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Bank of the James Financial Group

Market Cap

US$64.8m

Last Updated

2021/04/11 23:30 UTC

Data Sources

Company Financials

Executive Summary

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


Snowflake Analysis

Flawless balance sheet and good value.


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

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.


Market Performance


7 Day Return

2.9%

BOTJ

1.2%

US Banks

2.1%

US Market


1 Year Return

49.2%

BOTJ

56.9%

US Banks

56.3%

US Market

Return vs Industry: BOTJ underperformed the US Banks industry which returned 56.9% over the past year.

Return vs Market: BOTJ underperformed the US Market which returned 56.3% over the past year.


Shareholder returns

BOTJIndustryMarket
7 Day2.9%1.2%2.1%
30 Day4.7%1.2%2.4%
90 Day15.3%17.4%6.1%
1 Year52.7%49.2%62.1%56.9%59.1%56.3%
3 Year7.6%1.3%27.2%16.3%65.7%55.1%
5 Year40.1%27.5%105.6%79.7%122.3%97.6%

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

Valuation

Is Bank of the James Financial Group undervalued compared to its fair value and its price relative to the market?

19.3%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: BOTJ ($14.99) is trading below our estimate of fair value ($18.6)

Significantly Below Fair Value: BOTJ is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: BOTJ is good value based on its PE Ratio (13.1x) compared to the US Banks industry average (13.3x).

PE vs Market: BOTJ is good value based on its PE Ratio (13.1x) compared to the US market (22.3x).


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 good value based on its PB Ratio (1x) compared to the US Banks industry average (1.1x).


Future Growth

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

13.4%

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.


Past Performance

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

11.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BOTJ has high quality earnings.

Growing Profit Margin: BOTJ's current net profit margins (14.8%) are lower than last year (17.9%).


Past Earnings Growth Analysis

Earnings Trend: BOTJ's earnings have grown by 11.3% per year over the past 5 years.

Accelerating Growth: BOTJ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BOTJ had negative earnings growth (-11.1%) over the past year, making it difficult to compare to the Banks industry average (1.4%).


Return on Equity

High ROE: BOTJ's Return on Equity (7.5%) is considered low.


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


Financial Institutions Analysis

Asset Level: BOTJ's Assets to Equity ratio (12.8x) is moderate.

Allowance for Bad Loans: BOTJ has a sufficient allowance for bad loans (347%).

Low Risk Liabilities: 97% 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 (71%).

Low Risk Deposits: BOTJ's Loans to Deposits ratio (79%) is appropriate.

Level of Bad Loans: BOTJ has an appropriate level of bad loans (0.3%).


Dividend

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

1.87%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: BOTJ's dividend (1.87%) is higher than the bottom 25% of dividend payers in the US market (1.26%).

High Dividend: BOTJ's dividend (1.87%) is low compared to the top 25% of dividend payers in the US market (3.5%).


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 (24.4%), 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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

17.3yrs

Average management tenure


CEO

Bank of the James Financial Group has no CEO, or we have no data on them.


Leadership Team

Experienced Management: BOTJ's management team is seasoned and experienced (17.3 years average tenure).


Board Members

Experienced Board: BOTJ's board of directors are seasoned and experienced ( 14.1 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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$64.829m
  • Shares outstanding: 4.32m
  • 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


Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/04/11 23:30
End of Day Share Price2021/04/08 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.