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

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $105.41 million. The enterprise value is $32.98 million.

Market Cap	105.41M
Enterprise Value	32.98M

Important Dates

The next estimated earnings date is Thursday, April 30, 2026.

Earnings Date	Apr 30, 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 (%)	21.93%
Float	3.50M

Valuation Ratios

The trailing PE ratio is 11.68.

PE Ratio	11.68
Forward PE	n/a
PS Ratio	2.16
Forward PS	n/a
PB Ratio	1.32
P/TBV Ratio	1.47
P/FCF Ratio	10.04
P/OCF Ratio	9.04
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	3.66
EV / Sales	0.68
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	3.14

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.16
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)	4.40%
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 +68.73% in the last 52 weeks. The beta is 0.12, so BOTJ's price volatility has been lower than the market average.

Beta (5Y)	0.12
52-Week Price Change	+68.73%
50-Day Moving Average	20.98
200-Day Moving Average	17.49
Relative Strength Index (RSI)	68.77
Average Volume (20 Days)	10,751

Short Selling Information

The latest short interest is 5,427, so 0.12% of the outstanding shares have been sold short.

Short Interest	5,427
Short Previous Month	6,363
Short % of Shares Out	0.12%
Short % of Float	0.16%
Short Ratio (days to cover)	1.00

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 $84.57 million in cash and $12.15 million in debt, with a net cash position of $72.42 million or $15.94 per share.

Cash & Cash Equivalents	84.57M
Total Debt	12.15M
Net Cash	72.42M
Net Cash Per Share	$15.94
Equity (Book Value)	80.05M
Book Value Per Share	17.62
Working Capital	-847.56M

Cash Flow

In the last 12 months, operating cash flow was $11.66 million and capital expenditures -$1.17 million, giving a free cash flow of $10.50 million.

Operating Cash Flow	11.66M
Capital Expenditures	-1.17M
Depreciation & Amortization	n/a
Net Borrowing	-11.01M
Free Cash Flow	10.50M
FCF Per Share	$2.31

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	21.55%

Dividends & Yields

This stock pays an annual dividend of $0.44, which amounts to a dividend yield of 1.90%.

Dividend Per Share	$0.44
Dividend Yield	1.90%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	20.14%
Buyback Yield	n/a
Shareholder Yield	1.90%
Earnings Yield	8.56%
FCF Yield	9.96%

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