BANK OF THE JAMES FINANCIAL (BOTJ) Fundamental Analysis & Valuation

NASDAQ:BOTJ • US4702991088

Current stock price

20.6 USD
-0.1 (-0.48%)
At close:
20.02 USD
-0.58 (-2.82%)
After Hours:

This BOTJ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BOTJ Profitability Analysis

1.1 Basic Checks

  • In the past year BOTJ was profitable.
  • 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.
BOTJ Yearly Net Income VS EBIT VS OCF VS FCFBOTJ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

1.2 Ratios

  • With a Return On Assets value of 0.87%, BOTJ perfoms like the industry average, outperforming 41.84% of the companies in the same industry.
  • The Return On Equity of BOTJ (11.27%) is better than 73.68% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 11.27%
ROIC N/A
ROA(3y)0.86%
ROA(5y)0.86%
ROE(3y)12.67%
ROE(5y)13.36%
ROIC(3y)N/A
ROIC(5y)N/A
BOTJ Yearly ROA, ROE, ROICBOTJ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 18.54%, BOTJ is doing worse than 74.74% of the companies in the same industry.
  • BOTJ's Profit Margin has improved in the last couple of years.
  • BOTJ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 18.54%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.86%
PM growth 5Y6.11%
GM growth 3YN/A
GM growth 5YN/A
BOTJ Yearly Profit, Operating, Gross MarginsBOTJ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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2

2. BOTJ Health Analysis

2.1 Basic Checks

  • BOTJ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BOTJ has about the same amount of shares outstanding.
  • 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.
BOTJ Yearly Shares OutstandingBOTJ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M
BOTJ Yearly Total Debt VS Total AssetsBOTJ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • A Debt/Equity ratio of 0.11 indicates that BOTJ is not too dependend on debt financing.
  • BOTJ has a better Debt to Equity ratio (0.11) than 63.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC18.09%
BOTJ Yearly LT Debt VS Equity VS FCFBOTJ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BOTJ Yearly Current Assets VS Current LiabilitesBOTJ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. BOTJ Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.19% 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 13.81% yearly.
  • Looking at the last year, BOTJ shows a quite strong growth in Revenue. The Revenue has grown by 9.66% in the last year.
  • The Revenue has been growing slightly by 6.14% on average over the past years.
EPS 1Y (TTM)13.19%
EPS 3Y1.31%
EPS 5Y13.81%
EPS Q2Q%66.47%
Revenue 1Y (TTM)9.66%
Revenue growth 3Y4.26%
Revenue growth 5Y6.14%
Sales Q2Q%11.83%

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.
BOTJ Yearly Revenue VS EstimatesBOTJ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

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2

4. BOTJ Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.35, the valuation of BOTJ can be described as reasonable.
  • Based on the Price/Earnings ratio, BOTJ is valued a bit cheaper than 70.53% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.89. BOTJ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.35
Fwd PE N/A
BOTJ Price Earnings VS Forward Price EarningsBOTJ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BOTJ Per share dataBOTJ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.75
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. BOTJ Dividend Analysis

5.1 Amount

  • BOTJ has a Yearly Dividend Yield of 1.93%. Purely for dividend investing, there may be better candidates out there.
  • BOTJ's Dividend Yield is slightly below the industry average, which is at 2.66.
  • BOTJ's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.93%

5.2 History

  • The dividend of BOTJ is nicely growing with an annual growth rate of 9.32%!
  • 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
BOTJ Yearly Dividends per shareBOTJ Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0 0 0 0

5.3 Sustainability

  • BOTJ's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP0%
EPS Next 2YN/A
EPS Next 3YN/A
BOTJ Yearly Income VS Free CF VS DividendBOTJ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M

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BOTJ Fundamentals: All Metrics, Ratios and Statistics

BANK OF THE JAMES FINANCIAL

NASDAQ:BOTJ (3/27/2026, 8:03:21 PM)

After market: 20.02 -0.58 (-2.82%)

20.6

-0.1 (-0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-17
Inst Owners28.61%
Inst Owner Change15.39%
Ins Owners12.61%
Ins Owner Change0.46%
Market Cap93.52M
Revenue(TTM)48.66M
Net Income(TTM)9.02M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio0.98
Dividend
Industry RankSector Rank
Dividend Yield 1.93%
Yearly Dividend0.4
Dividend Growth(5Y)9.32%
DP0%
Div Incr Years3
Div Non Decr Years10
Ex-Date02-17
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 RankSector Rank
PE 10.35
Fwd PE N/A
P/S 1.92
P/FCF N/A
P/OCF N/A
P/B 1.17
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)1.99
EY9.66%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.72
BVpS17.63
TBVpS15.82
PEG (NY)N/A
PEG (5Y)0.75
Graham Number28.1
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 11.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.54%
GM N/A
FCFM N/A
ROA(3y)0.86%
ROA(5y)0.86%
ROE(3y)12.67%
ROE(5y)13.36%
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-3.86%
PM growth 5Y6.11%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC18.09%
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)13.19%
EPS 3Y1.31%
EPS 5Y13.81%
EPS Q2Q%66.47%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.66%
Revenue growth 3Y4.26%
Revenue growth 5Y6.14%
Sales Q2Q%11.83%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

BANK OF THE JAMES FINANCIAL / BOTJ Fundamental Analysis FAQ

What is the fundamental rating for BOTJ stock?

ChartMill assigns a fundamental rating of 3 / 10 to BOTJ.


What is the valuation status for BOTJ stock?

ChartMill assigns a valuation rating of 2 / 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.


How financially healthy is BANK OF THE JAMES FINANCIAL?

The financial health rating of BANK OF THE JAMES FINANCIAL (BOTJ) is 2 / 10.