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BANK OF THE JAMES FINANCIAL (BOTJ) Stock Fundamental Analysis

NASDAQ:BOTJ - Nasdaq - US4702991088 - Common Stock - Currency: USD

14.25  +0.05 (+0.35%)

Fundamental Rating

3

Taking everything into account, BOTJ scores 3 out of 10 in our fundamental rating. BOTJ was compared to 396 industry peers in the Banks industry. BOTJ has a bad profitability rating. Also its financial health evaluation is rather negative. BOTJ is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

1.2 Ratios

With a Return On Assets value of 0.65%, BOTJ is not doing good in the industry: 65.15% of the companies in the same industry are doing better.
With a decent Return On Equity value of 9.65%, BOTJ is doing good in the industry, outperforming 63.64% of the companies in the same industry.
Industry RankSector Rank
ROA 0.65%
ROE 9.65%
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
BOTJ Yearly ROA, ROE, ROICBOTJ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

BOTJ's Profit Margin of 14.62% is on the low side compared to the rest of the industry. BOTJ is outperformed by 77.02% 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 RankSector Rank
OM N/A
PM (TTM) 14.62%
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
BOTJ Yearly Profit, Operating, Gross MarginsBOTJ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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3

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.
Compared to 1 year ago, BOTJ has an improved debt to assets ratio.
BOTJ Yearly Shares OutstandingBOTJ Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
BOTJ Yearly Total Debt VS Total AssetsBOTJ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

The Debt to FCF ratio of BOTJ is 2.46, which is a good value as it means it would take BOTJ, 2.46 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BOTJ (2.46) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.28 indicates that BOTJ is not too dependend on debt financing.
The Debt to Equity ratio of BOTJ (0.28) is worse than 69.44% of its industry peers.
Even though the debt/equity ratio score it not favorable for BOTJ, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 2.46
Altman-Z N/A
ROIC/WACCN/A
WACC21.12%
BOTJ Yearly LT Debt VS Equity VS FCFBOTJ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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2

3. Growth

3.1 Past

BOTJ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.01%.
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.
BOTJ shows a small growth in Revenue. In the last year, the Revenue has grown by 6.97%.
BOTJ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.93% yearly.
EPS 1Y (TTM)-26.01%
EPS 3Y3%
EPS 5Y8.55%
EPS Q2Q%-61.51%
Revenue 1Y (TTM)6.97%
Revenue growth 3Y5.04%
Revenue growth 5Y6.93%
Sales Q2Q%7.24%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.83, which indicates a very decent valuation of BOTJ.
BOTJ's Price/Earnings ratio is a bit cheaper when compared to the industry. BOTJ is cheaper than 78.54% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.52. BOTJ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.83
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

75.00% of the companies in the same industry are more expensive than BOTJ, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.28
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)1.15
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

BOTJ has a Yearly Dividend Yield of 2.82%. Purely for dividend investing, there may be better candidates out there.
BOTJ's Dividend Yield is comparable with the industry average which is at 3.50.
Compared to an average S&P500 Dividend Yield of 2.39, BOTJ has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.82%

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
BOTJ Yearly Dividends per shareBOTJ Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

BOTJ pays out 27.58% 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.
DP27.58%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
BOTJ Dividend Payout.BOTJ Dividend Payout, showing the Payout Ratio.BOTJ Dividend Payout.PayoutRetained Earnings

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BANK OF THE JAMES FINANCIAL

NASDAQ:BOTJ (6/6/2025, 8:00:02 PM)

14.25

+0.05 (+0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30
Earnings (Next)07-24 2025-07-24
Inst Owners23.19%
Inst Owner Change3.33%
Ins Owners15.38%
Ins Owner Change2.03%
Market Cap64.69M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio0.88
Dividend
Industry RankSector Rank
Dividend Yield 2.82%
Yearly Dividend0.4
Dividend Growth(5Y)9.32%
DP27.58%
Div Incr Years3
Div Non Decr Years10
Ex-Date06-06 2025-06-06 (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 RankSector Rank
PE 9.83
Fwd PE N/A
P/S 1.43
P/FCF 8.28
P/OCF 6.16
P/B 0.95
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)1.45
EY10.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.72
FCFY12.07%
OCF(TTM)2.31
OCFY16.23%
SpS9.94
BVpS15.05
TBVpS13.15
PEG (NY)N/A
PEG (5Y)1.15
Profitability
Industry RankSector Rank
ROA 0.65%
ROE 9.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.62%
GM N/A
FCFM 17.31%
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 Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 2.46
Debt/EBITDA N/A
Cap/Depr 140.41%
Cap/Sales 5.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 118.35%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC21.12%
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)-26.01%
EPS 3Y3%
EPS 5Y8.55%
EPS Q2Q%-61.51%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.97%
Revenue growth 3Y5.04%
Revenue growth 5Y6.93%
Sales Q2Q%7.24%
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-47.84%
FCF growth 3Y33.94%
FCF growth 5Y38.01%
OCF growth 1Y-38.66%
OCF growth 3Y-18.62%
OCF growth 5Y8.77%