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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 1.24
BOTJ's Cash to Debt is ranked higher than
75% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BOTJ: 1.24 )
BOTJ' s 10-Year Cash to Debt Range
Min: 0.37   Max: No Debt
Current: 1.24

Equity to Asset 0.07
BOTJ's Equity to Asset is ranked higher than
56% of the 1967 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BOTJ: 0.07 )
BOTJ' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.1
Current: 0.07

0.05
0.1
Interest Coverage 1.68
BOTJ's Interest Coverage is ranked higher than
73% of the 1806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 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: 0.15
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 (%) 21.55
BOTJ's Operating margin (%) is ranked higher than
63% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.56 vs. BOTJ: 21.55 )
BOTJ' s 10-Year Operating margin (%) Range
Min: -9.36   Max: 30.3
Current: 21.55

-9.36
30.3
Net-margin (%) 15.85
BOTJ's Net-margin (%) is ranked higher than
64% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.62 vs. BOTJ: 15.85 )
BOTJ' s 10-Year Net-margin (%) Range
Min: -4.49   Max: 19.91
Current: 15.85

-4.49
19.91
ROE (%) 9.99
BOTJ's ROE (%) is ranked higher than
81% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. BOTJ: 9.99 )
BOTJ' s 10-Year ROE (%) Range
Min: -2.66   Max: 13.31
Current: 9.99

-2.66
13.31
ROA (%) 0.71
BOTJ's ROA (%) is ranked higher than
70% of the 1992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BOTJ: 0.71 )
BOTJ' s 10-Year ROA (%) Range
Min: -0.17   Max: 1.09
Current: 0.71

-0.17
1.09
ROC (Joel Greenblatt) (%) 50.96
BOTJ's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 1960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.50 vs. BOTJ: 50.96 )
BOTJ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -14.75   Max: 111.12
Current: 50.96

-14.75
111.12
Revenue Growth (3Y)(%) 1.00
BOTJ's Revenue Growth (3Y)(%) is ranked higher than
75% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. BOTJ: 1.00 )
BOTJ' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 37.4
Current: 1

0
37.4
EBITDA Growth (3Y)(%) 13.70
BOTJ's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. BOTJ: 13.70 )
BOTJ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 109.9
Current: 13.7

0
109.9
EPS Growth (3Y)(%) 18.30
BOTJ's EPS Growth (3Y)(%) is ranked higher than
84% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. BOTJ: 18.30 )
BOTJ' s 10-Year EPS Growth (3Y)(%) 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

Insider Trades

Latest Guru Trades with BOTJ

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Ratios

vs
industry
vs
history
P/E(ttm) 11.10
BOTJ's P/E(ttm) is ranked higher than
89% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.50 vs. BOTJ: 11.10 )
BOTJ' s 10-Year P/E(ttm) Range
Min: 8.48   Max: 312.92
Current: 11.1

8.48
312.92
P/B 1.03
BOTJ's P/B is ranked higher than
82% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. BOTJ: 1.03 )
BOTJ' s 10-Year P/B Range
Min: 0.49   Max: 2.95
Current: 1.03

0.49
2.95
P/S 1.75
BOTJ's P/S is ranked higher than
91% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.69 vs. BOTJ: 1.75 )
BOTJ' s 10-Year P/S Range
Min: 0.71   Max: 5.72
Current: 1.75

0.71
5.72
PFCF 9.40
BOTJ's PFCF is ranked higher than
88% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BOTJ: 9.40 )
BOTJ' s 10-Year PFCF Range
Min: 2   Max: 113.89
Current: 9.4

2
113.89
EV-to-EBIT 7.45
BOTJ's EV-to-EBIT is ranked higher than
93% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.04 vs. BOTJ: 7.45 )
BOTJ' s 10-Year EV-to-EBIT Range
Min: -149.1   Max: 33
Current: 7.45

-149.1
33
Shiller P/E 20.18
BOTJ's Shiller P/E is ranked higher than
85% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BOTJ: 20.18 )
BOTJ' s 10-Year Shiller P/E Range
Min: 10.95   Max: 25.68
Current: 20.18

10.95
25.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.46
BOTJ's Dividend Yield is ranked lower than
68% of the 1885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.29 vs. BOTJ: 1.46 )
BOTJ' s 10-Year Dividend Yield Range
Min: 0.53   Max: 1.12
Current: 1.46

0.53
1.12
Dividend Payout 0.11
BOTJ's Dividend Payout is ranked higher than
95% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. BOTJ: 0.11 )
BOTJ' s 10-Year Dividend Payout Range
Min: 0.19   Max: 0.2
Current: 0.11

0.19
0.2
Yield on cost (5-Year) 1.50
BOTJ's Yield on cost (5-Year) is ranked lower than
68% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.54 vs. BOTJ: 1.50 )
BOTJ' s 10-Year Yield on cost (5-Year) Range
Min: 0.53   Max: 1.12
Current: 1.5

0.53
1.12
Share Buyback Rate -0.30
BOTJ's Share Buyback Rate is ranked higher than
83% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. BOTJ: -0.30 )
BOTJ' s 10-Year Share Buyback Rate Range
Min: 0.7   Max: -7.4
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
BOTJ's Price/Tangible Book is ranked higher than
85% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. BOTJ: 1.04 )
BOTJ' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 2.75
Current: 1.04

0.55
2.75
Price/DCF (Projected) 0.52
BOTJ's Price/DCF (Projected) is ranked higher than
91% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.06 vs. BOTJ: 0.52 )
BOTJ' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 1.41
Current: 0.52

0.31
1.41
Price/Median PS Value 0.85
BOTJ's Price/Median PS Value is ranked higher than
94% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. BOTJ: 0.85 )
BOTJ' s 10-Year Price/Median PS Value Range
Min: 0.38   Max: 4.34
Current: 0.85

0.38
4.34
Price/Graham Number 0.72
BOTJ's Price/Graham Number is ranked higher than
89% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. BOTJ: 0.72 )
BOTJ' s 10-Year Price/Graham Number Range
Min: 0.51   Max: 3.27
Current: 0.72

0.51
3.27
Earnings Yield (Greenblatt) 13.40
BOTJ's Earnings Yield (Greenblatt) is ranked higher than
92% of the 1959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. BOTJ: 13.40 )
BOTJ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3   Max: 22.6
Current: 13.4

3
22.6
Forward Rate of Return (Yacktman) -16.43
BOTJ's Forward Rate of Return (Yacktman) is ranked higher than
51% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. BOTJ: -16.43 )
BOTJ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -15.7   Max: 19.4
Current: -16.43

-15.7
19.4

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.
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