Bank of the James Financial Group, Inc. (BOTJ)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 35 | 37 | 42 | 42 | 44 | 49 | 48 | - |
| Operating profit | $m | 11 | 10 | ||||||
| Net profit | $m | 5 | 8 | 9 | 9 | 8 | 9 | 11 | - |
| EPS reported | $ | 1.99 | 2.53 | ||||||
| Operating cashflow per share | $ | 2.57 | 2.78 | ||||||
| Capex per share | $ | 0.26 | 0.03 | ||||||
| FCF per share | $ | 2.31 | 2.80 | ||||||
| Free cash flow | $m | 10 | 13 | ||||||
| Net debt | $m | -76 | -253 | ||||||
| Book value equity | $m | 80 | 83 | ||||||
| Book value per share | $ | 17.62 | 18.30 | ||||||
| Number of shares | m | 4.54 | 4.54 | ||||||
| DPS (TTM paid) | $ | 0.40 | 0.40 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.34 | 10.75 | ||||||
| P/B LTM | x | 1.05 | 1.02 | ||||||
| P/S LTM | x | 1.73 | 1.77 | ||||||
| P/FCF LTM | x | 8.04 | 6.63 | ||||||
| EV/EBITDA LTM | x | 5.19 | 5.80 | ||||||
| EV/Sales LTM | x | 1.03 | 1.80 | ||||||
| Earnings Yield LTM | % | +10.71% | +9.30% | ||||||
| FCF Yield | % | +12.43% | +15.08% | ||||||
| Quality | |||||||||
| ROE | % | +11.27% | +14.30% | ||||||
| ROIC | % | +0.87% | +0.80% | ||||||
| Operating margin | % | +17.83% | +16.96% | ||||||
| Gross margin | % | +77.90% | +77.26% | ||||||
| FCF/Sales | % | +16.79% | +20.98% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +13.71% | +44.57% | ||||||
| Sales Growth YoY | % | +11.71% | +9.24% | ||||||
| Net Income Growth YoY | % | +13.57% | +44.62% | ||||||
| FCF Growth | % | +76.12% | +113.61% | ||||||
| Operating Profit Growth | % | +12.31% | +3.71% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.15% | +1.45% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +20.10% | +15.80% | ||||||
| FCF/Debt | x | 1.19 | 1.47 | ||||||
| Net Debt/EBITDA | x | -1.58 | -1.43 | ||||||
| EBIT/Net interest | x | 0.80 | 0.79 | ||||||
| Net debt/market cap | % | +10.42% | +6.91% | ||||||
| Net debt/Equity | x | -0.95 | -3.04 | ||||||
| Gross debt/equity | x | 0.11 | 0.10 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Bank of the James Financial Group, Inc. (BOTJ)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.
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