WallStreetZenWallStreetZen

NASDAQ: BOTJ
Bank Of The James Financial Group Inc Stock

$9.91-0.24 (-2.36%)
Updated Apr 12, 2024
BOTJ Price
$9.91
Fair Value Price
$17.51
Market Cap
$45.02M
52 Week Low
$8.12
52 Week High
$12.25
P/E
5.19x
P/B
0.75x
P/S
1.3x
PEG
0.61x
Dividend Yield
3.43%
Revenue
$42.79M
Earnings
$8.70M
Gross Margin
100%
Operating Margin
24.02%
Profit Margin
20.3%
Debt to Equity
15.15
Operating Cash Flow
$9M
Beta
0.23
Next Earnings
Apr 19, 2024
Ex-Dividend
N/A
Next Dividend
N/A

BOTJ Overview

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. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it provides other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. It operates through a network of 16 full-service offices, 2 limited-service offices, and 1 residential mortgage loan production office. The company was founded in 1998 and is headquartered in Lynchburg, Virginia.

Zen Score

Industry Average (34)
You've viewed Zen Score for 10/10 free stocks. Upgrade to Premium to see how BOTJ scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

BOTJ ($9.91) is undervalued by 43.41% relative to our estimate of its Fair Value price of $17.51 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
BOTJ ($9.91) is significantly undervalued by 43.41% relative to our estimate of its Fair Value price of $17.51 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
BOTJ ($9.91) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more BOTJ due diligence checks available for Premium users.

Be the first to know about important BOTJ news, forecast changes, insider trades & much more!

BOTJ News

Valuation

BOTJ fair value

Fair Value of BOTJ stock based on Discounted Cash Flow (DCF)
Price
$9.91
Fair Value
$17.51
Undervalued by
43.41%
BOTJ ($9.91) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
BOTJ ($9.91) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
BOTJ ($9.91) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

BOTJ price to earnings (PE)

For valuing profitable companies with steady earnings
Company
5.19x
Industry
-11.16x
Market
42.64x
BOTJ is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
BOTJ is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

BOTJ price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.75x
Industry
0.97x
BOTJ is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

BOTJ price to earnings growth (PEG)

For valuing profitable companies with growth potential
BOTJ is good value based... subscribe to Premium to read more.
PEG Value Valuation

BOTJ's financial health

Profit margin

Revenue
$10.5M
Net Income
$2.1M
Profit Margin
20.1%
BOTJ's Earnings (EBIT) of $10.28M... subscribe to Premium to read more.
Interest Coverage Financials
BOTJ's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$969.4M
Liabilities
$909.3M
Debt to equity
15.15
BOTJ's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
BOTJ's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$3.5M
Investing
-$25.9M
Financing
-$2.3M
BOTJ's operating cash flow ($9.49M)... subscribe to Premium to read more.
Debt Coverage Financials

BOTJ vs Bank Stocks

TickerMarket Cap1d %P/EP/B
BOTJ$45.02M-2.36%5.19x0.75x
FSEA$45.19M+1.71%-3.89x0.68x
SHFS$44.34M-3.03%-1.95x1.29x
TCBS$46.06M+1.40%-60.21x0.86x
BYFC$47.51M+2.09%10.67x0.17x

Bank Of The James Financial Group Stock FAQ

What is Bank Of The James Financial Group's quote symbol?

(NASDAQ: BOTJ) Bank Of The James Financial Group trades on the NASDAQ under the ticker symbol BOTJ. Bank Of The James Financial Group stock quotes can also be displayed as NASDAQ: BOTJ.

If you're new to stock investing, here's how to buy Bank Of The James Financial Group stock.

What is the 52 week high and low for Bank Of The James Financial Group (NASDAQ: BOTJ)?

(NASDAQ: BOTJ) Bank Of The James Financial Group's 52-week high was $12.25, and its 52-week low was $8.12. It is currently -19.1% from its 52-week high and 22.04% from its 52-week low.

How much is Bank Of The James Financial Group stock worth today?

(NASDAQ: BOTJ) Bank Of The James Financial Group currently has 4,543,338 outstanding shares. With Bank Of The James Financial Group stock trading at $9.91 per share, the total value of Bank Of The James Financial Group stock (market capitalization) is $45.02M.

Bank Of The James Financial Group stock was originally listed at a price of $3.47 in Aug 10, 2000. If you had invested in Bank Of The James Financial Group stock at $3.47, your return over the last 23 years would have been 185.67%, for an annualized return of 4.67% (not including any dividends or dividend reinvestments).

How much is Bank Of The James Financial Group's stock price per share?

(NASDAQ: BOTJ) Bank Of The James Financial Group stock price per share is $9.91 today (as of Apr 12, 2024).

What is Bank Of The James Financial Group's Market Cap?

(NASDAQ: BOTJ) Bank Of The James Financial Group's market cap is $45.02M, as of Apr 15, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Bank Of The James Financial Group's market cap is calculated by multiplying BOTJ's current stock price of $9.91 by BOTJ's total outstanding shares of 4,543,338.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.