A Business at a Glance
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BANK OF THE JAMES FINANCIAL GROUP INC
BOTJ
$122M
Mkt Cap
$26.93
+1.43%
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a current P/E ratio of 10.6, compared to its historical median P/E of 9.1. The stock is currently considered Fair based on its historical valuation range.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a 5-year average return on invested capital (ROIC) of 12.3%. This indicates solid capital allocation.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a market capitalization of $122M. It is classified as a small-cap stock.
Yes, BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) pays a dividend with a trailing twelve-month yield of 1.49%.
Based on historical P/E analysis, BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) appears fair. The current P/E of 10.6 is 17% above its historical median of 9.1. The estimated fair value CAGR (P/E method) is 11.5%.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) operates in the State Commercial Banks industry, within the Financials sector.
Bank of the James Financial Group, Inc. (“Financial” or the “Company”) is a bank holding company with its headquarters in Lynchburg, Virginia. Financial was incorporated at the direction of Bank of the James (the “Bank” or “Bank of the James”) on October 3, 2003 to serve as a bank holding company of the Bank. Financial acquired all of the shares of the Bank in a statutory share exchange on a one-for-one basis on January 1, 2004. The Bank is a Virginia banking corporation headquartered in Lynchburg, Virginia. The Bank was incorporated under the laws of the Commonwealth of Virginia as a state-chartered bank in 1998 and began banking operations in July 1999. The Bank was organized to engage in general retail and commercial banking business. The Bank’s principal office is located at 828 Main Street, Lynchburg, Virginia 24504 and its telephone number is (434) 846-2000. The Bank also maintains a website at www.bankofthejames.bank.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 63M | 63M | 60M | 52M | 45M | 40M |
| Net Income | 9.0M | 9.0M | 7.9M | 8.7M | 9.0M | 7.6M |
| EPS | $1.99 | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 |
| Free Cash Flow | 10M | 10M | 6.0M | 7.9M | 8.1M | 13M |
| ROIC | 160.4% | 12.4% | 11.7% | 14.4% | 12.8% | 10.0% |
| Gross Margin | 0.0% | 0.0% | 73.1% | 81.2% | 93.2% | 93.6% |
| Debt/Equity | 0.13 | 0.13 | 0.15 | 0.17 | 0.20 | 0.14 |
| Dividends/Share | $0.40 | $0.40 | $0.40 | $0.32 | $0.29 | $0.28 |
| Operating Income | 11M | 11M | 9.9M | 10M | 11M | 9.5M |
| Operating Margin | 17.8% | 17.8% | 16.6% | 19.7% | 24.6% | 23.4% |
| ROE | 11.3% | 12.5% | 12.7% | 15.8% | 15.0% | 11.1% |
| Shares Outstanding | 5M | 5M | 5M | 5M | 5M | 5M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 22M | 24M | 26M | 28M | 32M | 37M | 41M | 40M | 45M | 52M | 60M | 63M | 63M |
| Gross Margin | 89.3% | 87.9% | 85.0% | 86.0% | 86.0% | 84.4% | 82.6% | 93.6% | 93.2% | 81.2% | 73.1% | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 7.9M | 8.7M | 9.2M | 10M | 11M | 13M | 15M | 16M | 18M | 18M | 19M | 21M | 21M |
