Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
13.77
-0.11 (-0.79%)
Jun 27, 2025, 4:00 PM - Market closed

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $62.56 million. The enterprise value is -$13.21 million.

Market Cap 62.56M
Enterprise Value -13.21M

Important Dates

The next estimated earnings date is Friday, July 25, 2025.

Earnings Date Jul 25, 2025
Ex-Dividend Date Jun 6, 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 9.56.

PE Ratio 9.56
Forward PE n/a
PS Ratio 1.40
Forward PS n/a
PB Ratio 0.92
P/TBV Ratio 1.05
P/FCF Ratio 8.01
P/OCF Ratio 5.96
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 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 increased by +27.68% in the last 52 weeks. The beta is 0.33, so BOTJ's price volatility has been lower than the market average.

Beta (5Y) 0.33
52-Week Price Change +27.68%
50-Day Moving Average 14.06
200-Day Moving Average 13.98
Relative Strength Index (RSI) 42.43
Average Volume (20 Days) 12,381

Short Selling Information

The latest short interest is 8,402, so 0.18% of the outstanding shares have been sold short.

Short Interest 8,402
Short Previous Month 7,883
Short % of Shares Out 0.18%
Short % of Float 0.22%
Short Ratio (days to cover) 3.43

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
Full Income Statement

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
Full Balance Sheet

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
Full Cash Flow Statement

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 2.91%.

Dividend Per Share $0.40
Dividend Yield 2.91%
Dividend Growth (YoY) 11.11%
Years of Dividend Growth 4
Payout Ratio 27.54%
Buyback Yield 0.00%
Shareholder Yield 2.91%
Earnings Yield 10.55%
FCF Yield 12.48%
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

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