Bank of the James Financial Group, Inc. Financial Ratios — BOTJ

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	15.94	41.31	39.32	31.64	25	17.85	14.2	22.31	19.98	15.52	22.47	24.04	19.93	16.06	16.07
Return on Assets (%)	0.14	0.49	0.7	0.76	0.75	0.6	0.49	0.81	0.8	0.63	0.83	0.94	0.92	0.82	0.89
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.81	3.56	3.74	3.82	3.57	3.25	3.25	3.34	5.36	5.8	5.54	6.21	4.71	4.45	3.96
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	2.7	13.98	21.32	23.78	24.85	20.4	21.5	23.78	22.31	17.65	25.42	26.44	24.59	22.78	23.34
Profit Margin (%)	3.2	11.14	15.91	17.26	17.17	13.93	11.72	19.02	18.03	14.22	20.41	21.32	20.82	18.24	18.89
Net Income to Common Margin (%)	3.2	11.14	15.91	17.26	17.17	13.93	11.72	19.02	18.03	14.22	20.41	21.32	20.82	18.24	18.89
Effective Tax Rate (%)	- -	20.3	25.4	27.4	30.9	31.73	45.49	20.04	19.17	19.4	19.7	19.36	15.32	19.94	19.05
Dvd Payout Ratio (%)	- -	- -	- -	14.83	21.75	31.95	35.93	19.8	21.87	24.4	16.75	15.24	16.79	22.89	20.14
Sustainable Growth Rate (%)	15.94	41.31	39.32	26.95	19.56	12.15	9.1	17.89	15.61	11.73	18.71	20.38	16.59	12.38	12.84

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	17	12	12	22	10	- -	5	5	5	10	21	20	20	19	9
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	17	12	12	22	10	- -	5	5	5	10	21	20	20	19	9
Total Debt/EBITDA	23.78	17.62	16.67	29.1	13.04	- -	6.17	5.38	3	4.94	10.21	7.86	10.13	9.98	4.66
Net Debt/EBITDA	-0.95	-7.09	-6.49	12.24	-7.76	-22.08	-18.82	-23.36	-15.48	-10.67	-4.04	-3.65	-2.89	-2.03	-10.45
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.96	1.41	2.15	2.66	3.28	3.4	3.45	3.84	4.17	3.99	3.4	4.41	4.79	5.36	5.75
Long-Term Debt/Equity (%)	63.42	40.52	40.31	63.26	20.75	- -	9.68	9.07	8.14	15.03	30.27	40.8	33.2	29.83	10.99
Long-Term Debt/Capital (%)	80.63	65.79	56.27	64.24	36.64	- -	18.77	16.19	14.19	22.8	38.49	33.36	30.05	26.92	12.84
Long-Term Debt/Total Assets (%)	3.98	2.72	2.76	4.77	1.9	- -	0.8	0.74	0.69	1.18	2.13	2.21	2.06	1.98	0.85
Total Debt/Equity (%)	63.42	40.52	40.31	63.26	20.75	- -	9.68	9.07	8.14	15.03	30.27	40.8	33.2	29.83	10.99
Total Debt/Capital (%)	80.63	65.79	56.27	64.24	36.64	- -	18.77	16.19	14.19	22.8	38.49	33.36	30.05	26.92	12.84
Total Debt/Total Assets (%)	3.98	2.72	2.76	4.77	1.9	- -	0.8	0.74	0.69	1.18	2.13	2.21	2.06	1.98	0.85
Net Debt to Equity	-2.53	-16.3	-15.69	26.62	-12.35	-34.27	-29.55	-39.4	-41.98	-32.45	-11.98	-18.98	-9.46	-6.07	-24.66
Net Debt/Capital (%)	-19.91	-341.86	-100.37	43.05	-52.5	-654.48	-239.6	-521.48	-582.13	-176.14	-32.94	-30.35	-13.95	-8.11	-49.37
EBITDA	1	1	1	1	1	1	1	1	2	2	2	3	2	2	2
EBITDA-CapEx	- -	- -	- -	-1	-1	-1	-1	-1	-3	- -	-1	1	- -	-1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.96	1.41	2.15	2.66	3.28	3.4	3.45	3.84	4.17	3.99	3.4	4.41	4.79	5.36	5.75
Long-Term Debt/Equity (%)	63.42	40.52	40.31	63.26	20.75	- -	9.68	9.07	8.14	15.03	30.27	40.8	33.2	29.83	10.99
Long-Term Debt/Capital (%)	80.63	65.79	56.27	64.24	36.64	- -	18.77	16.19	14.19	22.8	38.49	33.36	30.05	26.92	12.84
Long-Term Debt/Total Assets (%)	3.98	2.72	2.76	4.77	1.9	- -	0.8	0.74	0.69	1.18	2.13	2.21	2.06	1.98	0.85
Total Debt/Equity (%)	63.42	40.52	40.31	63.26	20.75	- -	9.68	9.07	8.14	15.03	30.27	40.8	33.2	29.83	10.99
Total Debt/Capital (%)	80.63	65.79	56.27	64.24	36.64	- -	18.77	16.19	14.19	22.8	38.49	33.36	30.05	26.92	12.84
Total Debt/Total Assets (%)	3.98	2.72	2.76	4.77	1.9	- -	0.8	0.74	0.69	1.18	2.13	2.21	2.06	1.98	0.85
CFO/Total Liabilities	1.78	1.23	1.18	1.32	0.7	0.53	1.17	1.38	0.84	0.66	1.78	1.06	1.04	0.93	1.22
CFO/CapEx	10.27	12.2	5.84	4.19	2.21	1.63	3.5	3.73	1.27	2.97	5.62	7.82	6.03	3.34	10.01
Altman's Z-Score	0.06	0.07	0.1	0.11	0.12	0.14	0.14	0.13	0.14	0.12	0.12	0.13	0.13	0.15	0.17

