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BOTJ (Bank of the James Financial Group) Cyclically Adjusted PS Ratio : 1.64 (As of Apr. 26, 2025)


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What is Bank of the James Financial Group Cyclically Adjusted PS Ratio?

As of today (2025-04-26), Bank of the James Financial Group's current share price is $13.55. Bank of the James Financial Group's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2024 was $8.25. Bank of the James Financial Group's Cyclically Adjusted PS Ratio for today is 1.64.

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

BOTJ' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.19   Med: 2.21   Max: 3
Current: 1.64

During the past years, Bank of the James Financial Group's highest Cyclically Adjusted PS Ratio was 3.00. The lowest was 1.19. And the median was 2.21.

BOTJ's Cyclically Adjusted PS Ratio is ranked better than
73.55% of 1240 companies
in the Banks industry
Industry Median: 2.66 vs BOTJ: 1.64

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Bank of the James Financial Group's adjusted revenue per share data for the three months ended in Dec. 2024 was $2.487. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $8.25 for the trailing ten years ended in Dec. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Bank of the James Financial Group Cyclically Adjusted PS Ratio Historical Data

The historical data trend for Bank of the James Financial Group's Cyclically Adjusted 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 Cyclically Adjusted PS Ratio Chart

Bank of the James Financial Group Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.82 2.33 1.63 1.57 1.92

Bank of the James Financial Group Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial 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 1.57 1.30 1.39 1.68 1.92

Competitive Comparison of Bank of the James Financial Group's Cyclically Adjusted PS Ratio

For the Banks - Regional subindustry, Bank of the James Financial Group's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted 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's Cyclically Adjusted PS Ratio Distribution in the Banks Industry

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

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


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Bank of the James Financial Group Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

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

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=13.55/8.25
=1.64

* 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 Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2024 is calculated as:

For example, Bank of the James Financial Group's adjusted Revenue per Share data for the three months ended in Dec. 2024 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=2.487/133.1571*133.1571
=2.487

Current CPI (Dec. 2024) = 133.1571.

Bank of the James Financial Group Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201503 1.367 99.621 1.827
201506 1.439 100.684 1.903
201509 1.508 100.392 2.000
201512 1.354 99.792 1.807
201603 1.165 100.470 1.544
201606 1.236 101.688 1.618
201609 1.254 101.861 1.639
201612 1.244 101.863 1.626
201703 1.164 102.862 1.507
201706 1.289 103.349 1.661
201709 1.339 104.136 1.712
201712 1.385 104.011 1.773
201803 1.327 105.290 1.678
201806 1.481 106.317 1.855
201809 1.489 106.507 1.862
201812 1.493 105.998 1.876
201903 1.499 107.251 1.861
201906 1.588 108.070 1.957
201909 1.686 108.329 2.072
201912 1.678 108.420 2.061
202003 1.699 108.902 2.077
202006 1.766 108.767 2.162
202009 1.866 109.815 2.263
202012 2.000 109.897 2.423
202103 1.868 111.754 2.226
202106 1.996 114.631 2.319
202109 1.969 115.734 2.265
202112 1.997 117.630 2.261
202203 2.058 121.301 2.259
202206 2.088 125.017 2.224
202209 2.457 125.227 2.613
202212 2.346 125.222 2.495
202303 2.271 127.348 2.375
202306 2.328 128.729 2.408
202309 2.278 129.860 2.336
202312 2.286 129.419 2.352
202403 2.216 131.776 2.239
202406 2.432 132.554 2.443
202409 2.453 133.029 2.455
202412 2.487 133.157 2.487

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

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) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Bank of the James Financial Group Cyclically Adjusted PS Ratio Related Terms

Thank you for viewing the detailed overview of Bank of the James Financial Group's Cyclically Adjusted PS Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


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
Alford John R Jr director 828 MAIN ST, LYNCHBURG VA 24504
Bryant William C Iii director 828 MAIN ST, LYNCHBURG VA 24504
Julie P Doyle director 828 MAIN ST, LYNCHBURG VA 24504
Phillip C Jamerson 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
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