Bank of the James Financial Group, Inc. (BOTJ)
Stock Price Chart
Key Info
| Market Cap | 45.86M |
| Revenue (ttm) | 31.76M |
| Net Income (ttm) | 5.37M |
| Shares Out | 4.34M |
| EPS (ttm) | 1.10 |
| PE Ratio | 9.61 |
| Forward PE | n/a |
| Dividend | $0.28 |
| Dividend Yield | 2.65% |
Stock Quote
| Trading Day | Aug 10, 2020 |
| Last Price | $10.57 |
| Previous Close | $10.31 |
| Change ($) | 0.26 |
| Change (%) | 2.52% |
| Day's Open | 10.37 |
| Day's Range | 10.37 - 10.60 |
| Day's Volume | 2,497 |
| 52-Week Range | 8.00 - 16.15 |
More Stats
| Market Cap | 45.86M |
| Enterprise Value | n/a |
| Earnings Date (est) | n/a |
| Ex-Dividend Date | Jun 4, 2020 |
| Shares Outstanding | 4.34M |
| Float | 3.43M |
| EPS (basic) | 1.23 |
| EPS (diluted) | 1.10 |
| FCF / Share | 0.37 |
| Dividend | $0.28 |
| Dividend Yield | 2.65% |
| Earnings Yield | 10.41% |
| FCF Yield | 3.46% |
| Payout Ratio | 23.60% |
| Shares Short | 113 |
| Short Ratio | 0.11 |
| Short % of Float | 0.01% |
| Beta | 1.09 |
| PE Ratio | 9.61 |
| Forward PE | n/a |
| P/FCF Ratio | 28.86 |
| PS Ratio | 1.44 |
| PB Ratio | 0.69 |
| Revenue | 31.76M |
| Operating Income | 7.92M |
| Net Income | 5.37M |
| Free Cash Flow | 1.59M |
| Net Cash | 59.20M |
| Net Cash / Share | 13.64 |
| Gross Margin | 98.28% |
| Operating Margin | 24.93% |
| Profit Margin | 17.00% |
| FCF Margin | 5.00% |
| ROA | 0.63% |
| ROE | 7.78% |
| ROIC | 1.00% |
Analyst Summary
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 31.22 | 27.70 | 24.41 | 22.41 | 21.52 | 19.94 | 18.93 | 17.07 | 14.20 | 15.94 |
| Revenue Growth | 12.72% | 13.48% | 8.92% | 4.11% | 7.96% | 5.33% | 10.9% | 20.18% | -10.89% | - |
| Gross Profit | 31.22 | 27.70 | 24.41 | 22.41 | 21.52 | 19.94 | 18.93 | 17.07 | 14.20 | 15.94 |
| Operating Income | 8.22 | 7.71 | 5.36 | 4.81 | 5.34 | 4.70 | 4.10 | 2.68 | 0.51 | 2.43 |
| Net Income | 5.61 | 5.30 | 2.92 | 3.29 | 3.69 | 3.41 | 3.06 | 2.13 | 0.60 | 1.82 |
| Shares Outstanding | 4.38 | 4.38 | 4.38 | 4.38 | 3.45 | 3.37 | 3.35 | 3.34 | 3.32 | 3.30 |
| Earnings Per Share | 1.28 | 1.21 | 0.67 | 0.75 | 1.07 | 1.01 | 0.91 | 0.64 | 0.18 | 0.55 |
| EPS Growth | 5.79% | 80.6% | -10.67% | -29.91% | 5.94% | 10.99% | 42.19% | 255.56% | -67.27% | - |
| Dividend Per Share | 0.28 | 0.24 | 0.24 | 0.24 | 0.22 | 0.15 | - | - | - | - |
| Dividend Growth | 16.67% | 0% | 0% | 9.09% | 46.67% | - | - | - | - | - |
| Operating Cash Flow | 5.59 | 8.57 | 6.72 | 2.79 | 3.35 | 5.63 | 4.79 | 5.05 | 7.12 | 7.72 |
| Capital Expenditures | -4.40 | -2.30 | -1.96 | -1.71 | -1.54 | -1.34 | -0.81 | -0.42 | -0.71 | -0.30 |
| Free Cash Flow | 1.19 | 6.27 | 4.76 | 1.08 | 1.81 | 4.28 | 3.99 | 4.63 | 6.41 | 7.42 |
| Cash & Equivalents | 39.11 | 50.33 | 37.02 | 28.68 | 28.66 | 12.74 | 16.67 | 41.00 | 23.34 | 18.76 |
| Total Debt | 5.00 | 5.00 | 5.00 | - | 10.00 | 25.19 | 16.11 | 12.00 | 25.38 | 24.33 |
| Net Cash / Debt | 34.11 | 45.33 | 32.02 | 28.68 | 18.66 | -12.45 | 0.56 | 29.00 | -2.04 | -5.57 |
| Assets | 725 | 675 | 626 | 574 | 527 | 461 | 435 | 441 | 427 | 419 |
| Liabilities | 664 | 620 | 575 | 525 | 479 | 426 | 405 | 412 | 401 | 393 |
| Book Value | 61.45 | 55.14 | 51.67 | 49.42 | 48.20 | 34.78 | 29.77 | 29.61 | 26.81 | 25.50 |
Company Profile
Company Details
| Full Name | Bank of the James Financial Group, Inc. |
| Country | United States |
| Employees | 155 |
| CEO | Robert R. Chapman |
Stock Information
| Ticker Symbol | BOTJ |
| Stock Exchange | NASDAQ |
| Sector | Financial Services |
| Industry | Banks—Regional |
| Unique Identifier | NASDAQ: BOTJ |
Description
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the Unites States. It accepts checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it provides other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company offers securities brokerage and investment services; and telephone and Internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. It operates 16 full service locations, two limited service branches, and one residential mortgage loan production office. The company was founded in 1998 and is headquartered in Lynchburg, Virginia.