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

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $72.24 million. The enterprise value is $3.32 million.

Market Cap	72.24M
Enterprise Value	3.32M

Important Dates

The next estimated earnings date is Friday, October 24, 2025.

Earnings Date	Oct 24, 2025
Ex-Dividend Date	Sep 12, 2025

Share Statistics

BOTJ has 4.54 million shares outstanding. The number of shares has increased by 0.00% in one year.

Current Share Class	4.54M
Shares Outstanding	4.54M
Shares Change (YoY)	+0.00%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	14.03%
Owned by Institutions (%)	23.10%
Float	3.82M

Valuation Ratios

The trailing PE ratio is 10.05.

PE Ratio	10.05
Forward PE	n/a
PS Ratio	1.54
Forward PS	n/a
PB Ratio	1.00
P/TBV Ratio	1.14
P/FCF Ratio	8.43
P/OCF Ratio	6.41
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	0.46
EV / Sales	0.07
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	0.39

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.05
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.73%.

Return on Equity (ROE)	10.73%
Return on Assets (ROA)	0.72%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$265,891
Profits Per Employee	$40,886
Employee Count	175
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BOTJ has paid $1.82 million in taxes.

Income Tax	1.82M
Effective Tax Rate	20.25%

Stock Price Statistics

The stock price has increased by +21.60% in the last 52 weeks. The beta is 0.29, so BOTJ's price volatility has been lower than the market average.

Beta (5Y)	0.29
52-Week Price Change	+21.60%
50-Day Moving Average	15.01
200-Day Moving Average	14.19
Relative Strength Index (RSI)	61.89
Average Volume (20 Days)	1,766

Short Selling Information

The latest short interest is 3,712, so 0.08% of the outstanding shares have been sold short.

Short Interest	3,712
Short Previous Month	3,574
Short % of Shares Out	0.08%
Short % of Float	0.10%
Short Ratio (days to cover)	1.21

Income Statement

In the last 12 months, BOTJ had revenue of $46.53 million and earned $7.16 million in profits. Earnings per share was $1.57.

Revenue	46.53M
Gross Profit	46.53M
Operating Income	10.00M
Pretax Income	8.97M
Net Income	7.16M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.57

Balance Sheet

The company has $77.91 million in cash and $8.99 million in debt, giving a net cash position of $68.92 million or $15.17 per share.

Cash & Cash Equivalents	77.91M
Total Debt	8.99M
Net Cash	68.92M
Net Cash Per Share	$15.17
Equity (Book Value)	71.67M
Book Value Per Share	15.77
Working Capital	-830.64M

Cash Flow

In the last 12 months, operating cash flow was $11.27 million and capital expenditures -$2.71 million, giving a free cash flow of $8.57 million.

Operating Cash Flow	11.27M
Capital Expenditures	-2.71M
Free Cash Flow	8.57M
FCF Per Share	$1.89

Margins

Gross Margin	n/a
Operating Margin	21.49%
Pretax Margin	19.28%
Profit Margin	15.38%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	18.41%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.53%.

Dividend Per Share	$0.40
Dividend Yield	2.53%
Dividend Growth (YoY)	5.26%
Years of Dividend Growth	4
Payout Ratio	25.40%
Buyback Yield	-0.00%
Shareholder Yield	2.53%
Earnings Yield	9.90%
FCF Yield	11.86%

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	4