BOTJ Fundamental Analysis - BANK OF THE JAMES FINANCIAL

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BOTJ. BOTJ was compared to 391 industry peers in the Banks industry. While BOTJ seems to be doing ok healthwise, there are quite some concerns on its profitability. BOTJ does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

BOTJ had positive earnings in the past year.

BOTJ had a positive operating cash flow in the past year.

In the past 5 years BOTJ has always been profitable.

In the past 5 years BOTJ always reported a positive cash flow from operatings.

1.2 Ratios

BOTJ's Return On Assets of 0.71% is on the low side compared to the rest of the industry. BOTJ is outperformed by 60.36% of its industry peers.

Looking at the Return On Equity, with a value of 9.98%, BOTJ is in the better half of the industry, outperforming 65.98% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.71%
ROE	9.98%
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 has a Profit Margin of 15.50%. This is in the lower half of the industry: BOTJ underperforms 73.91% of its industry peers.

BOTJ's Profit Margin has been stable 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 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

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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.

Compared to 1 year ago, BOTJ has about the same amount of shares outstanding.

BOTJ has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, BOTJ has an improved debt to assets ratio.

2.2 Solvency

BOTJ has a debt to FCF ratio of 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.

BOTJ has a Debt to FCF ratio of 1.05. This is in the better half of the industry: BOTJ outperforms 67.52% of its industry peers.

BOTJ has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.13, BOTJ is in the better half of the industry, outperforming 62.66% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	1.05
Altman-Z	N/A

ROIC/WACCN/A

WACC19.91%

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

BOTJ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.05%.

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 8.18% in the past year. This is quite good.

BOTJ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.93% yearly.

EPS 1Y (TTM)-16.05%

EPS 3Y3%

EPS 5Y8.55%

EPS Q2Q%25.89%

Revenue 1Y (TTM)8.18%

Revenue growth 3Y5.04%

Revenue growth 5Y6.93%

Sales Q2Q%9.24%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.06 indicates a reasonable valuation of BOTJ.

BOTJ's Price/Earnings ratio is a bit cheaper when compared to the industry. BOTJ is cheaper than 79.54% of the companies in the same industry.

BOTJ is valuated cheaply when we compare the Price/Earnings ratio to 27.49, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.06
Fwd PE	N/A

4.2 Price Multiples

79.80% of the companies in the same industry are more expensive than BOTJ, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	8.37
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.18

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.53%, BOTJ has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.59, BOTJ is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.43, BOTJ has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.53%

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 their dividend for at least 10 years, which is a reliable track record.

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.

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

DP25.41%

EPS Next 2YN/A

EPS Next 3YN/A

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BANK OF THE JAMES FINANCIAL

NASDAQ:BOTJ (10/15/2025, 2:23:29 PM)

15.8

+0.14 (+0.89%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-25 2025-07-25

Earnings (Next)10-17 2025-10-17

Inst Owners23.13%

Inst Owner Change0%

Ins Owners12.52%

Ins Owner Change2.61%

Market Cap71.73M

Analysts0

Price TargetN/A

Short Float %0.1%

Short Ratio1.25

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.53%

Yearly Dividend0.4

Dividend Growth(5Y)9.32%

DP25.41%

Div Incr Years3

Div Non Decr Years10

Ex-Date09-12 2025-09-12 (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	10.06
Fwd PE	N/A
P/S	1.55
P/FCF	8.37
P/OCF	6.36
P/B	1
P/tB	1.14
EV/EBITDA	N/A

EPS(TTM)1.57

EY9.94%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.89

FCFY11.94%

OCF(TTM)2.48

OCFY15.71%

SpS10.17

BVpS15.79

TBVpS13.91

PEG (NY)N/A

PEG (5Y)1.18

Profitability

		Industry Rank	Sector Rank
ROA	0.71%
ROE	9.98%
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

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	0.13
Debt/FCF	1.05
Debt/EBITDA	N/A
Cap/Depr	141.62%
Cap/Sales	5.86%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	119.75%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC19.91%

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)-16.05%

EPS 3Y3%

EPS 5Y8.55%

EPS Q2Q%25.89%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.18%

Revenue growth 3Y5.04%

Revenue growth 5Y6.93%

Sales Q2Q%9.24%

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-3.63%

FCF growth 3Y33.94%

FCF growth 5Y38.01%

OCF growth 1Y4.56%

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