| EBIT | 4.7M | 5.3M | 4.8M | 5.4M | 6.6M | 6.9M | 6.2M | 9.5M | 11M | 10M | 9.9M | 11M | 11M |
| Op. Margin | 21.1% | 21.8% | 18.3% | 18.9% | 20.6% | 18.7% | 15.2% | 23.4% | 24.6% | 19.7% | 16.6% | 17.8% | 17.8% |
| Net Income | 3.4M | 3.7M | 3.3M | 2.9M | 5.3M | 5.6M | 5.0M | 7.6M | 9.0M | 8.7M | 7.9M | 9.0M | 9.0M |
| Net Margin | 15.3% | 15.1% | 12.5% | 10.3% | 16.5% | 15.1% | 12.2% | 18.8% | 19.9% | 16.7% | 13.3% | 14.4% | 14.4% |
| Non-Recurring | 0 | 0 | 0 | 0 | 185K | 287K | 437K | 0 | 213K | 23K | 0 | 28K | 28K |
| Returns on Capital | |||||||||||||
| ROIC | 8.1% | 7.2% | 5.6% | 5.0% | 9.1% | 8.9% | 7.2% | 10.0% | 12.8% | 14.4% | 11.7% | 12.4% | 160.4% |
| ROE | 10.6% | 8.9% | 6.7% | 5.8% | 9.9% | 9.6% | 7.8% | 11.1% | 15.0% | 15.8% | 12.7% | 12.5% | 11.3% |
| ROA | 0.8% | 0.7% | 0.6% | 0.5% | 0.8% | 0.8% | 0.6% | 0.8% | 0.9% | 0.9% | 0.8% | 0.9% | 0.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 5.6M | 3.3M | 2.8M | 6.7M | 8.6M | 5.6M | 5.2M | 16M | 9.3M | 9.5M | 8.5M | 12M | 12M |
| Free Cash Flow | 4.3M | 1.8M | 1.1M | 4.8M | 6.3M | 1.2M | 3.4M | 13M | 8.1M | 7.9M | 6.0M | 10M | 10M |
| Owner Earnings | 4.8M | 2.6M | 2.0M | 5.9M | 7.6M | 3.8M | 3.1M | 14M | 7.3M | 8.1M | 7.1M | 10M | 10M |
| CapEx | 1.3M | 1.5M | 1.7M | 1.9M | 2.3M | 4.4M | 1.8M | 2.9M | 1.2M | 1.6M | 2.6M | 1.2M | 1.2M |
| Maint. CapEx | 756K | 767K | 767K | 811K | 930K | 1.7M | 2.0M | 2.1M | 2.0M | 1.4M | 1.4M | 1.3M | 1.3M |
| Growth CapEx | 586K | 745K | 940K | 1.1M | 1.4M | 2.7M | 0 | 850K | 0 | 167K | 1.2M | 0 | 0 |
| D&A | 756K | 767K | 767K | 811K | 930K | 1.7M | 2.0M | 2.1M | 2.0M | 1.4M | 1.4M | 1.3M | 1.3M |
| CapEx/OCF | 23.9% | 45.2% | 61.3% | 28.6% | 26.8% | 78.6% | 33.7% | 17.8% | 12.8% | 16.6% | 30.0% | N/A | 10.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 506K | 803K | 1.1M | 1.1M | 1.1M | 1.2M | 1.2M | 1.3M | 1.4M | 1.5M | 1.8M | 1.8M | 1.8M |
| Dividend Yield | 2.3% | 2.9% | 2.6% | 2.2% | 2.1% | 2.5% | 2.9% | 2.1% | 2.4% | 3.2% | 3.4% | N/A | 1.5% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 315K | 275K | 427K | 1.4M | 997K | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 0.5% | 0.6% | 0.7% | 2.7% | 1.9% | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 69K | 0 | 0 | 0 | 0 | 106K | 106K | 106K | 0 | 0 | 0 | 0 | 0 |
| Debt Repayment | 0 | 0 | 10M | 0 | 0 | 0 | 5.0M | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -27M | -55M | -59M | -87M | -98M | -94M | -181M | -173M | -238M | -281M | -251M | -289M | -74M |
| Cash & Equiv. | 13M | 29M | 29M | 37M | 50M | 39M | 101M | 183M | 62M | 75M | 73M | 84M | 84M |
| Long-Term Debt | 10M | 10M | 10M | 5.0M | 5.0M | 5.0M | 5.0M | 10M | 10M | 10M | 10M | 389K | 389K |
| Debt/Equity | 0.29 | 0.21 | 0.20 | 0.10 | 0.09 | 0.08 | 0.15 | 0.14 | 0.20 | 0.17 | 0.15 | 0.13 | 0.13 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 | 0.8 |
| Equity | 35M | 48M | 49M | 52M | 55M | 61M | 67M | 69M | 50M | 60M | 65M | 80M | 80M |
| Total Assets | 461M | 527M | 574M | 626M | 675M | 725M | 851M | 988M | 929M | 969M | 979M | 1.0B | 1.0B |
| Total Liabilities | 426M | 479M | 525M | 575M | 620M | 664M | 785M | 918M | 878M | 909M | 914M | 959M | 959M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8.4M | 7.8M | 7.3M | 6.7M | 6.2M | 6.2M |