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.29	12.18	13.19	15.17	17.24	17.97	16.13	16.14	17.23	16.61	16.85	17.51	15.01	14.77	14.82
Days Sales Outstanding	29.71	29.96	27.67	24.06	21.17	20.31	22.63	22.61	21.18	21.98	21.66	20.85	24.32	24.72	24.63
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	15	19	31	35	45	66	65	57	67	53	73	56	56	72	84
- Cash & Cash Equivalents	18	17	17	13	16	17	20	27	31	32	29	30	26	23	29
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	17	12	12	22	10	- -	5	5	5	10	21	20	20	19	9
Enterprise Value	-34	-36	-20	20	3	9	-5	-18	-19	-59	-96	-139	-166	-120	61
Total Capital	21	18	21	34	27	20	27	31	35	44	55	61	66	72	69
Total Debt/Capital (%)	80.63	65.79	56.27	64.24	36.64	- -	18.77	16.19	14.19	22.8	38.49	33.36	30.05	26.92	12.84
Total Debt / EV	-0.49	-0.33	-0.61	1.13	3.76	- -	-0.96	-0.29	-0.27	-0.17	-0.22	-0.15	-0.12	-0.16	0.14
EV/Sales	- -	- -	- -	0.99	0.12	0.37	0.6	0.33	0.39	- -	- -	- -	- -	1.21	1.29
EV/EBITDA	- -	- -	- -	25.81	3.47	11.35	18.55	9.89	7.3	- -	- -	- -	- -	27.23	32.55
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	3.47	0.8	3.12	2.24	1.07	2.17	- -	- -	- -	- -	6.2	5.27
EV/Free Cash Flow to Firm	- -	- -	- -	2.8	0.55	1.94	1.74	0.85	1.22	- -	- -	- -	- -	4.77	4.79
Diluted Market Cap	15	19	31	35	45	66	65	57	67	53	73	56	56	72	84
Diluted Enterprise Value	14	14	26	44	39	49	50	35	41	31	65	46	50	68	65
EV per Share	- -	- -	- -	5.27	0.7	1.81	3.12	1.91	2.53	- -	- -	- -	- -	11.62	13.53
TTM Sales	19	19	19	20	22	24	25	28	31	35	37	42	42	44	48
TTM EBITDA	1	1	1	1	1	1	1	1	2	2	2	3	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	5	5	6	3	3	7	9	6	5	16	9	9	9	12
TTM Free Cash Flow to Firm	8	5	6	7	5	4	9	11	10	7	19	11	11	11	13

