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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 No Debt
BOTJ's Cash to Debt is ranked higher than
98% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 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: 1.62 Max: No Debt
Current: No Debt
Equity to Asset 0.09
BOTJ's Equity to Asset is ranked lower than
63% of the 1602 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: 0.07 Max: 0.1
Current: 0.09
0.05
0.1
Interest Coverage 2.18
BOTJ's Interest Coverage is ranked higher than
57% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. BOTJ: 2.18 )
Ranked among companies with meaningful Interest Coverage only.
BOTJ' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.69 Max: 2.02
Current: 2.18
0.12
2.02
F-Score: 3
M-Score: -2.01
WACC vs ROIC
6.49%
11.20%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 23.60
BOTJ's Operating margin (%) is ranked lower than
68% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. BOTJ: 23.60 )
Ranked among companies with meaningful Operating margin (%) only.
BOTJ' s Operating margin (%) Range Over the Past 10 Years
Min: -9.36  Med: 17.45 Max: 25.03
Current: 23.6
-9.36
25.03
Net-margin (%) 16.28
BOTJ's Net-margin (%) is ranked lower than
71% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. BOTJ: 16.28 )
Ranked among companies with meaningful Net-margin (%) only.
BOTJ' s Net-margin (%) Range Over the Past 10 Years
Min: -4.49  Med: 13.32 Max: 17.07
Current: 16.28
-4.49
17.07
ROE (%) 8.47
BOTJ's ROE (%) is ranked higher than
54% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. BOTJ: 8.47 )
Ranked among companies with meaningful ROE (%) only.
BOTJ' s ROE (%) Range Over the Past 10 Years
Min: -2.66  Med: 8.23 Max: 10.58
Current: 8.47
-2.66
10.58
ROA (%) 0.72
BOTJ's ROA (%) is ranked lower than
61% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. BOTJ: 0.72 )
Ranked among companies with meaningful ROA (%) only.
BOTJ' s ROA (%) Range Over the Past 10 Years
Min: -0.17  Med: 0.60 Max: 0.83
Current: 0.72
-0.17
0.83
Revenue Growth (3Y)(%) 3.00
BOTJ's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. BOTJ: 3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BOTJ' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.8  Med: 7.45 Max: 37.5
Current: 3
-0.8
37.5
EBITDA Growth (3Y)(%) 20.80
BOTJ's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. BOTJ: 20.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BOTJ' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.3  Med: 11.95 Max: 64
Current: 20.8
-38.3
64
EPS Growth (3Y)(%) 18.70
BOTJ's EPS Growth (3Y)(%) is ranked higher than
76% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BOTJ: 18.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BOTJ' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -53  Med: 18.50 Max: 77.7
Current: 18.7
-53
77.7
» BOTJ's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-20)


