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Bank of the James Financial Group (Bank of the James Financial Group) Cyclically Adjusted FCF per Share : $1.31 (As of Dec. 2023)


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What is Bank of the James Financial Group Cyclically Adjusted FCF per Share?

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. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Bank of the James Financial Group's adjusted free cash flow per share for the three months ended in Dec. 2023 was $0.754. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $1.31 for the trailing ten years ended in Dec. 2023.

During the past 12 months, Bank of the James Financial Group's average Cyclically Adjusted FCF Growth Rate was 6.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 9.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 4.10% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 5.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Bank of the James Financial Group was 14.50% per year. The lowest was 0.80% per year. And the median was 6.00% per year.

As of today (2024-05-15), Bank of the James Financial Group's current stock price is $10.35. Bank of the James Financial Group's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $1.31. Bank of the James Financial Group's Cyclically Adjusted Price-to-FCF of today is 7.90.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bank of the James Financial Group was 17.59. The lowest was 6.93. And the median was 11.90.


Bank of the James Financial Group Cyclically Adjusted FCF per Share Historical Data

The historical data trend for Bank of the James Financial Group's Cyclically Adjusted FCF per Share 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 FCF per Share Chart

Bank of the James Financial Group Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.16 1.01 1.15 1.23 1.31

Bank of the James Financial Group Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted FCF per Share 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 1.29 1.23 1.26 1.31 -

Competitive Comparison of Bank of the James Financial Group's Cyclically Adjusted FCF per Share

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

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

* The bar in red indicates where Bank of the James Financial Group's Cyclically Adjusted Price-to-FCF falls into.



Bank of the James Financial Group Cyclically Adjusted FCF per Share Calculation

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. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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.

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

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.754/129.4194*129.4194
=0.754

Current CPI (Dec. 2023) = 129.4194.

Bank of the James Financial Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 0.287 99.695 0.373
201406 -0.127 100.560 -0.163
201409 0.660 100.428 0.851
201412 0.337 99.070 0.440
201503 0.210 99.621 0.273
201506 -0.219 100.684 -0.282
201509 0.025 100.392 0.032
201512 0.437 99.792 0.567
201603 0.027 100.470 0.035
201606 -0.032 101.688 -0.041
201609 0.511 101.861 0.649
201612 -0.281 101.863 -0.357
201703 0.681 102.862 0.857
201706 -0.051 103.349 -0.064
201709 0.364 104.136 0.452
201712 0.002 104.011 0.002
201803 0.154 105.290 0.189
201806 -0.213 106.317 -0.259
201809 1.135 106.507 1.379
201812 0.227 105.998 0.277
201903 -0.202 107.251 -0.244
201906 -0.125 108.070 -0.150
201909 0.134 108.329 0.160
201912 0.441 108.420 0.526
202003 0.007 108.902 0.008
202006 -0.056 108.767 -0.067
202009 -0.441 109.815 -0.520
202012 1.212 109.897 1.427
202103 1.058 111.754 1.225
202106 0.429 114.631 0.484
202109 0.091 115.734 0.102
202112 1.251 117.630 1.376
202203 -0.642 121.301 -0.685
202206 0.789 125.017 0.817
202209 0.800 125.227 0.827
202212 0.795 125.222 0.822
202303 1.003 127.348 1.019
202306 -0.517 128.729 -0.520
202309 0.485 129.860 0.483
202312 0.754 129.419 0.754

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


Bank of the James Financial Group  (NAS:BOTJ) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Bank of the James Financial Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=10.35/1.31
=7.90

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bank of the James Financial Group was 17.59. The lowest was 6.93. And the median was 11.90.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Bank of the James Financial Group Cyclically Adjusted FCF per Share Related Terms

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


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