BANK OF THE JAMES FINANCIAL (BOTJ)
US4702991088 - Common Stock
BOTJ gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. Both the profitability and financial health of BOTJ have multiple concerns. BOTJ has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
BOTJ had positive earnings in the past year.
In the past 5 years BOTJ has always been profitable.
Of the past 5 years BOTJ 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of BOTJ (0.90%) is comparable to the rest of the industry.
BOTJ has a better Return On Equity (14.73%) than 88.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 14.73% | ||
| ROIC | N/A |
ROA(3y)0.88%
ROA(5y)0.8%
ROE(3y)14.43%
ROE(5y)11.98%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of BOTJ (21.11%) is worse than 62.62% of its industry peers.
In the last couple of years the Profit Margin of BOTJ has grown nicely.
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) | 21.11% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.01%
PM growth 5Y1.84%
GM growth 3YN/A
GM growth 5YN/A
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 less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BOTJ has less shares outstanding
The debt/assets ratio for BOTJ has been reduced compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.33 indicates that BOTJ is not too dependend on debt financing.
BOTJ has a worse Debt to Equity ratio (0.33) than 63.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.40% over the past year.
BOTJ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.64% yearly.
Looking at the last year, BOTJ shows a decrease in Revenue. The Revenue has decreased by -3.26% in the last year.
Measured over the past years, BOTJ shows a quite strong growth in Revenue. The Revenue has been growing by 8.44% on average per year.
EPS 1Y (TTM)4.4%
EPS 3Y22.41%
EPS 5Y11.64%
EPS growth Q2Q11.94%
Revenue 1Y (TTM)-3.26%
Revenue growth 3Y5.65%
Revenue growth 5Y8.44%
Revenue growth Q2Q-3.96%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.35, which indicates a rather cheap valuation of BOTJ.
Based on the Price/Earnings ratio, BOTJ is valued cheaper than 95.15% of the companies in the same industry.
When comparing the Price/Earnings ratio of BOTJ to the average of the S&P500 Index (24.55), we can say BOTJ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.35 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.46
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
BOTJ has a Yearly Dividend Yield of 3.93%.
BOTJ's Dividend Yield is comparable with the industry average which is at 3.86.
BOTJ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.93% |
5.2 History
On average, the dividend of BOTJ grows each year by 6.13%, 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 in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)6.13%
Div Incr Years2
Div Non Decr Years9
5.3 Sustainability
The earnings of BOTJ are negative and hence is the payout ratio. BOTJ will probably not be able to sustain this dividend level.
BOTJ's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-4.16%
EPS Next 2YN/A
EPS Next 3YN/A
BANK OF THE JAMES FINANCIAL
NASDAQ:BOTJ (5/2/2024, 9:34:32 AM)
10.49
+0.29 (+2.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap47.62M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.93% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.35 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 14.73% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 21.11% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)4.4%
EPS 3Y22.41%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-3.26%
Revenue growth 3Y5.65%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y