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Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also provides loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it offers other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company provides mortgage banking; investment advisory services; securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. The company was founded in 1999 and is headquartered in Lynchburg, Virginia. more
Time Frame | BOTJ | Sector | S&P500 |
---|---|---|---|
1-Week Return | 2.74% | -1.81% | 0.77% |
1-Month Return | 23.28% | 7.92% | 5.21% |
3-Month Return | 20.73% | 12.15% | 10.43% |
6-Month Return | 50.47% | 22.03% | 13.46% |
1-Year Return | 57.23% | 40.22% | 32.91% |
3-Year Return | 3.87% | 30.56% | 32.22% |
5-Year Return | 20.07% | 68.26% | 94.57% |
10-Year Return | 77.36% | 150.02% | 192.3% |
Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | 5YR TREND | |
---|---|---|---|---|---|---|
Total Revenue | 31.09M | 35.01M | 37.19M | 42.02M | 39.36M | [{"date":"2019-12-31","value":73.97,"profit":true},{"date":"2020-12-31","value":83.31,"profit":true},{"date":"2021-12-31","value":88.49,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":93.67,"profit":true}] |
Cost of Revenue | - | - | - | - | (40.00K) | [{"date":"2019-12-31","value":"-","profit":true},{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":-4000000,"profit":false}] |
Gross Profit | 31.09M | 35.01M | 37.19M | 42.02M | 39.36M | [{"date":"2019-12-31","value":73.97,"profit":true},{"date":"2020-12-31","value":83.31,"profit":true},{"date":"2021-12-31","value":88.49,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":93.67,"profit":true}] |
Gross Margin | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | [{"date":"2019-12-31","value":100,"profit":true},{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":100,"profit":true}] |
Operating Expenses | (24.15M) | (28.83M) | (27.73M) | 920.00K | 29.29M | [{"date":"2019-12-31","value":-82.46,"profit":false},{"date":"2020-12-31","value":-98.43,"profit":false},{"date":"2021-12-31","value":-94.68,"profit":false},{"date":"2022-12-31","value":3.14,"profit":true},{"date":"2023-12-31","value":100,"profit":true}] |
Operating Income | 6.93M | 6.18M | 9.45M | 13.26M | 10.28M | [{"date":"2019-12-31","value":52.29,"profit":true},{"date":"2020-12-31","value":46.6,"profit":true},{"date":"2021-12-31","value":71.27,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":77.52,"profit":true}] |
Total Non-Operating Income/Expense | 31.39M | 21.23M | 23.75M | 25.45M | 27.34M | [{"date":"2019-12-31","value":100,"profit":true},{"date":"2020-12-31","value":67.62,"profit":true},{"date":"2021-12-31","value":75.65,"profit":true},{"date":"2022-12-31","value":81.06,"profit":true},{"date":"2023-12-31","value":87.11,"profit":true}] |
Pre-Tax Income | 6.93M | 6.18M | 9.45M | 11.11M | 10.28M | [{"date":"2019-12-31","value":62.41,"profit":true},{"date":"2020-12-31","value":55.62,"profit":true},{"date":"2021-12-31","value":85.07,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":92.52,"profit":true}] |
Income Taxes | 1.33M | 1.20M | 1.86M | 2.15M | 1.57M | [{"date":"2019-12-31","value":61.79,"profit":true},{"date":"2020-12-31","value":55.74,"profit":true},{"date":"2021-12-31","value":86.56,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":73.22,"profit":true}] |
Income After Taxes | 5.61M | 4.98M | 7.59M | 8.96M | 8.70M | [{"date":"2019-12-31","value":62.56,"profit":true},{"date":"2020-12-31","value":55.59,"profit":true},{"date":"2021-12-31","value":84.71,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":97.15,"profit":true}] |
Income From Continuous Operations | 5.61M | 4.98M | 7.59M | 8.96M | 8.55M | [{"date":"2019-12-31","value":62.56,"profit":true},{"date":"2020-12-31","value":55.59,"profit":true},{"date":"2021-12-31","value":84.71,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":95.43,"profit":true}] |
Income From Discontinued Operations | - | - | - | - | - | [{"date":"2019-12-31","value":"-","profit":true},{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true}] |
Net Income | 5.61M | 4.98M | 7.59M | 8.96M | 8.70M | [{"date":"2019-12-31","value":62.56,"profit":true},{"date":"2020-12-31","value":55.59,"profit":true},{"date":"2021-12-31","value":84.71,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":97.15,"profit":true}] |
EPS (Diluted) | 1.28 | 1.15 | 1.63 | 1.90 | 1.90 | [{"date":"2019-12-31","value":67.29,"profit":true},{"date":"2020-12-31","value":60.46,"profit":true},{"date":"2021-12-31","value":85.69,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":99.76,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
BOTJ | |
---|---|
Cash Ratio | 1.62 |
Current Ratio | 1.64 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
BOTJ | |
---|---|
ROA (LTM) | 0.86% |
ROE (LTM) | 14.18% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
BOTJ | |
---|---|
Debt Ratio Lower is generally better. Negative is bad. | 0.93 |
Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.07 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
BOTJ | |
---|---|
Trailing PE | 8.66 |
Forward PE | NM |
P/S (TTM) | 1.67 |
P/B | 1.06 |
Price/FCF | 55 |
EV/R | 2.17 |
EV/Ebitda | NM |
PEG | NM |
Bank of the James Financial Group (BOTJ) share price today is $16.101
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The 52-week high price of Bank of the James Financial Group (BOTJ) is $17.05. The 52-week low price of Bank of the James Financial Group (BOTJ) is $9.42.
The price-to-earnings (P/E) ratio of Bank of the James Financial Group (BOTJ) is 8.6559
The price-to-book (P/B) ratio of Bank of the James Financial Group (BOTJ) is 1.06
The dividend yield of Bank of the James Financial Group (BOTJ) is 2.48%
The market capitalization of Bank of the James Financial Group (BOTJ) is $73.15M
The stock symbol (or ticker) of Bank of the James Financial Group is BOTJ