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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 1.47
BOTJ's Cash to Debt is ranked higher than
50% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BOTJ: 1.47 )
Ranked among companies with meaningful Cash to Debt only.
BOTJ' s 10-Year Cash to Debt Range
Min: 0.37  Med: 1.65 Max: No Debt
Current: 1.47
Equity to Asset 0.07
BOTJ's Equity to Asset is ranked lower than
77% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BOTJ: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
BOTJ' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.07 Max: 0.1
Current: 0.07
0.05
0.1
Interest Coverage 2.02
BOTJ's Interest Coverage is ranked higher than
56% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BOTJ: 2.02 )
Ranked among companies with meaningful Interest Coverage only.
BOTJ' s 10-Year Interest Coverage Range
Min: 0.12  Med: 0.81 Max: 9999.99
Current: 2.02
0.12
9999.99
F-Score: 6
WACC vs ROIC
10.53%
11.84%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 24.71
BOTJ's Operating margin (%) is ranked lower than
61% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. BOTJ: 24.71 )
Ranked among companies with meaningful Operating margin (%) only.
BOTJ' s 10-Year Operating margin (%) Range
Min: -9.36  Med: 21.07 Max: 30.3
Current: 24.71
-9.36
30.3
Net-margin (%) 17.76
BOTJ's Net-margin (%) is ranked lower than
62% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. BOTJ: 17.76 )
Ranked among companies with meaningful Net-margin (%) only.
BOTJ' s 10-Year Net-margin (%) Range
Min: -4.49  Med: 15.72 Max: 19.91
Current: 17.76
-4.49
19.91
ROE (%) 10.82
BOTJ's ROE (%) is ranked higher than
69% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. BOTJ: 10.82 )
Ranked among companies with meaningful ROE (%) only.
BOTJ' s 10-Year ROE (%) Range
Min: -2.66  Med: 8.97 Max: 13.31
Current: 10.82
-2.66
13.31
ROA (%) 0.79
BOTJ's ROA (%) is ranked lower than
51% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BOTJ: 0.79 )
Ranked among companies with meaningful ROA (%) only.
BOTJ' s 10-Year ROA (%) Range
Min: -0.17  Med: 0.76 Max: 1.09
Current: 0.79
-0.17
1.09
ROC (Joel Greenblatt) (%) 58.49
BOTJ's ROC (Joel Greenblatt) (%) is ranked lower than
58% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. BOTJ: 58.49 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BOTJ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -14.75  Med: 50.31 Max: 111.12
Current: 58.49
-14.75
111.12
Revenue Growth (3Y)(%) 1.30
BOTJ's Revenue Growth (3Y)(%) is ranked lower than
53% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BOTJ: 1.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BOTJ' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.30 Max: 37.4
Current: 1.3
0
37.4
EBITDA Growth (3Y)(%) 63.60
BOTJ's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. BOTJ: 63.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BOTJ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 7.60 Max: 109.9
Current: 63.6
0
109.9
EPS Growth (3Y)(%) 77.70
BOTJ's EPS Growth (3Y)(%) is ranked higher than
96% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. BOTJ: 77.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BOTJ' s 10-Year EPS Growth (3Y)(%) Range
Min: -51.7  Med: 18.30 Max: 77.7
Current: 77.7
-51.7
77.7
» BOTJ's 10-Y Financials

Financials


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

» Details

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Latest Guru Trades with BOTJ

