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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.39
BOTJ's Cash to Debt is ranked higher than
76% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BOTJ: 1.39 )
BOTJ' s 10-Year Cash to Debt Range
Min: 0.37   Max: No Debt
Current: 1.39

Equity to Asset 0.07
BOTJ's Equity to Asset is ranked higher than
50% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BOTJ: 0.07 )
BOTJ' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.12
Current: 0.07

0.05
0.12
Interest Coverage 1.68
BOTJ's Interest Coverage is ranked higher than
74% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BOTJ: 1.68 )
BOTJ' s 10-Year Interest Coverage Range
Min: 0.12   Max: 9999.99
Current: 1.68

0.12
9999.99
F-Score: 4
Z-Score: 0.11
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 21.07
BOTJ's Operating margin (%) is ranked higher than
61% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. BOTJ: 21.07 )
BOTJ' s 10-Year Operating margin (%) Range
Min: -9.36   Max: 30.3
Current: 21.07

-9.36
30.3
Net-margin (%) 15.72
BOTJ's Net-margin (%) is ranked higher than
64% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.45 vs. BOTJ: 15.72 )
BOTJ' s 10-Year Net-margin (%) Range
Min: -4.49   Max: 19.91
Current: 15.72

-4.49
19.91
ROE (%) 10.28
BOTJ's ROE (%) is ranked higher than
83% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.96 vs. BOTJ: 10.28 )
BOTJ' s 10-Year ROE (%) Range
Min: -2.71   Max: 12.52
Current: 10.28

-2.71
12.52
ROA (%) 0.70
BOTJ's ROA (%) is ranked higher than
69% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. BOTJ: 0.70 )
BOTJ' s 10-Year ROA (%) Range
Min: -0.15   Max: 0.98
Current: 0.7

-0.15
0.98
ROC (Joel Greenblatt) (%) 48.79
BOTJ's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 1430 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. BOTJ: 48.79 )
BOTJ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -12.78   Max: 59.33
Current: 48.79

-12.78
59.33
Revenue Growth (%) 1.00
BOTJ's Revenue Growth (%) is ranked higher than
73% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BOTJ: 1.00 )
BOTJ' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 37.4
Current: 1

0
37.4
EBITDA Growth (%) 13.70
BOTJ's EBITDA Growth (%) is ranked higher than
79% of the 1123 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BOTJ: 13.70 )
BOTJ' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 109.9
Current: 13.7

0
109.9
EPS Growth (%) 18.30
BOTJ's EPS Growth (%) is ranked higher than
82% of the 1105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. BOTJ: 18.30 )
BOTJ' s 10-Year EPS Growth (%) Range
Min: -51.7   Max: 37
Current: 18.3

-51.7
37
» BOTJ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 9.90
BOTJ's P/E(ttm) is ranked higher than
84% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. BOTJ: 9.90 )
BOTJ' s 10-Year P/E(ttm) Range
Min: 8.48   Max: 312.92
Current: 9.9

8.48
312.92
P/B 1.00
BOTJ's P/B is ranked higher than
69% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BOTJ: 1.00 )
BOTJ' s 10-Year P/B Range
Min: 0.49   Max: 2.95
Current: 1

0.49
2.95
P/S 1.57
BOTJ's P/S is ranked higher than
82% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. BOTJ: 1.57 )
BOTJ' s 10-Year P/S Range
Min: 0.71   Max: 5.72
Current: 1.57

0.71
5.72
PFCF 7.70
BOTJ's PFCF is ranked higher than
59% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BOTJ: 7.70 )
BOTJ' s 10-Year PFCF Range
Min: 2   Max: 34.98
Current: 7.7

2
34.98
EV-to-EBIT 10.40
BOTJ's EV-to-EBIT is ranked higher than
82% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. BOTJ: 10.40 )
BOTJ' s 10-Year EV-to-EBIT Range
Min: 3.9   Max: 33
Current: 10.4

3.9
33
PEG 2.40
BOTJ's PEG is ranked lower than
51% of the 849 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. BOTJ: 2.40 )
BOTJ' s 10-Year PEG Range
Min: 0.27   Max: 4.41
Current: 2.4

