GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Bank of the James Financial Group Inc (NAS:BOTJ) » Definitions » Cyclically Adjusted Price-to-FCF

Bank of the James Financial Group (Bank of the James Financial Group) Cyclically Adjusted Price-to-FCF : 7.75 (As of Apr. 28, 2024)


View and export this data going back to 2000. Start your Free Trial

What is Bank of the James Financial Group Cyclically Adjusted Price-to-FCF?

As of today (2024-04-28), Bank of the James Financial Group's current share price is $10.15. 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 for today is 7.75.

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

BOTJ' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.93   Med: 11.9   Max: 17.59
Current: 7.77

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

BOTJ's Cyclically Adjusted Price-to-FCF is ranked worse than
51.92% of 832 companies
in the Banks industry
Industry Median: 7.405 vs BOTJ: 7.77

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 adjusted free cash flow per share data 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 10 will get our Cyclically Adjusted FCF per Share, which is $1.31 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 Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Bank of the James Financial Group's Cyclically Adjusted Price-to-FCF 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 Price-to-FCF Chart

Bank of the James Financial Group Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.96 10.96 13.45 9.66 9.36

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
Cyclically Adjusted Price-to-FCF 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 9.66 8.16 7.39 8.36 9.36

Competitive Comparison of Bank of the James Financial Group's Cyclically Adjusted Price-to-FCF

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 Price-to-FCF Calculation

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

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

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=10.15/1.31
=7.75

* 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 FCF per Share for the quarter that ended in Dec. 2023 is calculated as:

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.

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 Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow 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 Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Bank of the James Financial Group Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Bank of the James Financial Group's Cyclically Adjusted Price-to-FCF 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