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Ratios

vs
industry
vs
history
P/E(ttm) 10.60
BOTJ's P/E(ttm) is ranked higher than
71% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BOTJ: 10.60 )
Ranked among companies with meaningful P/E(ttm) only.
BOTJ' s 10-Year P/E(ttm) Range
Min: 8.48  Med: 17.33 Max: 312.92
Current: 10.6
8.48
312.92
PE(NRI) 10.90
BOTJ's PE(NRI) is ranked higher than
71% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BOTJ: 10.90 )
Ranked among companies with meaningful PE(NRI) only.
BOTJ' s 10-Year PE(NRI) Range
Min: 8.51  Med: 17.41 Max: 271.2
Current: 10.9
8.51
271.2
P/B 1.06
BOTJ's P/B is ranked higher than
52% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BOTJ: 1.06 )
Ranked among companies with meaningful P/B only.
BOTJ' s 10-Year P/B Range
Min: 0.49  Med: 1.03 Max: 2.95
Current: 1.06
0.49
2.95
P/S 1.86
BOTJ's P/S is ranked higher than
75% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. BOTJ: 1.86 )
Ranked among companies with meaningful P/S only.
BOTJ' s 10-Year P/S Range
Min: 0.71  Med: 1.82 Max: 5.72
Current: 1.86
0.71
5.72
PFCF 9.52
BOTJ's PFCF is ranked higher than
57% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. BOTJ: 9.52 )
Ranked among companies with meaningful PFCF only.
BOTJ' s 10-Year PFCF Range
Min: 2  Med: 9.52 Max: 113.89
Current: 9.52
2
113.89
POCF 7.27
BOTJ's POCF is ranked higher than
62% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. BOTJ: 7.27 )
Ranked among companies with meaningful POCF only.
BOTJ' s 10-Year POCF Range
Min: 1.83  Med: 9.62 Max: 165.95
Current: 7.27
1.83
165.95
EV-to-EBIT 6.64
BOTJ's EV-to-EBIT is ranked higher than
85% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BOTJ: 6.64 )
Ranked among companies with meaningful EV-to-EBIT only.
BOTJ' s 10-Year EV-to-EBIT Range
Min: -149.1  Med: 10.30 Max: 33
Current: 6.64
-149.1
33
Shiller P/E 20.11
BOTJ's Shiller P/E is ranked lower than
63% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. BOTJ: 20.11 )
Ranked among companies with meaningful Shiller P/E only.
BOTJ' s 10-Year Shiller P/E Range
Min: 10.95  Med: 18.10 Max: 25.68
Current: 20.11
10.95
25.68
Days Sales Outstanding 29.82
BOTJ's Days Sales Outstanding is ranked higher than
59% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. BOTJ: 29.82 )
Ranked among companies with meaningful Days Sales Outstanding only.
BOTJ' s 10-Year Days Sales Outstanding Range
Min: 28.64  Med: 41.00 Max: 55.67
Current: 29.82
28.64
55.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.77
BOTJ's Dividend Yield is ranked lower than
70% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. BOTJ: 1.77 )
Ranked among companies with meaningful Dividend Yield only.
BOTJ' s 10-Year Dividend Yield Range
Min: 0.53  Med: 1.36 Max: 1.9
Current: 1.77
0.53
1.9
Dividend Payout 0.19
BOTJ's Dividend Payout is ranked higher than
77% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. BOTJ: 0.19 )
Ranked among companies with meaningful Dividend Payout only.
BOTJ' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.19 Max: 0.2
Current: 0.19
0.18
0.2
Yield on cost (5-Year) 1.77
BOTJ's Yield on cost (5-Year) is ranked lower than
72% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. BOTJ: 1.77 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BOTJ' s 10-Year Yield on cost (5-Year) Range
Min: 0.53  Med: 1.36 Max: 1.9
Current: 1.77
0.53
1.9
Share Buyback Rate -0.40
BOTJ's Share Buyback Rate is ranked higher than
64% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. BOTJ: -0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
BOTJ' s 10-Year Share Buyback Rate Range
Min: 0.7  Med: -0.90 Max: -7.4
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
BOTJ's Price/Tangible Book is ranked higher than
57% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. BOTJ: 1.07 )
Ranked among companies with meaningful Price/Tangible Book only.
BOTJ' s 10-Year Price/Tangible Book Range
Min: 0.55  Med: 1.05 Max: 2.75
Current: 1.07
0.55
2.75
Price/Projected FCF 0.53
BOTJ's Price/Projected FCF is ranked higher than
65% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. BOTJ: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
BOTJ' s 10-Year Price/Projected FCF Range
Min: 0.31  Med: 0.52 Max: 1.41
Current: 0.53
0.31
1.41
Price/Median PS Value 1.02
BOTJ's Price/Median PS Value is ranked higher than
61% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BOTJ: 1.02 )
Ranked among companies with meaningful Price/Median PS Value only.
BOTJ' s 10-Year Price/Median PS Value Range
Min: 0.42  Med: 1.11 Max: 4.77
Current: 1.02
0.42
4.77
Price/Peter Lynch Fair Value 0.42
BOTJ's Price/Peter Lynch Fair Value is ranked higher than
89% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. BOTJ: 0.42 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BOTJ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.42  Med: 2.04 Max: 42.37
Current: 0.42
0.42
42.37
Price/Graham Number 0.71
BOTJ's Price/Graham Number is ranked higher than
67% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BOTJ: 0.71 )
Ranked among companies with meaningful Price/Graham Number only.
BOTJ' s 10-Year Price/Graham Number Range
Min: 0.51  Med: 0.98 Max: 3.27
Current: 0.71
0.51
3.27
Earnings Yield (Greenblatt) (%) 15.60
BOTJ's Earnings Yield (Greenblatt) (%) is ranked higher than
86% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BOTJ: 15.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BOTJ' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3  Med: 8.90 Max: 22.6
Current: 15.6
3
22.6
Forward Rate of Return (Yacktman) (%) 47.87
BOTJ's Forward Rate of Return (Yacktman) (%) is ranked higher than
90% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BOTJ: 47.87 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BOTJ' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -15.7  Med: 11.40 Max: 49.2
Current: 47.87
-15.7
49.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for BOTJ

Headlines

Articles On GuruFocus.com
Bank of the James Financial Group, Inc. Listed as One of the Top 200 Community Banks in the Nation May 18 2015 
Bank of the James Plans Expansion to Harrisonburg Jan 15 2015 

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