| Retained Earnings | 5.0M | 7.9M | 10M | 12M | 17M | 21M | 25M | 23M | 31M | 37M | 43M | 50M | 50M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 1.01 | 1.07 | 0.75 | 0.67 | 1.21 | 1.28 | 1.04 | 1.60 | 1.91 | 1.91 | 1.75 | 1.99 | 1.99 |
| Owner EPS | 1.42 | 0.75 | 0.46 | 1.35 | 1.74 | 0.87 | 0.64 | 2.99 | 1.55 | 1.77 | 1.57 | 2.28 | 2.28 |
| Book Value | 10.29 | 13.97 | 11.28 | 11.85 | 12.58 | 14.03 | 13.94 | 14.64 | 10.71 | 13.17 | 14.29 | 17.66 | 17.66 |
| Cash Flow/Share | 1.66 | 0.97 | 0.64 | 1.54 | 1.96 | 1.28 | 1.09 | 3.45 | 1.99 | 2.08 | 1.87 | 2.57 | 2.28 |
| Dividends/Share | 0.15 | 0.22 | 0.24 | 0.24 | 0.24 | 0.28 | 0.28 | 0.28 | 0.29 | 0.32 | 0.40 | 0.40 | 0.40 |
| Shares Out. | 3.4M | 3.5M | 4.4M | 4.4M | 4.4M | 4.4M | 4.8M | 4.7M | 4.7M | 4.6M | 4.5M | 4.5M | 4.5M |
| Valuation | |||||||||||||
| P/E Ratio | 8.0 | 9.7 | 16.3 | 18.8 | 9.1 | 10.3 | 9.3 | 8.6 | 5.7 | 6.0 | 8.6 | N/A | 13.5 |
| P/FCF | 5.8 | 17.8 | 45.1 | 10.4 | 7.0 | 44.0 | 13.5 | 4.8 | 6.3 | 6.6 | 11.5 | N/A | 11.6 |
| EV/EBIT | 5.3 | 5.7 | N/A | 7.2 | 5.1 | 5.1 | 5.3 | 6.5 | 4.6 | 6.0 | 7.9 | N/A | 4.3 |
| Price/Book | 0.8 | 0.7 | 1.1 | 1.1 | 0.9 | 0.9 | 0.7 | 0.9 | 1.0 | 0.9 | 1.1 | N/A | 1.5 |
| Price/Sales | 1.2 | 1.4 | 1.8 | 30.5 | N/A | N/A | N/A | N/A | N/A | N/A | 13.4 | N/A | 2.0 |
| FCF Yield | 15.8% | 5.1% | 2.0% | 8.7% | 13.0% | 2.1% | 7.4% | 20.7% | 15.8% | 15.1% | 8.7% | N/A | 8.6% |
| Market Cap | 27M | 36M | 53M | 55M | 48M | 58M | 46M | 65M | 51M | 53M | 69M | 0 | 122M |
| Avg. Price | 6.46 | 8.07 | 9.18 | 11.19 | 11.48 | 11.09 | 8.80 | 12.82 | 12.11 | 9.91 | 11.84 | 0.00 | 26.93 |
| Year-End Price | 7.30 | 9.46 | 11.10 | 11.47 | 10.01 | 12.00 | 9.70 | 13.69 | 10.93 | 11.54 | 15.12 | 0.00 | 26.93 |
BANK OF THE JAMES FINANCIAL GROUP INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
BANK OF THE JAMES FINANCIAL GROUP INC trades at 10.6x trailing earnings, compared to its 15-year median P/E of 9.1x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.4x vs a median of 10.4x. The company's 5-year average ROIC is 12.3% with a gross margin of 68.2%. Total shareholder yield (dividends) is 1.5%. At current prices, the estimated annualized return to fair value is +17.5%.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) reported annual revenue of $63 million in its most recent fiscal year, based on SEC EDGAR filings.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a net profit margin of 14.4%. This is a healthy margin.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) generated $10 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a debt-to-equity ratio of 0.13. This indicates a conservatively financed balance sheet.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) reported earnings per share (EPS) of $1.99 in its most recent fiscal year.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a return on equity (ROE) of 12.5%. This indicates moderate shareholder returns.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a 5-year average gross margin of 68.2%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a book value per share of $17.66, based on its most recent annual SEC filing.