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

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $90.82 million. The enterprise value is $15.01 million.

Market Cap	90.82M
Enterprise Value	15.01M

Important Dates

The next estimated earnings date is Wednesday, April 29, 2026.

Earnings Date	Apr 29, 2026
Ex-Dividend Date	Feb 17, 2026

Share Statistics

BOTJ has 4.54 million shares outstanding.

Current Share Class	4.54M
Shares Outstanding	4.54M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	14.14%
Owned by Institutions (%)	22.01%
Float	3.50M

Valuation Ratios

The trailing PE ratio is 10.00.

PE Ratio	10.00
Forward PE	n/a
PS Ratio	1.86
Forward PS	n/a
PB Ratio	1.13
P/TBV Ratio	1.26
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	1.66
EV / Sales	0.31
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.45%.

Return on Equity (ROE)	12.45%
Return on Assets (ROA)	0.89%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.55%
Revenue Per Employee	$278,251
Profits Per Employee	$51,554
Employee Count	175
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BOTJ has paid $2.12 million in taxes.

Income Tax	2.12M
Effective Tax Rate	19.05%

Stock Price Statistics

The stock price has increased by +55.93% in the last 52 weeks. The beta is 0.14, so BOTJ's price volatility has been lower than the market average.

Beta (5Y)	0.14
52-Week Price Change	+55.93%
50-Day Moving Average	19.42
200-Day Moving Average	16.43
Relative Strength Index (RSI)	51.41
Average Volume (20 Days)	5,720

Short Selling Information

The latest short interest is 4,667, so 0.10% of the outstanding shares have been sold short.

Short Interest	4,667
Short Previous Month	4,788
Short % of Shares Out	0.10%
Short % of Float	0.13%
Short Ratio (days to cover)	1.15

Income Statement

In the last 12 months, BOTJ had revenue of $48.69 million and earned $9.02 million in profits. Earnings per share was $1.99.

Revenue	48.69M
Gross Profit	48.69M
Operating Income	12.22M
Pretax Income	11.15M
Net Income	9.02M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.99

Balance Sheet

The company has $84.48 million in cash and $8.80 million in debt, with a net cash position of $75.68 million or $16.66 per share.

Cash & Cash Equivalents	84.48M
Total Debt	8.80M
Net Cash	75.68M
Net Cash Per Share	$16.66
Equity (Book Value)	80.05M
Book Value Per Share	17.62
Working Capital	-846.97M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	25.10%
Pretax Margin	22.89%
Profit Margin	18.53%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.00%.

Dividend Per Share	$0.40
Dividend Yield	2.00%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	20.14%
Buyback Yield	n/a
Shareholder Yield	2.00%
Earnings Yield	9.95%
FCF Yield	n/a

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 24, 2021. It was a forward split with a ratio of 1.1:1.

Last Split Date	Jun 24, 2021
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2