NasdaqCM:BOTJ

Stock Analysis Report

Bank of the James Financial Group

Executive Summary

Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Bank of the James Financial Group is not covered by any analysts.

Similar Companies

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


Market Performance


7 Day Return

-2.6%

NasdaqCM:BOTJ

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-9.1%

NasdaqCM:BOTJ

-16.1%

US Banks

-3.0%

US Market

BOTJ outperformed the Banks industry which returned -16.1% over the past year.

BOTJ underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

BOTJIndustryMarket
7 Day-2.6%-1.8%-1.6%
30 Day-1.6%-10.1%-5.7%
90 Day2.8%-5.0%0.2%
1 Year-7.5%-9.1%-13.7%-16.1%-0.8%-3.0%
3 Year21.8%15.9%37.9%28.5%38.1%29.1%
5 Year76.9%61.9%49.3%33.2%50.8%34.1%

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

Valuation

Is Bank of the James Financial Group undervalued based on future cash flows and its price relative to the stock market?

11.58x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Bank of the James Financial Group's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Bank of the James Financial Group's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Bank of the James Financial Group is good value based on earnings compared to the US Banks industry average.

Bank of the James Financial Group is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Bank of the James Financial Group, we can't assess if its growth is good value.


Price Based on Value of Assets

Bank of the James Financial Group is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Bank of the James Financial Group expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

7.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Bank of the James Financial Group is high growth as no revenue estimate data is available.

Bank of the James Financial Group's earnings are expected to grow by 7% yearly, however this is not considered high growth (20% yearly).

Unable to compare Bank of the James Financial Group's revenue growth to the United States of America market average as no estimate data is available.

Bank of the James Financial Group's earnings growth is positive but not above the United States of America market average.

Bank of the James Financial Group's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Bank of the James Financial Group will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Bank of the James Financial Group performed over the past 5 years?

7.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Bank of the James Financial Group's year on year earnings growth rate has been positive over the past 5 years.

Bank of the James Financial Group's 1-year earnings growth exceeds its 5-year average (44.6% vs 7.5%)

Bank of the James Financial Group's earnings growth has exceeded the US Banks industry average in the past year (44.6% vs 33.1%).


Return on Equity

Bank of the James Financial Group has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Bank of the James Financial Group used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Bank of the James Financial Group improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Bank of the James Financial Group has an acceptable proportion of non-loan assets held.

Bank of the James Financial Group has a sufficient allowance for bad loans.

Bank of the James Financial Group's liabilities are made up of primarily low risk sources of funding.

Bank of the James Financial Group's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Bank of the James Financial Group are broadly funded by customer deposits.

Bank of the James Financial Group has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Bank of the James Financial Group's current dividend yield, its reliability and sustainability?

1.65%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Bank of the James Financial Group before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Bank of the James Financial Group's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Bank of the James Financial Group's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Whilst dividend payments have been stable, Bank of the James Financial Group has been paying a dividend for less than 10 years.

Dividend payments have increased, but Bank of the James Financial Group only paid a dividend in the past 5 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (5.2x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Bank of the James Financial Group's salary, the management and board of directors tenure and is there insider trading?

13.6yrs

Average management tenure


CEO

Bob Chapman (56yo)

0.0yrs

Tenure

US$476,226

Compensation

Mr. Robert R. Chapman, III has been the President of Bank of the James Financial Group Inc. since January 2004. Mr. Chapman also has been the Chief Executive Officer and President of Bank of the James (the ...


CEO Compensation Analysis

Bob's remuneration is about average for companies of similar size in United States of America.

Bob's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

13.6yrs

Average Tenure

52yo

Average Age

The average tenure for the Bank of the James Financial Group management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

13.0yrs

Average Tenure

58.5yo

Average Age

The average tenure for the Bank of the James Financial Group board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

More shares have been bought than sold by Bank of the James Financial Group individual insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

BuyUS$1,15414 Aug 19
Robert Chapman
EntityIndividual
Role
Chief Executive Officer
President & Director
Shares77
Max PriceUS$14.99
BuyUS$5,42214 Aug 19
Watt Foster
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares362
Max PriceUS$14.98
BuyUS$4,41014 Aug 19
William Bryant
EntityIndividual
Role
Member of the Board of Directors
Director
Shares295
Max PriceUS$14.95
BuyUS$5,74423 May 19
Lydia Langley
EntityIndividual
Shares400
Max PriceUS$14.36
BuyUS$1,11617 May 19
William Bryant
EntityIndividual
Role
Member of the Board of Directors
Director
Shares76
Max PriceUS$14.69
BuyUS$14,70014 May 19
Julie Doyle
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares1,000
Max PriceUS$14.70
BuyUS$71,86002 May 19
Lydia Langley
EntityIndividual
Shares5,000
Max PriceUS$14.39
BuyUS$1,43602 May 19
William Bryant
EntityIndividual
Role
Member of the Board of Directors
Director
Shares100
Max PriceUS$14.36
BuyUS$2,82002 May 19
Lewis Addison
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares200
Max PriceUS$14.10
BuyUS$1,13926 Apr 19
Robert Chapman
EntityIndividual
Role
Chief Executive Officer
President & Director
Shares77
Max PriceUS$14.79
BuyUS$5,10826 Apr 19
Watt Foster
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares355
Max PriceUS$14.39
BuyUS$1,52026 Apr 19
William Bryant
EntityIndividual
Role
Member of the Board of Directors
Director
Shares103
Max PriceUS$14.76
BuyUS$14,99527 Feb 19
William Bryant
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,000
Max PriceUS$15.00
BuyUS$5,64004 Feb 19
Lydia Langley
EntityIndividual
Shares400
Max PriceUS$14.10
BuyUS$107,76028 Jan 19
Lydia Langley
EntityIndividual
Shares7,600
Max PriceUS$14.30
BuyUS$7,05028 Jan 19
John Alford
EntityIndividual
Role
Member of the Board of Directors
Director
Shares500
Max PriceUS$14.10
BuyUS$1,45228 Jan 19
William Bryant
EntityIndividual
Role
Member of the Board of Directors
Director
Shares104
Max PriceUS$13.96
BuyUS$5,28128 Jan 19
Watt Foster
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares377
Max PriceUS$14.01
BuyUS$1,11928 Jan 19
Robert Chapman
EntityIndividual
Role
Chief Executive Officer
President & Director
Shares80
Max PriceUS$13.99
BuyUS$5,63226 Nov 18
Robert Chapman
EntityIndividual
Role
Chief Executive Officer
President & Director
Shares400
Max PriceUS$14.10
BuyUS$4,49729 Oct 18
Robert Chapman
EntityIndividual
Role
Chief Executive Officer
President & Director
Shares300
Max PriceUS$14.99
BuyUS$14,89026 Oct 18
Lydia Langley
EntityIndividual
Shares1,000
Max PriceUS$14.89
BuyUS$21,00024 Oct 18
Lydia Langley
EntityIndividual
Shares1,400
Max PriceUS$15.00
BuyUS$1,13822 Oct 18
Robert Chapman
EntityIndividual
Role
Chief Executive Officer
President & Director
Shares75
Max PriceUS$15.17
BuyUS$10,73122 Oct 18
Lydia Langley
EntityIndividual
Shares706
Max PriceUS$15.20
BuyUS$5,15422 Oct 18
Watt Foster
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares340
Max PriceUS$15.16
BuyUS$1,44422 Oct 18
William Bryant
EntityIndividual
Role
Member of the Board of Directors
Director
Shares95
Max PriceUS$15.20

Ownership Breakdown


Management Team

  • Bob Chapman (56yo)

    President & Director

    • Tenure: 0.0yrs
    • Compensation: US$476.23k
  • J. Scruggs (51yo)

    Secretary

    • Tenure: 12.4yrs
    • Compensation: US$361.72k
  • Glenn Dillon (72yo)

    President of BOTJ Investment Group Inc

    • Tenure: 13.6yrs
  • Chip Umberger (53yo)

    Executive VP & Chief Credit Officer of Bank of the James

    • Tenure: 16.6yrs
    • Compensation: US$301.04k
  • Angelia Johnson

    Executive VP & Retail Branch Administrator - Bank of the James

    • Tenure: 0.0yrs
  • Brian Cash

    President - Bank of the James Mortgage

    • Tenure: 0.0yrs
  • Brandon Farmer (39yo)

    Executive VP & Chief Operations Officer

    • Tenure: 0.0yrs
  • Mike Syrek (46yo)

    Executive VP & Senior Loan Officer - Bank of the James

    • Tenure: 7.2yrs
  • Brad Harris

    Market President - Roanoke Valley

    • Tenure: 3.6yrs

Board Members

  • Bob Chapman (56yo)

    President & Director

    • Tenure: 0.0yrs
    • Compensation: US$476.23k
  • J. Scruggs (51yo)

    Secretary

    • Tenure: 12.4yrs
    • Compensation: US$361.72k
  • Tom Pettyjohn (72yo)

    Chairman of the Board

    • Tenure: 10.3yrs
    • Compensation: US$26.95k
  • Augustus Petticolas (70yo)

    Director

    • Tenure: 14.5yrs
    • Compensation: US$19.00k
  • Watt Foster (59yo)

    Independent Director

    • Tenure: 14.1yrs
    • Compensation: US$13.70k
  • William Bryant (54yo)

    Director

    • Tenure: 13.7yrs
    • Compensation: US$12.25k
  • Lewis Addison (67yo)

    Independent Director

    • Tenure: 13.5yrs
    • Compensation: US$13.45k
  • James Daly (61yo)

    Independent Director

    • Tenure: 12.4yrs
    • Compensation: US$19.95k
  • John Alford (58yo)

    Director

    • Tenure: 10.2yrs
    • Compensation: US$21.15k
  • Julie Doyle (55yo)

    Independent Director

    • Tenure: 8.6yrs
    • Compensation: US$12.25k

Company Information

Bank of the James Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bank of the James Financial Group, Inc.
  • Ticker: BOTJ
  • Exchange: NasdaqCM
  • Founded: 1998
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$63.575m
  • Shares outstanding: 4.38m
  • Website: https://www.bankofthejames.bank

Number of Employees


Location

  • Bank of the James Financial Group, Inc.
  • 828 Main Street
  • Lynchburg
  • Virginia
  • 24504
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BOTJNasdaqCM (Nasdaq Capital Market)YesOrdinary SharesUSUSDJun 2000

Biography

Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:55
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.