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

NASDAQ:BOTJ • US4702991088

Current stock price

22.93 USD
-0.03 (-0.13%)
Last:

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

  • BOTJ had positive earnings in the past year.
  • BOTJ had positive earnings in each of the past 5 years.
  • Of the past 5 years BOTJ 4 years had a positive operating cash flow.
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

  • BOTJ has a worse Return On Assets (0.87%) than 60.37% of its industry peers.
  • With a decent Return On Equity value of 11.27%, BOTJ is doing good in the industry, outperforming 71.81% of the companies in the same industry.
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

  • With a Profit Margin value of 18.54%, BOTJ is not doing good in the industry: 76.06% of the companies in the same industry are doing better.
  • BOTJ's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for BOTJ so they could not be analyzed.
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.
  • BOTJ has about the same amout of shares outstanding than it did 1 year ago.
  • BOTJ has less shares outstanding than it did 5 years ago.
  • BOTJ has a better debt/assets ratio than last year.
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

  • BOTJ has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.11, BOTJ is in the better half of the industry, outperforming 63.03% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC17.3%
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.
  • BOTJ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.14% yearly.
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

  • The Price/Earnings ratio is 11.52, which indicates a very decent valuation of BOTJ.
  • Compared to the rest of the industry, the Price/Earnings ratio of BOTJ is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 26.64. BOTJ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.52
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)0.83
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BOTJ Dividend Analysis

5.1 Amount

  • BOTJ has a Yearly Dividend Yield of 1.74%. Purely for dividend investing, there may be better candidates out there.
  • BOTJ's Dividend Yield is slightly below the industry average, which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.82, BOTJ has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.74%

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 Years0
Div Non Decr Years11
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

  • The dividend of BOTJ is growing, but earnings are growing more, so the dividend growth is 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 (5/1/2026, 8:12:28 PM)

22.93

-0.03 (-0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-28
Earnings (Next)08-03
Inst Owners28.61%
Inst Owner Change-0.25%
Ins Owners12.61%
Ins Owner Change0.46%
Market Cap104.10M
Revenue(TTM)48.66M
Net Income(TTM)9.02M
Analysts0
Price TargetN/A
Short Float %0.16%
Short Ratio0.79
Dividend
Industry RankSector Rank
Dividend Yield 1.74%
Yearly Dividend0.4
Dividend Growth(5Y)9.32%
DP0%
Div Incr Years0
Div Non Decr Years11
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 11.52
Fwd PE N/A
P/S 2.14
P/FCF N/A
P/OCF N/A
P/B 1.3
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)1.99
EY8.68%
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)0.83
Graham Number28.0973 (22.54%)
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
WACC17.3%
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.


Can you provide the profitability details for BANK OF THE JAMES FINANCIAL?

BANK OF THE JAMES FINANCIAL (BOTJ) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for BOTJ stock?

The Price/Earnings (PE) ratio for BANK OF THE JAMES FINANCIAL (BOTJ) is 11.52 and the Price/Book (PB) ratio is 1.3.


Can you provide the dividend sustainability for BOTJ stock?

The dividend rating of BANK OF THE JAMES FINANCIAL (BOTJ) is 5 / 10 and the dividend payout ratio is 0%.