Business Description
Bank of the James Financial Group Inc
NAICS : 522110
SIC : 6022
ISIN : US4702991088
Description
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.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.16 | |||||
| Equity-to-Asset | 0.07 | |||||
| Debt-to-Equity | 0.28 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 7/9 | |||||
| Beneish M-Score | -2.42 | |||||
| WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 7.7 | |||||
| 3-Year EPS without NRI Growth Rate | 22.5 | |||||
| 3-Year FCF Growth Rate | 34 | |||||
| 3-Year Book Growth Rate | -1.9 |
Momentum Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 29.47 | |||||
| 9-Day RSI | 42.96 | |||||
| 14-Day RSI | 49.92 | |||||
| 3-1 Month Momentum % | 4.95 | |||||
| 6-1 Month Momentum % | 31.65 | |||||
| 12-1 Month Momentum % | 29.97 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.67 | |||||
| Dividend Payout Ratio | 0.21 | |||||
| 3-Year Dividend Growth Rate | 7.9 | |||||
| Forward Dividend Yield % | 2.67 | |||||
| 5-Year Yield-on-Cost % | 3.98 | |||||
| 3-Year Average Share Buyback Ratio | 1.6 | |||||
| Shareholder Yield % | 3.51 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 19.78 | |||||
| FCF Margin % | 18.39 | |||||
| ROE % | 14 | |||||
| ROA % | 0.86 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 8.15 | |||||
| PE Ratio without NRI | 8.15 | |||||
| Shiller PE Ratio | 10.27 | |||||
| Price-to-Owner-Earnings | 9.35 | |||||
| PEG Ratio | 10.19 | |||||
| PS Ratio | 1.6 | |||||
| PB Ratio | 0.99 | |||||
| Price-to-Tangible-Book | 1.14 | |||||
| Price-to-Free-Cash-Flow | 8.68 | |||||
| Price-to-Operating-Cash-Flow | 6.71 | |||||
| EV-to-Revenue | 1.52 | |||||
| EV-to-FCF | 8.28 | |||||
| Price-to-GF-Value | 1.13 | |||||
| Price-to-Projected-FCF | 0.5 | |||||
| Price-to-Median-PS-Value | 0.84 | |||||
| Price-to-Graham-Number | 0.64 | |||||
| FCF Yield % | 11.51 | |||||
| Forward Rate of Return (Yacktman) % | 9.53 |
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Peter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Bank of the James Financial Group Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 42.644 | ||
| EPS (TTM) ($) | 1.84 | ||
| Beta | 0.22 | ||
| 3-Year Sharpe Ratio | 0.03 | ||
| 3-Year Sortino Ratio | 0.05 | ||
| Volatility % | 37.7 | ||
| 14-Day RSI | 49.92 | ||
| 14-Day ATR ($) | 0.616173 | ||
| 20-Day SMA ($) | 15.25534 | ||
| 12-1 Month Momentum % | 29.97 | ||
| 52-Week Range ($) | 9.65 - 17.05 | ||
| Shares Outstanding (Mil) | 4.54 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Bank of the James Financial Group Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Bank of the James Financial Group Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| No Event Data | ||||
Bank of the James Financial Group Inc Frequently Asked Questions
What is Bank of the James Financial Group Inc(BOTJ)'s stock price today?
The current price of BOTJ is $14.99. The 52 week high of BOTJ is $17.05 and 52 week low is $9.65.
When is next earnings date of Bank of the James Financial Group Inc(BOTJ)?
The next earnings date of Bank of the James Financial Group Inc(BOTJ) is 2025-01-31 Est..
Does Bank of the James Financial Group Inc(BOTJ) pay dividends? If so, how much?
The Dividend Yield %  of Bank of the James Financial Group Inc(BOTJ) is 2.67% (As of Today), Highest Dividend Payout Ratio of Bank of the James Financial Group Inc(BOTJ) was 0.36. The lowest was 0.15. And the median was 0.19. The  Forward Dividend Yield % of Bank of the James Financial Group Inc(BOTJ) is 2.67%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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