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Bank of the James Financial Group, Inc. (BOTJ)

Stock Price: $12.81 USD 0.26 (2.07%)
Updated November 27, 1:00 PM EST - Market closed

Stock Price Chart

Key Info

Market Cap 55.58M
Revenue (ttm) 32.11M
Net Income (ttm) 4.79M
Shares Out 4.34M
EPS (ttm) 1.10
PE Ratio 11.65
Forward PE n/a
Dividend $0.28
Dividend Yield 2.19%

Stock Quote

Trading Day November 27
Last Price $12.81
Previous Close $12.55
Change ($) 0.26
Change (%) 2.07%
Day's Open 12.61
Day's Range 12.56 - 12.85
Day's Volume 3,518
52-Week Range 8.00 - 16.15

More Stats

Market Cap 55.58M
Enterprise Value n/a
Earnings Date (est) n/a
Ex-Dividend Date Nov 25, 2020
Shares Outstanding 4.34M
Float 3.85M
EPS (basic) 1.11
EPS (diluted) 1.10
FCF / Share -0.05
Dividend $0.28
Dividend Yield 2.19%
Earnings Yield 8.59%
FCF Yield n/a
Payout Ratio 27.90%
Shares Short 3,983
Short Ratio 0.44
Short % of Float 0.10%
Beta 1.12
PE Ratio 11.65
Forward PE n/a
P/FCF Ratio n/a
PS Ratio 1.73
PB Ratio 0.83
Revenue 32.11M
Operating Income 7.19M
Net Income 4.79M
Free Cash Flow -214,000
Net Cash 85.02M
Net Cash / Share 19.59
Gross Margin 97.21%
Operating Margin 22.39%
Profit Margin 14.90%
FCF Margin -0.67%
ROA 0.62%
ROE 7.55%
ROIC 0.80%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$n/a*
*No analysts have provided price targets for this stock.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue31.2227.7024.4122.4121.5219.9418.9317.0714.2015.94
Revenue Growth12.72%13.48%8.92%4.11%7.96%5.33%10.9%20.18%-10.89%-
Gross Profit31.2227.7024.4122.4121.5219.9418.9317.0714.2015.94
Operating Income8.227.715.364.815.344.704.102.680.512.43
Net Income5.615.302.923.293.693.413.062.130.601.82
Shares Outstanding4.384.384.384.383.453.373.353.343.323.30
Earnings Per Share1.281.210.670.751.071.010.910.640.180.55
EPS Growth5.79%80.6%-10.67%-29.91%5.94%10.99%42.19%255.56%-67.27%-
Dividend Per Share0.280.180.240.240.220.15----
Dividend Growth55.56%-25%0%9.09%46.67%-----
Operating Cash Flow5.598.576.722.793.355.634.795.057.127.72
Capital Expenditures-4.40-2.30-1.96-1.71-1.54-1.34-0.81-0.42-0.71-0.30
Free Cash Flow1.196.274.761.081.814.283.994.636.417.42
Cash & Equivalents39.1150.3337.0228.6828.6612.7416.6741.0023.3418.76
Total Debt5.005.005.00-10.0025.1916.1112.0025.3824.33
Net Cash / Debt34.1145.3332.0228.6818.66-12.450.5629.00-2.04-5.57
Assets725675626574527461435441427419
Liabilities664620575525479426405412401393
Book Value61.4555.1451.6749.4248.2034.7829.7729.6126.8125.50
Numbers in millions USD, except per-share numbers.

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 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 three residential mortgage loan production office. The company was incorporated in 1998 and is headquartered in Lynchburg, Virginia.