BANK OF THE JAMES FINANCIAL (BOTJ) Stock Fundamental Analysis
USA - NASDAQ:BOTJ - US4702991088 - Common Stock
17.07 USD
+0.08 (+0.47%)
We assign a fundamental rating of 3 out of 10 to BOTJ. BOTJ was compared to 388 industry peers in the Banks industry. The financial health of BOTJ is average, but there are quite some concerns on its profitability. BOTJ does not seem to be growing, but still is valued expensively.
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.
Each year in the past 5 years BOTJ has been profitable.
Each year in the past 5 years BOTJ had a positive operating cash flow.
1.2 Ratios
BOTJ has a worse Return On Assets (0.71%) than 62.37% of its industry peers.
The Return On Equity of BOTJ (9.99%) is better than 64.43% 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 has a worse Profit Margin (15.50%) than 76.03% 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.
Compared to 1 year ago, BOTJ has about the same amount of shares outstanding.
Compared to 5 years ago, BOTJ has less shares outstanding
BOTJ has a better debt/assets ratio than last year.
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.
The Debt to FCF ratio of BOTJ (1.05) is better than 65.72% 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.
BOTJ has a Debt to Equity ratio of 0.13. This is in the better half of the industry: BOTJ outperforms 61.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BOTJ have decreased by -6.03% in the last year.
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.
Looking at the last year, BOTJ shows a quite strong growth in Revenue. The Revenue has grown by 8.89% in the last year.
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
The Price/Earnings ratio is 9.75, which indicates a very decent valuation of BOTJ.
Compared to the rest of the industry, the Price/Earnings ratio of BOTJ indicates a somewhat cheap valuation: BOTJ is cheaper than 72.16% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BOTJ to the average of the S&P500 Index (25.47), we can say BOTJ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.75 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BOTJ is valued a bit cheaper than the industry average as 70.62% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.14
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.35%, BOTJ has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.39, BOTJ is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, BOTJ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
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 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.
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
NASDAQ:BOTJ (11/19/2025, 2:52:58 PM)
17.07
+0.08 (+0.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners23.13%
Inst Owner Change9.16%
Ins Owners12.52%
Ins Owner Change2.32%
Market Cap77.50M
Revenue(TTM)47.30M
Net Income(TTM)7.16M
Analysts0
Price TargetN/A
Short Float %0.16%
Short Ratio2.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
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 | 9.75 | ||
| Fwd PE | N/A | ||
| P/S | 1.68 | ||
| P/FCF | 9.05 | ||
| P/OCF | 6.87 | ||
| P/B | 1.08 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.75
EY10.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.89
FCFY11.06%
OCF(TTM)2.48
OCFY14.55%
SpS10.17
BVpS15.79
TBVpS13.91
PEG (NY)N/A
PEG (5Y)1.14
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
WACC19.09%
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 9.75 and the Price/Book (PB) ratio is 1.08.
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.