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Bank of the James Financial Group (Bank of the James Financial Group) PS Ratio

: 1.07 (As of Today)
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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Bank of the James Financial Group's share price is $9.85. Bank of the James Financial Group's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $9.16. Hence, Bank of the James Financial Group's PS Ratio for today is 1.07.

Good Sign:

Bank of the James Financial Group Inc stock PS Ratio (=1.07) is close to 10-year low of 0.97

The historical rank and industry rank for Bank of the James Financial Group's PS Ratio or its related term are showing as below:

BOTJ' s PS Ratio Range Over the Past 10 Years
Min: 0.97   Med: 1.84   Max: 3.05
Current: 1.08

During the past 13 years, Bank of the James Financial Group's highest PS Ratio was 3.05. The lowest was 0.97. And the median was 1.84.

BOTJ's PS Ratio is ranked better than
85.98% of 1455 companies
in the Banks industry
Industry Median: 2.36 vs BOTJ: 1.08

Bank of the James Financial Group's Revenue per Sharefor the three months ended in Dec. 2023 was $2.29. Its Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $9.16.

Warning Sign:

Bank of the James Financial Group Inc revenue growth has slowed down over the past 12 months.

During the past 12 months, the average Revenue per Share Growth Rate of Bank of the James Financial Group was 2.40% per year. During the past 3 years, the average Revenue per Share Growth Rate was 7.70% per year. During the past 5 years, the average Revenue per Share Growth Rate was 10.00% per year. During the past 10 years, the average Revenue per Share Growth Rate was 6.50% per year.

During the past 13 years, Bank of the James Financial Group's highest 3-Year average Revenue per Share Growth Rate was 86.70% per year. The lowest was -2.10% per year. And the median was 8.85% per year.

Back to Basics: PS Ratio


Bank of the James Financial Group PS Ratio Historical Data

The historical data trend for Bank of the James Financial Group's PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Bank of the James Financial Group Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PS Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.15 1.50 1.97 1.33 1.33

Bank of the James Financial Group Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PS Ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.33 1.15 0.97 1.14 1.33

Competitive Comparison

For the Banks - Regional subindustry, Bank of the James Financial Group's PS Ratio, along with its competitors' market caps and PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bank of the James Financial Group PS Ratio Distribution

For the Banks industry and Financial Services sector, Bank of the James Financial Group's PS Ratio distribution charts can be found below:

* The bar in red indicates where Bank of the James Financial Group's PS Ratio falls into.



Bank of the James Financial Group PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

Bank of the James Financial Group's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=9.85/9.163
=1.07

Bank of the James Financial Group's Share Price of today is $9.85.
Bank of the James Financial Group's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $9.16.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.


Bank of the James Financial Group  (NAS:BOTJ) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


Bank of the James Financial Group PS Ratio Related Terms

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Bank of the James Financial Group (Bank of the James Financial Group) Business Description

Traded in Other Exchanges
N/A
Address
828 Main Street, Lynchburg, VA, USA, 24504
Bank of the James Financial Group Inc is a bank holding company that provides retail and commercial banking, deposit services, lending services, mortgage brokerage services and other banking services. The company provides a range of deposit services including checking accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. It offers various types of 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. It operates three business segments, community banking; mortgage banking, and investment advisory services.
Executives
Phillip C Jamerson director 828 MAIN ST, LYNCHBURG VA 24504
Bryant William C Iii director 828 MAIN ST, LYNCHBURG VA 24504
Alford John R Jr director 828 MAIN ST, LYNCHBURG VA 24504
Foster Watt R Jr director 828 MAIN ST, LYNCHBURG VA 24504
Lewis C Addison director 828 MAIN ST, LYNCHBURG VA 24504
J Todd Scruggs officer: Secretary-Treasurer PO BOX 1200, LYNCHBURG VA 24505
Umberger Harry P Jr officer: EVP - Chief Credit Officer 828 MAIN ST, LYNCHBURG VA 24504
Robert R Chapman director, officer: President PO BOX 1200, LYNCHBURG VA 24505
Dalton Aubrey Douglas Iii director 828 MAIN ST, LYNCHBURG VA 24504
Petticolas Augustus A Jr director 828 MAIN ST, LYNCHBURG VA 24504
Julie P Doyle director 828 MAIN ST, LYNCHBURG VA 24504
Pettyjohn Thomas W Jr director PO BOX 1200, LYNCHBURG VA 24505
Michael A Syrek officer: EVP - Senior Lending Officer 828 MAIN ST, LYNCHBURG VA 24504
Sorenson Eric John Jr officer: EVP 828 MAIN STREET, LYNCHBURG VA 24504
Lydia K Langley director 828 MAIN ST, LYNCHBURG VA 24504

Bank of the James Financial Group (Bank of the James Financial Group) Headlines