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

NASDAQ: BOTJ · IEX Real-Time Price · USD
10.36
-0.09 (-0.81%)
At close: Mar 28, 2024, 4:00 PM
10.16
-0.20 (-1.93%)
After-hours: Mar 28, 2024, 4:37 PM EDT

Total Valuation

BOTJ has a market cap or net worth of $47.71 million. The enterprise value is -$31.75 million.

Market Cap 47.71M
Enterprise Value -31.75M

Important Dates

The next estimated earnings date is Friday, April 19, 2024.

Earnings Date Apr 19, 2024
Ex-Dividend Date Feb 29, 2024

Share Statistics

BOTJ has 4.54 million shares outstanding. The number of shares has decreased by -2.99% in one year.

Shares Outstanding 4.54M
Shares Change (YoY) -2.99%
Shares Change (QoQ) -0.04%
Owned by Insiders (%) 15.43%
Owned by Institutions (%) 23.84%
Float 3.84M

Valuation Ratios

The trailing PE ratio is 5.51.

PE Ratio 5.51
Forward PE n/a
PS Ratio 1.10
Forward PS n/a
PB Ratio 0.95
P/FCF Ratio 5.82
PEG Ratio n/a
Financial Ratio History

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 0.40
Debt / EBITDA 1.51
Debt / FCF 2.45
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 16.70% and return on invested capital (ROIC) is 12.73%.

Return on Equity (ROE) 16.70%
Return on Assets (ROA) 0.90%
Return on Capital (ROIC) 12.73%
Revenue Per Employee $265,840
Profits Per Employee $52,454
Employee Count 163
Asset Turnover 0.05
Inventory Turnover n/a

Taxes

In the past 12 months, BOTJ has paid $2.07 million in taxes.

Income Tax 2.07M
Effective Tax Rate 19.51%

Stock Price Statistics

The stock price has decreased by -11.53% in the last 52 weeks. The beta is 0.74, so BOTJ's price volatility has been lower than the market average.

Beta (1Y) 0.74
52-Week Price Change -11.53%
50-Day Moving Average 11.52
200-Day Moving Average 10.73
Relative Strength Index (RSI) 26.11
Average Volume (30 Days) 3,729

Short Selling Information

The latest short interest is 3,890, so 0.09% of the outstanding shares have been sold short.

Short Interest 3,890
Short Previous Month 3,194
Short % of Shares Out 0.09%
Short % of Float 0.10%
Short Ratio (days to cover) 2.04

Income Statement

In the last 12 months, BOTJ had revenue of $43.33 million and earned $8.55 million in profits. Earnings per share was $1.88.

Revenue 43.33M
Gross Profit 43.33M
Operating Income 11.10M
Pretax Income 10.62M
Net Income 8.55M
EBITDA 13.29M
EBIT 10.62M
Earnings Per Share (EPS) $1.88
Full Income Statement

Balance Sheet

The company has $99.53 million in cash and $20.07 million in debt, giving a net cash position of $79.46 million or $17.49 per share.

Cash & Cash Equivalents 99.53M
Total Debt 20.07M
Net Cash 79.46M
Net Cash Per Share $17.49
Equity / Book Value 50.13M
Book Value Per Share 11.03
Working Capital n/a
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $9.92 million and capital expenditures -$1.72 million, giving a free cash flow of $8.20 million.

Operating Cash Flow 9.92M
Capital Expenditures -1.72M
Free Cash Flow 8.20M
FCF Per Share $1.81
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 25.62% and 19.73%.

Gross Margin 100.00%
Operating Margin 25.62%
Pretax Margin 24.52%
Profit Margin 19.73%
EBITDA Margin 30.67%
EBIT Margin 24.52%
FCF Margin 18.92%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 3.86%.

Dividend Per Share $0.40
Dividend Yield 3.86%
Dividend Growth (YoY) 13.33%
Years of Dividend Growth 4
Payout Ratio 21.28%
Buyback Yield 2.99%
Shareholder Yield 6.86%
Earnings Yield 17.92%
FCF Yield 17.19%
Dividend Details

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

Stock Splits

The last stock split was on June 24, 2021. It was a forward split with a ratio of 11:10.

Last Split Date Jun 24, 2021
Split Type Forward
Split Ratio 11:10

Scores

Altman Z-Score n/a
Piotroski F-Score 6