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 398 industry peers in the Banks industry. BOTJ may be in some trouble as it scores bad on both profitability and health. BOTJ has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year BOTJ was profitable.

In the past year BOTJ had a positive cash flow from operations.

In the past 5 years BOTJ has always been profitable.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 0.81%, BOTJ is in line with its industry, outperforming 49.25% of the companies in the same industry.

With an excellent Return On Equity value of 12.25%, BOTJ belongs to the best of the industry, outperforming 84.17% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.81%
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

Looking at the Profit Margin, with a value of 17.90%, BOTJ is doing worse than 67.09% of the companies in the same industry.

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)	17.9%
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.

The number of shares outstanding for BOTJ remains at a similar level compared to 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

The Debt to FCF ratio of BOTJ is 3.69, which is a good value as it means it would take BOTJ, 3.69 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 3.69, BOTJ is doing worse than 65.33% of the companies in the same industry.

BOTJ has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.

BOTJ's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. BOTJ is outperformed by 71.86% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	3.69
Altman-Z	N/A

ROIC/WACCN/A

WACC21.15%

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

The earnings per share for BOTJ have decreased by -8.53% in the last year.

Measured over the past years, BOTJ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.55% on average per year.

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

The Revenue has been growing slightly by 6.93% on average over the past years.

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

With a Price/Earnings ratio of 7.98, the valuation of BOTJ can be described as very cheap.

Based on the Price/Earnings ratio, BOTJ is valued cheaply inside the industry as 90.70% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of BOTJ to the average of the S&P500 Index (28.98), we can say BOTJ is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.98
Fwd PE	N/A

4.2 Price Multiples

BOTJ's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	10.64
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.93

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BOTJ has a Yearly Dividend Yield of 2.95%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.53, BOTJ has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.46, BOTJ pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.95%

5.2 History

On average, the dividend of BOTJ grows each year by 9.32%, which is quite nice.

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)9.32%

Div Incr Years3

Div Non Decr Years10

5.3 Sustainability

22.89% of the earnings are spent on dividend by BOTJ. This is a low number and sustainable payout ratio.

The dividend of BOTJ is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP22.89%

EPS Next 2YN/A

EPS Next 3YN/A

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BANK OF THE JAMES FINANCIAL

NASDAQ:BOTJ (4/30/2025, 3:22:11 PM)

After market: 13.45 -0.51 (-3.65%)

13.96

+0.07 (+0.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-18 2025-04-18

Earnings (Next)07-24 2025-07-24

Inst Owners23.19%

Inst Owner Change-0.03%

Ins Owners15.38%

Ins Owner Change0%

Market Cap63.38M

Analysts0

Price TargetN/A

Short Float %0.08%

Short Ratio0.46

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.95%

Yearly Dividend0.4

Dividend Growth(5Y)9.32%

DP22.89%

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	7.98
Fwd PE	N/A
P/S	1.43
P/FCF	10.64
P/OCF	7.45
P/B	0.98
P/tB	1.13
EV/EBITDA	N/A

EPS(TTM)1.75

EY12.54%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.31

FCFY9.4%

OCF(TTM)1.87

OCFY13.43%

SpS9.77

BVpS14.29

TBVpS12.35

PEG (NY)N/A

PEG (5Y)0.93

Profitability

		Industry Rank	Sector Rank
ROA	0.81%
ROE	12.25%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	17.9%
GM	N/A
FCFM	13.43%

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-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	3.69
Debt/EBITDA	N/A
Cap/Depr	131.58%
Cap/Sales	5.75%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	75.02%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC21.15%

ROIC/WACCN/A

Cap/Depr(3y)96.2%

Cap/Depr(5y)204.19%

Cap/Sales(3y)4.71%

Cap/Sales(5y)10.75%

Profit Quality(3y)82.49%

Profit Quality(5y)69.88%

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 1Y-24.74%

FCF growth 3Y33.94%

FCF growth 5Y38.01%

OCF growth 1Y-10.36%

OCF growth 3Y-18.62%

OCF growth 5Y8.77%

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