Bank of the James Financial Group
Market Cap
US$63.8m
Last Updated
2021/03/07 23:59 UTC
Data Sources
Company Financials
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, the Unites States. More Details
Rewards
Risk Analysis
Snowflake Analysis
Flawless balance sheet and fair 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 less volatile than 75% 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
-0.6%
BOTJ
4.5%
US Banks
-0.4%
US Market
1 Year Return
10.4%
BOTJ
35.5%
US Banks
36.2%
US Market
Return vs Industry: BOTJ underperformed the US Banks industry which returned 35.5% over the past year.
Return vs Market: BOTJ underperformed the US Market which returned 36.2% over the past year.
Shareholder returns
| BOTJ | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.6% | 4.5% | -0.4% |
| 30 Day | 3.7% | 12.3% | -2.9% |
| 90 Day | 20.0% | 26.1% | 5.0% |
| 1 Year | 13.1%10.4% | 40.3%35.5% | 39.1%36.2% |
| 3 Year | 2.2%-3.8% | 13.1%3.4% | 48.4%39.0% |
| 5 Year | 34.6%22.5% | 100.7%75.2% | 116.5%92.4% |
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
1 week ago | Simply Wall St
Why You Might Be Interested In Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) For Its Upcoming Dividend1 month ago | Simply Wall St
Bank of the James Financial Group (NASDAQ:BOTJ) Share Prices Have Dropped 14% In The Last Year3 months ago | Simply Wall St
Why You Might Be Interested In Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) For Its Upcoming DividendValuation
Is Bank of the James Financial Group undervalued compared to its fair value and its price relative to the market?
12.82x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BOTJ ($14.7) is trading above our estimate of fair value ($12.75)
Significantly Below Fair Value: BOTJ is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BOTJ is good value based on its PE Ratio (12.8x) compared to the US Banks industry average (13.1x).
PE vs Market: BOTJ is good value based on its PE Ratio (12.8x) compared to the US market (21.5x).
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).
Next Steps
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?
14.1%
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.
Next Steps
- Examine whether Bank of the James Financial Group is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Explore growth companies in the Banks industry.
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 (0.5%).
Return on Equity
High ROE: BOTJ's Return on Equity (7.5%) is considered low.
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
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%).
Next Steps
Dividend
What is Bank of the James Financial Group current dividend yield, its reliability and sustainability?
1.90%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BOTJ's dividend (1.9%) is higher than the bottom 25% of dividend payers in the US market (1.31%).
High Dividend: BOTJ's dividend (1.9%) is low compared to the top 25% of dividend payers in the US market (3.64%).
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?
16.2yrs
Average management tenure
CEO
Bank of the James Financial Group has no CEO, or we have no data on them.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President & Director | 23.17yrs | US$509.74k | 2.29% $ 1.5m | |
| Secretary | 14yrs | US$395.81k | 0.68% $ 436.6k | |
| Executive VP & Chief Credit Officer of Bank of the James | 18.17yrs | US$310.94k | 0.035% $ 22.5k | |
| Executive VP & Chief Operations Officer | no data | no data | no data | |
| President of BOTJ Investment Group Inc | 15.17yrs | no data | no data | |
| President of Bank of the James Mortgage | no data | no data | no data | |
| Market President - Roanoke Valley | 5.17yrs | no data | no data | |
| Executive VP & Retail Branch Administrator of Bank of the James | no data | no data | no data | |
| Executive VP & Senior Loan Officer of Bank of the James | 8.75yrs | no data | no data |
16.2yrs
Average Tenure
53yo
Average Age
Experienced Management: BOTJ's management team is seasoned and experienced (16.2 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President & Director | 23.17yrs | US$509.74k | 2.29% $ 1.5m | |
| Secretary | 14yrs | US$395.81k | 0.68% $ 436.6k | |
| Independent Chairman of the Board | 11.83yrs | US$26.25k | 0.37% $ 233.8k | |
| Independent Director | 16.08yrs | US$19.65k | 0.049% $ 31.5k | |
| Independent Director | 15.67yrs | US$14.40k | 2.11% $ 1.3m | |
| Director | 15.25yrs | US$15.25k | 0.84% $ 536.4k | |
| Independent Director | 15.08yrs | US$11.45k | 0.36% $ 231.5k | |
| Independent Director | 14yrs | US$21.45k | 0.96% $ 611.2k | |
| Director | 11.75yrs | US$23.65k | 0.36% $ 232.6k | |
| Independent Director | 10.17yrs | US$14.05k | 0.26% $ 165.2k | |
| Independent Director | 5.5yrs | US$25.70k | 2.08% $ 1.3m | |
| Independent Director | 4.42yrs | US$11.75k | 0.046% $ 29.1k |
14.0yrs
Average Tenure
59.5yo
Average Age
Experienced Board: BOTJ's board of directors are seasoned and experienced ( 14 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$63.790m
- Shares outstanding: 4.34m
- 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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| BOTJ | NasdaqCM (Nasdaq Capital Market) | Yes | Ordinary Shares | US | USD | Jun 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/03/07 23:59 |
| End of Day Share Price | 2021/03/05 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.