BANK OF THE JAMES FINANCIAL(NASDAQ:BOTJ) stock Fundamental Analysis

Fundamental Rating

Overall BOTJ gets a fundamental rating of 3 out of 10. We evaluated BOTJ against 402 industry peers in the Banks industry. BOTJ may be in some trouble as it scores bad on both profitability and health. BOTJ is valued correctly, but it does not seem to be growing. BOTJ also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BOTJ had positive earnings in the past year.

BOTJ had a positive operating cash flow in the past year.

Each year in the past 5 years BOTJ has been profitable.

BOTJ had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

BOTJ has a Return On Assets (0.84%) which is comparable to the rest of the industry.

Looking at the Return On Equity, with a value of 12.25%, BOTJ belongs to the top of the industry, outperforming 84.16% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.84%
ROE	12.25%
ROIC	N/A

ROA(3y)0.89%

ROA(5y)0.81%

ROE(3y)14.86%

ROE(5y)12.6%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BOTJ's Profit Margin of 19.41% is on the low side compared to the rest of the industry. BOTJ is outperformed by 64.36% of its industry peers.

In the last couple of years the Profit Margin of BOTJ has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for BOTJ so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.41%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.34%

PM growth 5Y0.26%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BOTJ does not have a ROIC to compare to the WACC, probably because it is not profitable.

BOTJ has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for BOTJ has been reduced compared to 5 years ago.

BOTJ has a better debt/assets ratio than last year.

2.2 Solvency

BOTJ has a debt to FCF ratio of 2.49. This is a good value and a sign of high solvency as BOTJ would need 2.49 years to pay back of all of its debts.

BOTJ's Debt to FCF ratio of 2.49 is in line compared to the rest of the industry. BOTJ outperforms 50.25% of its industry peers.

BOTJ has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.28, BOTJ is doing worse than 63.61% of the companies in the same industry.

Although BOTJ does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	2.49
Altman-Z	N/A

ROIC/WACCN/A

WACC15.64%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BOTJ shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.53%.

BOTJ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.55% yearly.

BOTJ shows a small growth in Revenue. In the last year, the Revenue has grown by 4.16%.

BOTJ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.93% yearly.

EPS 1Y (TTM)-8.53%

EPS 3Y3%

EPS 5Y8.55%

EPS Q2Q%-23.25%

Revenue 1Y (TTM)4.16%

Revenue growth 3Y5.04%

Revenue growth 5Y6.93%

Sales Q2Q%8.85%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

BOTJ is valuated cheaply with a Price/Earnings ratio of 7.47.

Compared to the rest of the industry, the Price/Earnings ratio of BOTJ indicates a rather cheap valuation: BOTJ is cheaper than 93.81% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of BOTJ to the average of the S&P500 Index (29.35), we can say BOTJ is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.47
Fwd PE	N/A

4.2 Price Multiples

BOTJ's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BOTJ is cheaper than 82.67% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.57
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.87

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BOTJ has a Yearly Dividend Yield of 3.07%. Purely for dividend investing, there may be better candidates out there.

BOTJ's Dividend Yield is comparable with the industry average which is at 3.37.

BOTJ's Dividend Yield is a higher than the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	3.07%

5.2 History

The dividend of BOTJ is nicely growing with an annual growth rate of 7.87%!

BOTJ has paid a dividend for at least 10 years, which is a reliable track record.

BOTJ has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)7.87%

Div Incr Years3

Div Non Decr Years10

5.3 Sustainability

BOTJ pays out 20.46% of its income as dividend. This is a sustainable payout ratio.

BOTJ's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.

DP20.46%

EPS Next 2YN/A

EPS Next 3YN/A

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BANK OF THE JAMES FINANCIAL

NASDAQ:BOTJ (3/7/2025, 8:08:17 PM)

13.07

+0.02 (+0.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-24 2025-01-24

Earnings (Next)04-24 2025-04-24

Inst Owners23.19%

Inst Owner Change14.04%

Ins Owners15.38%

Ins Owner Change0%

Market Cap59.34M

Analysts0

Price TargetN/A

Short Float %0.1%

Short Ratio0.39

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.07%

Yearly Dividend0.32

Dividend Growth(5Y)7.87%

DP20.46%

Div Incr Years3

Div Non Decr Years10

Ex-Date03-07 2025-03-07 (0.1)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	7.47
Fwd PE	N/A
P/S	1.37
P/FCF	7.57
P/OCF	5.85
P/B	0.86
P/tB	0.99
EV/EBITDA	N/A

EPS(TTM)1.75

EY13.39%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.73

FCFY13.21%

OCF(TTM)2.23

OCFY17.1%

SpS9.57

BVpS15.16

TBVpS13.2

PEG (NY)N/A

PEG (5Y)0.87

Profitability

		Industry Rank	Sector Rank
ROA	0.84%
ROE	12.25%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.41%
GM	N/A
FCFM	18.05%

ROA(3y)0.89%

ROA(5y)0.81%

ROE(3y)14.86%

ROE(5y)12.6%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.34%

PM growth 5Y0.26%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	2.49
Debt/EBITDA	N/A
Cap/Depr	123.93%
Cap/Sales	5.31%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	92.98%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC15.64%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-8.53%

EPS 3Y3%

EPS 5Y8.55%

EPS Q2Q%-23.25%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.16%

Revenue growth 3Y5.04%

Revenue growth 5Y6.93%

Sales Q2Q%8.85%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y6.67%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y2.29%

OCF growth 3YN/A

OCF growth 5YN/A

BANK OF THE JAMES FINANCIAL (BOTJ) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens