Bank of the James Financial Group, Inc. operates as the mpany for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the Unites States. More Details
Flawless balance sheet and fair value.
Share Price & News
How has Bank of the James Financial Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BOTJ is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: BOTJ's weekly volatility (5%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: BOTJ exceeded the US Banks industry which returned 55.4% over the past year.
Return vs Market: BOTJ exceeded the US Market which returned 39.4% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Bank of the James Financial Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StBank of the James Financial Group (NASDAQ:BOTJ) Has Affirmed Its Dividend Of US$0.07
3 weeks ago | Simply Wall StIs It Smart To Buy Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) Before It Goes Ex-Dividend?
1 month ago | Simply Wall StIf You Like EPS Growth Then Check Out Bank of the James Financial Group (NASDAQ:BOTJ) Before It's Too Late
Is Bank of the James Financial Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BOTJ ($18.75) is trading below our estimate of fair value ($23.46)
Significantly Below Fair Value: BOTJ is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BOTJ is poor value based on its PE Ratio (14x) compared to the US Banks industry average (12x).
PE vs Market: BOTJ is good value based on its PE Ratio (14x) compared to the US market (19.4x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BOTJ's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BOTJ is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.1x).
How is Bank of the James Financial Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bank of the James Financial Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Bank of the James Financial Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BOTJ has high quality earnings.
Growing Profit Margin: BOTJ's current net profit margins (16.5%) are lower than last year (17%).
Past Earnings Growth Analysis
Earnings Trend: BOTJ's earnings have grown by 12.3% per year over the past 5 years.
Accelerating Growth: BOTJ's earnings growth over the past year (8.5%) is below its 5-year average (12.3% per year).
Earnings vs Industry: BOTJ earnings growth over the past year (8.5%) underperformed the Banks industry 20.7%.
Return on Equity
High ROE: BOTJ's Return on Equity (8.9%) is considered low.
How is Bank of the James Financial Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BOTJ's Assets to Equity ratio (13.6x) is moderate.
Allowance for Bad Loans: BOTJ has a sufficient allowance for bad loans (362%).
Low Risk Liabilities: 98% of BOTJ's liabilities are made up of primarily low risk sources of funding.
Loan Level: BOTJ has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: BOTJ's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: BOTJ has an appropriate level of bad loans (0.3%).
What is Bank of the James Financial Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BOTJ's dividend (1.49%) is higher than the bottom 25% of dividend payers in the US market (1.29%).
High Dividend: BOTJ's dividend (1.49%) is low compared to the top 25% of dividend payers in the US market (3.43%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, BOTJ has been paying a dividend for less than 10 years.
Growing Dividend: BOTJ's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (20.9%), BOTJ's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Bank of the James Financial Group has no CEO, or we have no data on them.
Experienced Management: BOTJ's management team is seasoned and experienced (17.4 years average tenure).
Experienced Board: BOTJ's board of directors are seasoned and experienced ( 14.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BOTJ insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bank of the James Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Bank of the James Financial Group, Inc.
- Ticker: BOTJ
- Exchange: NasdaqCM
- Founded: 1998
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$81.091m
- Shares outstanding: 4.32m
- Website: https://www.bankofthejames.bank
Number of Employees
- Bank of the James Financial Group, Inc.
- 828 Main Street
- United States
Bank of the James Financial Group, Inc. operates as the mpany for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/06/19 22:14|
|End of Day Share Price||2021/06/18 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.