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BANK OF THE JAMES FINANCIAL GROUP INC

Data quality: 83%
BOTJ
Nasdaq Financial Services Depository Institutions
$22.75
▲ $0.45 (2.02%)
Mkt Cap: 103.36 M
Price
$22.75
Mkt Cap
103.36 M
Day Range
$22.46 — $22.75
52-Week Range
$13.00 — $23.00
Volume
4,245
Open $22.46
50D / 200D Avg
$20.25
12.33% above
50D / 200D Avg
$17.02
33.63% above

Quick Summary

Key Takeaways

ROE of 12.14% — decent returns on equity
Generating 10.50 M in free cash flow
P/E of 11.46 — trading at a low valuation
Cash machine — converts 116.33% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)13.57%
FCF Growth (3Y)15.13%

Quality

Return on Equity
12.14%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
11.46
Above sector avg (11.15)
P/B Ratio1.34
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2150 peers)
Metric Stock Sector Median
P/E 11.5 11.2
P/B 1.3 1.2
ROE % 12.1 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

ETFs Holding This Stock

BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.02% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 13.57% Earnings Growth (3Y) 1.81%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 4.42%
Profitability
Revenue (TTM) N/A Net Income (TTM) 9.02 M
ROE 12.14% ROA 0.89%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 10.50 M
ROIC N/A FCF Growth (3Y) 15.13%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 68.61 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 11.46 Forward P/E N/A
P/B Ratio 1.34 P/S Ratio N/A
PEG Ratio 2.59 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 10.15%
Market Cap 103.36 M Enterprise Value 103.36 M
Per Share
EPS (Diluted TTM) 1.99 Revenue / Share N/A
FCF / Share 2.31 OCF / Share 2.57
EPS CAGR (1Y) 13.71% EPS CAGR (5Y) 5.60%
EPS CAGR (10Y) 11.45%
Efficiency
CapEx / Revenue N/A FCF Conversion 116.33%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 9.02 M 7.94 M 8.70 M 8.96 M 7.59 M
EPS (Diluted) 1.99 1.75 1.91 1.91 1.60
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 1.33 M 1.38 M 1.41 M 2.05 M 2.06 M
Interest Expense 32.81 M 29.24 M 9.62 M 2.15 M 2.10 M
Income Tax 2.12 M 1.98 M 1.58 M 2.15 M 1.86 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.04 B 979.24 M 969.37 M 928.57 M 987.63 M
Total Liabilities 958.98 M 914.38 M 909.33 M 878.35 M 918.21 M
Shareholders' Equity 80.05 M 64.87 M 60.04 M 50.23 M 69.43 M
Total Debt — — — — —
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —