Switch to:

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 : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
BOTJ's Cash-to-Debt is ranked higher than
98% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. BOTJ: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
BOTJ' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.37  Med: 5000.8 Max: No Debt
Current: No Debt
Equity-to-Asset 0.09
BOTJ's Equity-to-Asset is ranked lower than
63% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BOTJ: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
BOTJ' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.12
Current: 0.09
0.05
0.12
Interest Coverage 2.05
BOTJ's Interest Coverage is ranked higher than
56% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. BOTJ: 2.05 )
Ranked among companies with meaningful Interest Coverage only.
BOTJ' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 1.29 Max: 2.05
Current: 2.05
0.12
2.05
Piotroski F-Score: 3
Beneish M-Score: -2.01
WACC vs ROIC
6.60%
9.52%
WACC
ROIC
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 % 20.04
BOTJ's Operating Margin % is ranked lower than
75% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. BOTJ: 20.04 )
Ranked among companies with meaningful Operating Margin % only.
BOTJ' s Operating Margin % Range Over the Past 10 Years
Min: -9.36  Med: 16.93 Max: 25.03
Current: 20.04
-9.36
25.03
Net Margin % 13.68
BOTJ's Net Margin % is ranked lower than
76% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. BOTJ: 13.68 )
Ranked among companies with meaningful Net Margin % only.
BOTJ' s Net Margin % Range Over the Past 10 Years
Min: -4.49  Med: 12.35 Max: 17.07
Current: 13.68
-4.49
17.07
ROE % 6.61
BOTJ's ROE % is ranked lower than
64% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. BOTJ: 6.61 )
Ranked among companies with meaningful ROE % only.
BOTJ' s ROE % Range Over the Past 10 Years
Min: -2.66  Med: 7.48 Max: 10.58
Current: 6.61
-2.66
10.58
ROA % 0.60
BOTJ's ROA % is ranked lower than
68% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BOTJ: 0.60 )
Ranked among companies with meaningful ROA % only.
BOTJ' s ROA % Range Over the Past 10 Years
Min: -0.17  Med: 0.55 Max: 0.83
Current: 0.6
-0.17
0.83
3-Year Revenue Growth Rate -1.80
BOTJ's 3-Year Revenue Growth Rate is ranked lower than
77% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. BOTJ: -1.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BOTJ' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.8  Med: 5.2 Max: 37.5
Current: -1.8
-1.8
37.5
3-Year EBITDA Growth Rate -8.60
BOTJ's 3-Year EBITDA Growth Rate is ranked lower than
83% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. BOTJ: -8.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BOTJ' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -68.7  Med: 13.7 Max: 117
Current: -8.6
-68.7
117
3-Year EPS without NRI Growth Rate -6.20
BOTJ's 3-Year EPS without NRI Growth Rate is ranked lower than
80% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. BOTJ: -6.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BOTJ' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -53  Med: 18.3 Max: 77.7
Current: -6.2
-53
77.7
GuruFocus has detected 6 Warning Signs with Bank of the James Financial Group Inc $BOTJ.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BOTJ's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-04-22)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with BOTJ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:FFHD, OTCPK:VABK, OTCPK:FABK, NAS:WBKC, OTCPK:STND, NAS:UBCP, OTCPK:FXNC, OTCPK:MNSB, NAS:CWAY, OTCPK:JFBC, NAS:WEBK, NAS:CZWI, NAS:SFBC, NAS:FBSS, NAS:ASRV, NAS:UBOH, NAS:MGYR, OTCPK:COFS, OTCPK:CMOH, OTCPK:CNAF » details
Bank of the James Financial Group Inc is a bank holding company that offers commercial banking services, including personal and business banking, loans, and investments.

Bank of the James Financial Group Inc was incorporated on 3 October 2003 to serve as a bank holding company. The Company offers commercial banking services, including personal and business banking, loans, and investments. The Company has two reportable business segments as a traditional full service community banking segment and mortgage loan origination business. The community banking business segment includes services providing loans, deposits, investments and insurance to retail and commercial customers throughout Region 2000. The mortgage segment provides mortgage loan products principally within Region 2000. Mortgage loans are originated and sold in the secondary market through purchase commitments from investors. The Company conducts business within Region 2000 from nine full-service offices and one limited service office 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 Company also offers deposit services that are typically available in most 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 Company offers a full range of short- to medium-term commercial and consumer loans. The Company make loans to small- and medium-sized businesses in Region 2000 for purposes such as purchases of equipment, facilities upgrades, inventory acquisition and various working capital purposes. The Company offers secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. The Company makes consumer loans primarily for personal, family or household purposes.

Ratios

vs
industry
vs
history
PE Ratio 21.33
BOTJ's PE Ratio is ranked lower than
76% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. BOTJ: 21.33 )
Ranked among companies with meaningful PE Ratio only.
BOTJ' s PE Ratio Range Over the Past 10 Years
Min: 8.42  Med: 13.82 Max: 407
Current: 21.33
8.42
407
PE Ratio without NRI 21.33
BOTJ's PE Ratio without NRI is ranked lower than
76% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. BOTJ: 21.33 )
Ranked among companies with meaningful PE Ratio without NRI only.
BOTJ' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.42  Med: 13.82 Max: 407
Current: 21.33
8.42
407
Price-to-Owner-Earnings 22.79
BOTJ's Price-to-Owner-Earnings is ranked lower than
77% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. BOTJ: 22.79 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BOTJ' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.46  Med: 14.54 Max: 82.35
Current: 22.79
3.46
82.35
PB Ratio 1.41
BOTJ's PB Ratio is ranked lower than
63% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. BOTJ: 1.41 )
Ranked among companies with meaningful PB Ratio only.
BOTJ' s PB Ratio Range Over the Past 10 Years
Min: 0.49  Med: 1.02 Max: 2.94
Current: 1.41
0.49
2.94
PS Ratio 2.92
BOTJ's PS Ratio is ranked higher than
59% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. BOTJ: 2.92 )
Ranked among companies with meaningful PS Ratio only.
BOTJ' s PS Ratio Range Over the Past 10 Years
Min: 0.72  Med: 1.77 Max: 4.39
Current: 2.92
0.72
4.39
Price-to-Free-Cash-Flow 28.83
BOTJ's Price-to-Free-Cash-Flow is ranked lower than
81% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. BOTJ: 28.83 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BOTJ' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2  Med: 10.41 Max: 85.58
Current: 28.83
2
85.58
Price-to-Operating-Cash-Flow 21.99
BOTJ's Price-to-Operating-Cash-Flow is ranked lower than
76% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. BOTJ: 21.99 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BOTJ' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.83  Med: 9.53 Max: 138.33
Current: 21.99
1.83
138.33
EV-to-EBIT 11.04
BOTJ's EV-to-EBIT is ranked higher than
56% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. BOTJ: 11.04 )
Ranked among companies with meaningful EV-to-EBIT only.
BOTJ' s EV-to-EBIT Range Over the Past 10 Years
Min: -149.2  Med: 8 Max: 62.6
Current: 11.04
-149.2
62.6
EV-to-EBITDA 9.85
BOTJ's EV-to-EBITDA is ranked higher than
57% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. BOTJ: 9.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
BOTJ' s EV-to-EBITDA Range Over the Past 10 Years
Min: -172.1  Med: 7.5 Max: 329.8
Current: 9.85
-172.1
329.8
PEG Ratio 0.92
BOTJ's PEG Ratio is ranked higher than
65% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. BOTJ: 0.92 )
Ranked among companies with meaningful PEG Ratio only.
BOTJ' s PEG Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.4 Max: 44.28
Current: 0.92
0.28
44.28
Shiller PE Ratio 27.42
BOTJ's Shiller PE Ratio is ranked lower than
67% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. BOTJ: 27.42 )
Ranked among companies with meaningful Shiller PE Ratio only.
BOTJ' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.23  Med: 17.87 Max: 27.76
Current: 27.42
10.23
27.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.50
BOTJ's Dividend Yield % is ranked lower than
77% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. BOTJ: 1.50 )
Ranked among companies with meaningful Dividend Yield % only.
BOTJ' s Dividend Yield % Range Over the Past 10 Years
Min: 0.53  Med: 1.79 Max: 2.03
Current: 1.5
0.53
2.03
Dividend Payout Ratio 0.27
BOTJ's Dividend Payout Ratio is ranked higher than
62% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. BOTJ: 0.27 )
Ranked among companies with meaningful Dividend Payout Ratio only.
BOTJ' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.21 Max: 0.32
Current: 0.27
0.15
0.32
Forward Dividend Yield % 1.50
BOTJ's Forward Dividend Yield % is ranked lower than
80% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. BOTJ: 1.50 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.50
BOTJ's 5-Year Yield-on-Cost % is ranked lower than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. BOTJ: 1.50 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BOTJ' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.53  Med: 1.79 Max: 2.03
Current: 1.5
0.53
2.03
3-Year Average Share Buyback Ratio -9.20
BOTJ's 3-Year Average Share Buyback Ratio is ranked lower than
74% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. BOTJ: -9.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BOTJ' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.3  Med: -0.9 Max: 0
Current: -9.2
-9.3
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.42
BOTJ's Price-to-Tangible-Book is ranked lower than
58% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. BOTJ: 1.42 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BOTJ' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.55  Med: 1.21 Max: 2.13
Current: 1.42
0.55
2.13
Price-to-Intrinsic-Value-Projected-FCF 0.91
BOTJ's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
57% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. BOTJ: 0.91 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BOTJ' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.29  Med: 0.54 Max: 1.22
Current: 0.91
0.29
1.22
Price-to-Median-PS-Value 1.65
BOTJ's Price-to-Median-PS-Value is ranked lower than
84% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. BOTJ: 1.65 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BOTJ' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.44  Med: 1.14 Max: 2.03
Current: 1.65
0.44
2.03
Price-to-Peter-Lynch-Fair-Value 0.85
BOTJ's Price-to-Peter-Lynch-Fair-Value is ranked higher than
68% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. BOTJ: 0.85 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
BOTJ' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.49  Med: 0.81 Max: 1.42
Current: 0.85
0.49
1.42
Price-to-Graham-Number 1.16
BOTJ's Price-to-Graham-Number is ranked lower than
64% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. BOTJ: 1.16 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BOTJ' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.51  Med: 1.02 Max: 2.1
Current: 1.16
0.51
2.1
Earnings Yield (Greenblatt) % 9.03
BOTJ's Earnings Yield (Greenblatt) % is ranked higher than
67% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. BOTJ: 9.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BOTJ' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.6  Med: 9.7 Max: 22.6
Current: 9.03
1.6
22.6
Forward Rate of Return (Yacktman) % 38.06
BOTJ's Forward Rate of Return (Yacktman) % is ranked higher than
90% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. BOTJ: 38.06 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BOTJ' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -13.6  Med: 14.1 Max: 49.2
Current: 38.06
-13.6
49.2

