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Bank of the James Financial Group (Bank of the James Financial Group) Shiller PE Ratio

: 7.14 (As of Today)
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As of today (2024-04-18), Bank of the James Financial Group's current share price is $9.775. Bank of the James Financial Group's E10 for the quarter that ended in Dec. 2023 was $1.37. Bank of the James Financial Group's Shiller PE Ratio for today is 7.14.

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

BOTJ' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.89   Med: 19.2   Max: 28.22
Current: 7.13

During the past years, Bank of the James Financial Group's highest Shiller PE Ratio was 28.22. The lowest was 6.89. And the median was 19.20.

BOTJ's Shiller PE Ratio is ranked better than
77.6% of 1125 companies
in the Banks industry
Industry Median: 10.2 vs BOTJ: 7.13

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Bank of the James Financial Group's adjusted earnings per share data for the three months ended in Dec. 2023 was $0.450. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $1.37 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


Bank of the James Financial Group Shiller PE Ratio Historical Data

The historical data trend for Bank of the James Financial Group's Shiller PE 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
Shiller PE Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.28 12.82 14.55 9.55 8.92

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
Shiller PE 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 9.55 8.19 6.87 7.76 8.92

Competitive Comparison

For the Banks - Regional subindustry, Bank of the James Financial Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio Distribution

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

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



Bank of the James Financial Group Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

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

Shiller PE Ratio=Share Price/ E10
=9.775/1.37
=7.14

* 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.

Bank of the James Financial Group's E10 for the quarter that ended in Dec. 2023 is calculated as:

For example, Bank of the James Financial Group's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.45/129.4194*129.4194
=0.450

Current CPI (Dec. 2023) = 129.4194.

Bank of the James Financial Group Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201403 0.191 99.695 0.248
201406 0.227 100.560 0.292
201409 0.245 100.428 0.316
201412 0.255 99.070 0.333
201503 0.245 99.621 0.318
201506 0.255 100.684 0.328
201509 0.264 100.392 0.340
201512 0.200 99.792 0.259
201603 0.182 100.470 0.234
201606 0.218 101.688 0.277
201609 0.218 101.861 0.277
201612 0.064 101.863 0.081
201703 0.155 102.862 0.195
201706 0.164 103.349 0.205
201709 0.209 104.136 0.260
201712 0.073 104.011 0.091
201803 0.236 105.290 0.290
201806 0.273 106.317 0.332
201809 0.291 106.507 0.354
201812 0.309 105.998 0.377
201903 0.255 107.251 0.308
201906 0.282 108.070 0.338
201909 0.309 108.329 0.369
201912 0.318 108.420 0.380
202003 0.209 108.902 0.248
202006 0.170 108.767 0.202
202009 0.300 109.815 0.354
202012 0.355 109.897 0.418
202103 0.380 111.754 0.440
202106 0.420 114.631 0.474
202109 0.400 115.734 0.447
202112 0.390 117.630 0.429
202203 0.450 121.301 0.480
202206 0.480 125.017 0.497
202209 0.550 125.227 0.568
202212 0.420 125.222 0.434
202303 0.430 127.348 0.437
202306 0.560 128.729 0.563
202309 0.460 129.860 0.458
202312 0.450 129.419 0.450

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


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

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Bank of the James Financial Group Shiller PE 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