18.21 USD
-0.47 (-2.52%)
18 USD
-0.21 (-1.15%)
We assign a fundamental rating of 3 out of 10 to BOTJ. BOTJ was compared to 388 industry peers in the Banks industry. BOTJ scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BOTJ does not seem to be growing, but still is valued expensively.
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.
BOTJ had positive earnings in each of the past 5 years.
In the past 5 years BOTJ always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of BOTJ (0.71%) is worse than 64.95% of its industry peers.
BOTJ has a better Return On Equity (9.99%) than 63.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 9.99% | ||
| 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 15.50% is on the low side compared to the rest of the industry. BOTJ is outperformed by 75.52% of its industry peers.
In the last couple of years the Profit Margin of BOTJ has remained more or less at the same level.
BOTJ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.5% | ||
| 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
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.
The debt/assets ratio for BOTJ has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BOTJ is 1.05, which is an excellent value as it means it would take BOTJ, only 1.05 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.05, BOTJ is in the better half of the industry, outperforming 64.95% of the companies in the same industry.
A Debt/Equity ratio of 0.13 indicates that BOTJ is not too dependend on debt financing.
BOTJ's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. BOTJ outperforms 61.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BOTJ shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.03%.
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.
The Revenue has grown by 8.89% in the past year. This is quite good.
Measured over the past years, BOTJ shows a small growth in Revenue. The Revenue has been growing by 6.93% on average per year.
EPS 1Y (TTM)-6.03%
EPS 3Y3%
EPS 5Y8.55%
EPS Q2Q%37.66%
Revenue 1Y (TTM)8.89%
Revenue growth 3Y5.04%
Revenue growth 5Y6.93%
Sales Q2Q%10.03%
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
A Price/Earnings ratio of 10.41 indicates a reasonable valuation of BOTJ.
Based on the Price/Earnings ratio, BOTJ is valued a bit cheaper than 76.55% of the companies in the same industry.
BOTJ is valuated cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.41 | ||
| Fwd PE | N/A |
4.2 Price Multiples
BOTJ's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BOTJ is cheaper than 68.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.65 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.22
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
BOTJ has a Yearly Dividend Yield of 2.14%.
BOTJ's Dividend Yield is slightly below the industry average, which is at 2.74.
BOTJ's Dividend Yield is comparable with the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
5.2 History
On average, the dividend of BOTJ grows each year by 9.32%, which is quite nice.
BOTJ has been paying a dividend for at least 10 years, so it has 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
BOTJ pays out 25.41% of its income as dividend. This is a sustainable payout ratio.
BOTJ's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.41%
EPS Next 2YN/A
EPS Next 3YN/A
18.21
-0.47 (-2.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners25.24%
Inst Owner Change9.13%
Ins Owners12.53%
Ins Owner Change0.73%
Market Cap82.67M
Revenue(TTM)47.30M
Net Income(TTM)7.16M
Analysts0
Price TargetN/A
Short Float %0.09%
Short Ratio1.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
Yearly Dividend0.4
Dividend Growth(5Y)9.32%
DP25.41%
Div Incr Years3
Div Non Decr Years10
Ex-Date
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 | 10.41 | ||
| Fwd PE | N/A | ||
| P/S | 1.79 | ||
| P/FCF | 9.65 | ||
| P/OCF | 7.33 | ||
| P/B | 1.15 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.75
EY9.61%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.89
FCFY10.36%
OCF(TTM)2.48
OCFY13.64%
SpS10.17
BVpS15.79
TBVpS13.91
PEG (NY)N/A
PEG (5Y)1.22
Graham Number24.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 9.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.5% | ||
| GM | N/A | ||
| FCFM | 18.56% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 0.13 | ||
| Debt/FCF | 1.05 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 141.73% | ||
| Cap/Sales | 5.86% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 119.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC18.79%
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)-6.03%
EPS 3Y3%
EPS 5Y8.55%
EPS Q2Q%37.66%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.89%
Revenue growth 3Y5.04%
Revenue growth 5Y6.93%
Sales Q2Q%10.03%
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-3.62%
FCF growth 3Y33.94%
FCF growth 5Y38.01%
OCF growth 1Y4.59%
OCF growth 3Y-18.62%
OCF growth 5Y8.77%
BANK OF THE JAMES FINANCIAL / BOTJ FAQ
What is the fundamental rating for BOTJ stock?
ChartMill assigns a fundamental rating of 3 / 10 to BOTJ.
What is the valuation status of BANK OF THE JAMES FINANCIAL (BOTJ) stock?
ChartMill assigns a valuation rating of 3 / 10 to BANK OF THE JAMES FINANCIAL (BOTJ). This can be considered as Overvalued.
How profitable is BANK OF THE JAMES FINANCIAL (BOTJ) stock?
BANK OF THE JAMES FINANCIAL (BOTJ) has a profitability rating of 3 / 10.
What are the PE and PB ratios of BANK OF THE JAMES FINANCIAL (BOTJ) stock?
The Price/Earnings (PE) ratio for BANK OF THE JAMES FINANCIAL (BOTJ) is 10.41 and the Price/Book (PB) ratio is 1.15.
What is the financial health of BANK OF THE JAMES FINANCIAL (BOTJ) stock?
The financial health rating of BANK OF THE JAMES FINANCIAL (BOTJ) is 4 / 10.