BANK OF THE JAMES FINANCIAL GROUP INC
Datakwaliteit: 83%
BOTJ
Nasdaq
Financial Services
Depository Institutions
€ 22,75
▲
€ 0,45
(2,02%)
Marktkapitalisatie: 103,36 M
Prijs
€ 22,75
Marktkapitalisatie
103,36 M
Dagbereik
€ 22,46 — € 22,75
52-Weeksbereik
€ 13,00 — € 23,00
Volume
4.245
Openen € 22,46
50D / 200D Gem.
€ 20,25
12,33% above
50D / 200D Gem.
€ 17,02
33,63% above
Quick Summary
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)13,57%
FCF Growth (3Y)15,13%
Kwaliteit
Return on Equity
12,14%
Boven sectorgemiddelde (9,24%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Veiligheid
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Waardering
PE (TTM)
11,46
Boven sectorgemiddelde (11,15)
P/B Ratio1,34
EV/EBITDAN/A
Dividend YieldN/A
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (2153 peers)
Sectorvergelijking
vs Financial Services sector mediaan (2153 peers)| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 11,5 | 11,1 |
| P/B | 1,3 | 1,2 |
| ROE % | 12,1 | 9,2 |
| Net Margin % | — | 9,4 |
| Rev Growth 5Y % | — | 5,8 |
| D/E | — | 0,5 |
All Fundamental Metrics
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
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
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 | — | — | — | — | — |
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