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

Splunk Statistics

Total Valuation

BOTJ has a market cap or net worth of $60.15 million. The enterprise value is -$15.62 million.

Market Cap	60.15M
Enterprise Value	-15.62M

Important Dates

The next estimated earnings date is Tuesday, August 12, 2025.

Earnings Date	Aug 12, 2025
Ex-Dividend Date	Sep 12, 2025

Share Statistics

BOTJ has 4.54 million shares outstanding. The number of shares has decreased 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 (%)	13.91%
Owned by Institutions (%)	22.60%
Float	3.83M

Valuation Ratios

The trailing PE ratio is 9.43.

PE Ratio	9.43
Forward PE	n/a
PS Ratio	1.38
Forward PS	n/a
PB Ratio	0.91
P/TBV Ratio	1.01
P/FCF Ratio	7.70
P/OCF Ratio	5.73
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
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	2.46
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.25%.

Return on Equity (ROE)	10.25%
Return on Assets (ROA)	0.66%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$257,617
Profits Per Employee	$37,709
Employee Count	175
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BOTJ has paid $1.64 million in taxes.

Income Tax	1.64M
Effective Tax Rate	19.92%

Stock Price Statistics

The stock price has decreased by -2.65% 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	-2.65%
50-Day Moving Average	14.05
200-Day Moving Average	14.00
Relative Strength Index (RSI)	43.15
Average Volume (20 Days)	1,784

Short Selling Information

The latest short interest is 7,258, so 0.16% of the outstanding shares have been sold short.

Short Interest	7,258
Short Previous Month	6,855
Short % of Shares Out	0.16%
Short % of Float	0.19%
Short Ratio (days to cover)	0.61

Income Statement

In the last 12 months, BOTJ had revenue of $45.08 million and earned $6.60 million in profits. Earnings per share was $1.45.

Revenue	45.08M
Gross Profit	45.08M
Operating Income	9.27M
Pretax Income	10.53M
Net Income	6.60M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.45

Balance Sheet

The company has $94.97 million in cash and $19.20 million in debt, giving a net cash position of $75.77 million or $16.68 per share.

Cash & Cash Equivalents	94.97M
Total Debt	19.20M
Net Cash	75.77M
Net Cash Per Share	$16.68
Equity (Book Value)	68.35M
Book Value Per Share	15.04
Working Capital	-814.44M

Cash Flow

In the last 12 months, operating cash flow was $10.50 million and capital expenditures -$2.69 million, giving a free cash flow of $7.81 million.

Operating Cash Flow	10.50M
Capital Expenditures	-2.69M
Free Cash Flow	7.81M
FCF Per Share	$1.72

Margins

Gross Margin	n/a
Operating Margin	20.57%
Pretax Margin	18.28%
Profit Margin	14.64%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	17.32%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 3.02%.

Dividend Per Share	$0.40
Dividend Yield	3.02%
Dividend Growth (YoY)	5.26%
Years of Dividend Growth	4
Payout Ratio	27.54%
Buyback Yield	0.00%
Shareholder Yield	3.03%
Earnings Yield	10.97%
FCF Yield	12.98%

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