More Statistics

Revenue (TTM) (Mil) $24.02
EPS (TTM) $ 0.75
Beta0.31
Short Percentage of Float0.01%
52-Week Range $11.55 - 18.50
Shares Outstanding (Mil)4.38
» More Articles for BOTJ

Headlines

Articles On GuruFocus.com
7 Companies With Wide Margins of Safety and Rising Share Prices Feb 09 2017 

More From Other Websites
7 Companies With Wide Margins of Safety and Rising Share Prices Feb 09 2017
BANK OF THE JAMES FINANCIAL GROUP INC Files SEC form 8-K, Other Events, Financial Statements and... Feb 03 2017
Bank of the James Announces Completion of Private Placement of Debt Feb 03 2017
Bank of the James Financial Group, Inc. : BOTJ-US: Dividend Analysis : December 02nd, 2016 (record... Jan 27 2017
Bank of the James Financial Group, Inc. :BOTJ-US: Earnings Analysis: 2016 By the Numbers : January... Jan 27 2017
Bank of the James Financial Group, Inc. :BOTJ-US: Earnings Analysis: Q4, 2016 By the Numbers :... Jan 24 2017
BANK OF THE JAMES FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial... Jan 23 2017
Bank of the James Announces Fourth Quarter, Full Year 2016 Financial Results and Declaration of... Jan 23 2017
BANK OF THE JAMES FINANCIAL GROUP INC Financials Nov 19 2016
BANK OF THE JAMES FINANCIAL GROUP INC Files SEC form 10-Q, Quarterly Report Nov 14 2016
Press Release Appomattox Opening October 26, 2016 Oct 27 2016
Bank of the James Financial Group, Inc. :BOTJ-US: Earnings Analysis: Q3, 2016 By the Numbers :... Oct 24 2016
BANK OF THE JAMES FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial... Oct 21 2016
Bank of the James Announces Third Quarter, Nine Months of 2016 Financial Results and Declaration of... Oct 21 2016
BOTJ Board Appoints Phillip Jamerson and Douglas Dalton III Oct 19 2016
Bank of the James Financial Group, Inc. : BOTJ-US: Dividend Analysis : September 09th, 2016 (record... Oct 13 2016
Phillip Gould Joins Bank of the James Sep 16 2016
Angela Williams joins Bank of the James Sep 16 2016
BOTJ Press Release – Sept 6 2016 – Raymond James Sep 06 2016
BANK OF THE JAMES FINANCIAL GROUP INC Files SEC form 8-K, Regulation FD Disclosure, Other Events,... Sep 06 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)