0.27
4.41
Shiller P/E 24.70
BOTJ's Shiller P/E is ranked lower than
53% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.04 vs. BOTJ: 24.70 )
BOTJ' s 10-Year Shiller P/E Range
Min: 10.95   Max: 25.68
Current: 24.7

10.95
25.68

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
BOTJ's Price/Tangible Book is ranked higher than
78% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. BOTJ: 1.00 )
BOTJ' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 2.13
Current: 1

0.55
2.13
Price/DCF (Projected) 0.50
BOTJ's Price/DCF (Projected) is ranked higher than
78% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. BOTJ: 0.50 )
BOTJ' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 0.9
Current: 0.5

0.31
0.9
Price/Median PS Value 0.60
BOTJ's Price/Median PS Value is ranked higher than
91% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BOTJ: 0.60 )
BOTJ' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 1.29
Current: 0.6

0.29
1.29
Price/Graham Number 0.70
BOTJ's Price/Graham Number is ranked higher than
80% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BOTJ: 0.70 )
BOTJ' s 10-Year Price/Graham Number Range
Min: 0.51   Max: 2.02
Current: 0.7

0.51
2.02
Earnings Yield (Greenblatt) 9.60
BOTJ's Earnings Yield (Greenblatt) is ranked higher than
84% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BOTJ: 9.60 )
BOTJ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3   Max: 25.7
Current: 9.6

3
25.7
Forward Rate of Return (Yacktman) 6.80
BOTJ's Forward Rate of Return (Yacktman) is ranked higher than
59% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. BOTJ: 6.80 )
BOTJ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.4   Max: 69.2
Current: 6.8

4.4
69.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Bank of the James Financial Group, Inc., a Virginia corporation, was organized in 2003. It conducts its business activities through the branch offices of its wholly owned subsidiary bank, Bank of the James (the 'Bank'), the Bank's wholly-owned subsidiary, BOTJ Insurance, Inc. ('BOTJ-Ins.'), and through the Bank's two divisions, Bank of the James Mortgage division ('Mortgage division') and BOTJ Investment Services division ('Investment Services division'). The Mortgage division originates conforming and non-conforming home mortgages in the Region 2000 area, which includes the counties of Amherst, Appomattox, Bedford and Campbell (which includes the Town of Altavista) and the cities of Bedford and Lynchburg, Virginia. The Company exists for the purpose of holding the stock of its subsidiaries, the Bank and such other subsidiaries as it may acquire or establish. It also has one wholly-owned non-operating subsidiary. The Bank currently conducts business from nine full-service offices and one limited service office. Four of the full-service offices are located in Lynchburg, Virginia, one full-service location is located in Madison Heights, Virginia, one is located in the Town of Amherst, Virginia, one is located in Forest, Virginia, one is located in the City of Bedford, Virginia and one is located in the Town of Altavista, Virginia. The limited services branch is located in the Westminster-Canterbury facilities in Lynchburg. The Bank established a mortgage loan origination division that conducts business under the name 'Bank of the James Mortgage, a Division of Bank of the James.' The mortgage division conducts business from the division's main office located in the Forest branch of the Bank and an office located in Moneta, Virginia. It provides Deposit Services which is a main source of its funding. The Bank offers deposit services that are typically available in banks and other financial institutions including checking accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. The transaction accounts and time certificates are tailored to the Bank's market area at rates competitive to those offered in the area. In addition, the Bank offers its customers Individual Retirement Accounts (IRAs) and Health Care Savings Accounts (HSAs). All deposit accounts are insured by the Federal Deposit Insurance Corporation (the 'FDIC') up to the maximum amount allowed by law (generally, $250,000 per depositor, subject to aggregation rules). The Bank solicits such accounts from individuals, businesses, associations and organizations, and governmental authorities. Its lending services include short- to medium-term commercial and consumer loans. Its primary focus is on making loans to small businesses and consumers in the Region 2000 market area. In addition, it also provides real estate finance services. Other banking services offered by the Bank include safe
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