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:JFBC, NAS:BYBK, NAS:MGYR, NAS:FBSS, OTCPK:FABK, NAS:SBFG, OTCPK:VABK, NAS:WBKC, OTCPK:FDVA, NAS:UBCP, NAS:USBI, NAS:ASRV, NAS:PFBX, OTCPK:CNAF, NAS:CZWI, NAS:CWAY, NAS:PNBK, NAS:EMCF, ARCA:SFBC, OTCBB:DCBF » 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
P/E(ttm) 13.54
BOTJ's P/E(ttm) is ranked lower than
52% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. BOTJ: 13.54 )
Ranked among companies with meaningful P/E(ttm) only.
BOTJ' s P/E(ttm) Range Over the Past 10 Years
Min: 8.42  Med: 15.58 Max: 407
Current: 13.54
8.42
407
PE(NRI) 13.54
BOTJ's PE(NRI) is ranked lower than
51% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. BOTJ: 13.54 )
Ranked among companies with meaningful PE(NRI) only.
BOTJ' s PE(NRI) Range Over the Past 10 Years
Min: 8.42  Med: 15.65 Max: 407
Current: 13.54
8.42
407
Price/Owner Earnings (ttm) 17.13
BOTJ's Price/Owner Earnings (ttm) is ranked lower than
70% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. BOTJ: 17.13 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BOTJ' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.37  Med: 14.54 Max: 208.33
Current: 17.13
3.37
208.33
P/B 1.11
BOTJ's P/B is ranked lower than
58% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. BOTJ: 1.11 )
Ranked among companies with meaningful P/B only.
BOTJ' s P/B Range Over the Past 10 Years
Min: 0.49  Med: 1.01 Max: 2.87
Current: 1.11
0.49
2.87
P/S 2.08
BOTJ's P/S is ranked higher than
68% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. BOTJ: 2.08 )
Ranked among companies with meaningful P/S only.
BOTJ' s P/S Range Over the Past 10 Years
Min: 0.72  Med: 1.76 Max: 4.32
Current: 2.08
0.72
4.32
PFCF 39.81
BOTJ's PFCF is ranked lower than
93% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. BOTJ: 39.81 )
Ranked among companies with meaningful PFCF only.
BOTJ' s PFCF Range Over the Past 10 Years
Min: 2  Med: 9.69 Max: 85.58
Current: 39.81
2
85.58
POCF 16.92
BOTJ's POCF is ranked lower than
83% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. BOTJ: 16.92 )
Ranked among companies with meaningful POCF only.
BOTJ' s POCF Range Over the Past 10 Years
Min: 1.83  Med: 8.28 Max: 138.33
Current: 16.92
1.83
138.33
EV-to-EBIT 7.60
BOTJ's EV-to-EBIT is ranked higher than
77% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. BOTJ: 7.60 )
Ranked among companies with meaningful EV-to-EBIT only.
BOTJ' s EV-to-EBIT Range Over the Past 10 Years
Min: -149.2  Med: 9.40 Max: 49.4
Current: 7.6
-149.2
49.4
EV-to-EBITDA 6.63
BOTJ's EV-to-EBITDA is ranked higher than
78% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. BOTJ: 6.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
BOTJ' s EV-to-EBITDA Range Over the Past 10 Years
Min: -172.1  Med: 7.80 Max: 329.8
Current: 6.63
-172.1
329.8
PEG 0.53
BOTJ's PEG is ranked higher than
77% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. BOTJ: 0.53 )
Ranked among companies with meaningful PEG only.
BOTJ' s PEG Range Over the Past 10 Years
Min: 0.28  Med: 0.40 Max: 38.29
Current: 0.53
0.28
38.29
Shiller P/E 22.03
BOTJ's Shiller P/E is ranked lower than
68% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. BOTJ: 22.03 )
Ranked among companies with meaningful Shiller P/E only.
BOTJ' s Shiller P/E Range Over the Past 10 Years
Min: 10  Med: 17.63 Max: 26.32
Current: 22.03
10
26.32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.87
BOTJ's Dividend Yield is ranked lower than
73% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. BOTJ: 1.87 )
Ranked among companies with meaningful Dividend Yield only.
BOTJ' s Dividend Yield Range Over the Past 10 Years
Min: 0.53  Med: 1.78 Max: 1.99
Current: 1.87
0.53
1.99
Dividend Payout 0.23
BOTJ's Dividend Payout is ranked higher than
70% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. BOTJ: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
BOTJ' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.19 Max: 0.3
Current: 0.23
0.18
0.3
Forward Dividend Yield 1.87
BOTJ's Forward Dividend Yield is ranked lower than
78% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. BOTJ: 1.87 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.87
BOTJ's Yield on cost (5-Year) is ranked lower than
76% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. BOTJ: 1.87 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BOTJ' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.53  Med: 1.78 Max: 1.99
Current: 1.87
0.53
1.99
3-Year Average Share Buyback Ratio -9.30
BOTJ's 3-Year Average Share Buyback Ratio is ranked lower than
74% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. BOTJ: -9.30 )
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: -0.85 Max: 0
Current: -9.3
-9.3
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
BOTJ's Price/Tangible Book is ranked lower than
52% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BOTJ: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
BOTJ' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.55  Med: 1.05 Max: 2.74
Current: 1.12
0.55
2.74
Price/Projected FCF 0.69
BOTJ's Price/Projected FCF is ranked lower than
55% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. BOTJ: 0.69 )
Ranked among companies with meaningful Price/Projected FCF only.
BOTJ' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.53 Max: 1.43
Current: 0.69
0.28
1.43
Price/Median PS Value 1.18
BOTJ's Price/Median PS Value is ranked lower than
73% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. BOTJ: 1.18 )
Ranked among companies with meaningful Price/Median PS Value only.
BOTJ' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 1.07 Max: 5.05
Current: 1.18
0.44
5.05
Price/Peter Lynch Fair Value 0.52
BOTJ's Price/Peter Lynch Fair Value is ranked higher than
79% of the 434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BOTJ: 0.52 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BOTJ' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.4  Med: 1.24 Max: 42.37
Current: 0.52
0.4
42.37
Price/Graham Number 0.82
BOTJ's Price/Graham Number is ranked higher than
53% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. BOTJ: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
BOTJ' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 0.91 Max: 4.33
Current: 0.82
0.5
4.33
Earnings Yield (Greenblatt) (%) 13.12
BOTJ's Earnings Yield (Greenblatt) (%) is ranked higher than
79% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BOTJ: 13.12 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BOTJ' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2  Med: 9.60 Max: 22.6
Current: 13.12
2
22.6
Forward Rate of Return (Yacktman) (%) 42.84
BOTJ's Forward Rate of Return (Yacktman) (%) is ranked higher than
88% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. BOTJ: 42.84 )
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: -11.5  Med: 13.90 Max: 49.2
Current: 42.84
-11.5
49.2

More Statistics

Revenue (TTM) (Mil) $23.01
EPS (TTM) $ 0.95
Beta0.45
Short Percentage of Float0.01%
52-Week Range $10.80 - 15.00
Shares Outstanding (Mil)4.38
» More Articles for BOTJ

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