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	1.87	3.49	5.55	4.97	9.18	14.79	7.57	5.24	6.7	7.57	3.81	5.33	5.04	6.52	6.58
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-34	-36	-20	20	3	9	-5	-18	-19	-59	-96	-139	-166	-120	61
Low Price	3.41	4	5.25	7.68	9.18	10.5	12.61	11.45	11.82	7.27	11.07	10.64	8.12	9.65	11.56
EV/Sales	- -	- -	- -	0.99	0.12	0.37	0.6	0.33	0.39	- -	- -	- -	- -	1.21	1.29
EV/EBITDA	- -	- -	- -	25.81	3.47	11.35	18.55	9.89	7.3	- -	- -	- -	- -	27.23	32.55
Price/Earnings	24.38	8.94	10.18	10.15	12.08	20.21	22.37	10.74	11.92	10.57	9.67	6.25	6.41	9.08	9.36
Price/Earnings Average	29.02	8.62	8.65	9.06	10.53	16.71	22.51	12.52	11.26	9.72	9.1	7.02	5.61	7.09	7.47
Price/Earnings High	37.37	12.51	10.93	10.36	14.03	21.62	27.72	14.86	12.41	14.08	12.31	8.82	7.08	9.75	9.44
Price/Earnings Low	20.79	6.9	6.33	8.33	9.44	15.39	20.78	10.4	10.15	6.97	6.93	5.58	4.26	5.52	5.82
Price/Book Value	3.58	3.05	3.34	2.83	2.58	3.4	3.02	2.2	2.21	1.55	2.19	1.37	1.2	1.37	1.41
Price/Book Value Average	4.26	2.95	2.84	2.53	2.25	2.81	3.04	2.56	2.09	1.43	2.06	1.54	1.05	1.07	1.13
Price/Book Value High	5.49	4.27	3.59	2.89	3	3.64	3.74	3.04	2.3	2.06	2.78	1.93	1.33	1.47	1.43
Price/Book Value Low	3.05	2.36	2.08	2.32	2.02	2.59	2.81	2.13	1.88	1.02	1.56	1.22	0.8	0.83	0.88
Price/Tangible Book Value	0.55	0.65	1.06	1	0.93	1.34	1.27	1.03	1.09	0.79	1.27	1.39	1.1	1.29	1.18
Price/Tangible Book Value Average	0.65	0.63	0.9	0.89	0.81	1.11	1.27	1.2	1.03	0.73	1.19	1.56	0.96	1	0.94
Price/Tangible Book Value High	0.84	0.91	1.13	1.02	1.07	1.44	1.57	1.43	1.13	1.05	1.61	1.96	1.21	1.38	1.19
Price/Tangible Book Value Low	0.47	0.5	0.66	0.82	0.72	1.02	1.18	1	0.93	0.52	0.91	1.24	0.73	0.78	0.73
Price/Sales	0.78	1	1.62	1.75	2.07	2.81	2.62	2.04	2.15	1.5	1.97	1.33	1.33	1.66	1.77
Price/Sales Average	0.93	0.96	1.38	1.56	1.81	2.33	2.64	2.38	2.03	1.38	1.86	1.5	1.17	1.29	1.41
Price/Sales High	1.2	1.39	1.74	1.79	2.41	3.01	3.25	2.83	2.24	2	2.51	1.88	1.47	1.78	1.78
Price/Sales Low	0.67	0.77	1.01	1.44	1.62	2.14	2.44	1.98	1.83	0.99	1.41	1.19	0.89	1.01	1.1
Price/Cash Flow	2.05	3.77	6.5	6.16	13.33	23.85	9.73	6.64	11.95	10.12	4.49	6.01	5.87	8.47	7.24
Price/Cash Flow Average	2.44	3.64	5.53	5.5	11.61	19.72	9.79	7.75	11.29	9.32	4.22	6.76	5.14	6.62	5.78
Price/Cash Flow High	3.15	5.28	6.98	6.29	15.47	25.51	12.06	9.19	12.44	13.48	5.72	8.49	6.49	9.1	7.31
Price/Cash Flow Low	1.75	2.91	4.04	5.05	10.41	18.16	9.04	6.43	10.17	6.68	3.21	5.37	3.9	5.15	4.5
Price/Free Cash Flow Average	2.23	3.37	4.72	4.44	8	12.23	7.62	6.11	6.33	6.97	3.59	5.99	4.41	5.09	5.26
Price/Free Cash Flow High	2.87	4.88	5.96	5.07	10.66	15.81	9.38	7.25	6.97	10.09	4.85	7.52	5.57	7	6.64
Price/Free Cash Flow Low	1.6	2.69	3.45	4.08	7.17	11.26	7.03	5.07	5.7	5	2.73	4.76	3.35	3.96	4.1
EV/Sales Average	0.89	0.71	1.13	2.03	1.53	1.61	2.03	1.6	1.2	0.76	1.63	1.27	1.03	1.2	1
EV/Sales High	1.16	1.14	1.5	2.26	2.13	2.29	2.64	2.05	1.41	1.38	2.29	1.65	1.34	1.69	1.37
EV/Sales Low	0.63	0.52	0.76	1.91	1.34	1.43	1.82	1.2	1	0.37	1.19	0.96	0.75	0.92	0.69
EV/EBITDA Average	23.4	19.91	30.29	53.15	42.91	49.52	62.27	48.04	22.4	13.2	29.5	20.46	21.93	27.01	25.24
EV/EBITDA High	30.41	32.06	39.99	59.01	59.76	70.54	81.06	61.36	26.27	23.88	41.34	26.63	28.42	37.94	34.65
EV/EBITDA Low	16.49	14.51	20.41	49.85	37.68	43.85	56.06	35.94	18.67	6.44	21.48	15.51	15.95	20.59	17.35
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4	5.18	8.44	9.36	11.75	13.79	13.57	11.82	13.88	11.02	15.46	11.91	12.22	15.87	18.58
High Price	6.13	7.25	9.07	9.55	13.64	14.75	16.82	16.36	14.45	14.68	19.68	16.82	13.5	17.05	18.75
Enterprise Value Average	17	14	22	40	33	38	51	45	37	27	61	53	43	52	48
Enterprise Value High	22	22	29	45	46	54	66	57	44	48	85	69	56	74	65
Enterprise Value Low	12	10	15	38	29	34	45	33	31	13	44	40	31	40	33

Shares Outstanding	4	4	4	4	5	5	5	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	4	4	4	4	4	5	5	5	5	5	5	5	5	5	5
Basic Weighted Avg Shares	4	4	4	4	4	5	5	5	5	5	5	5	5	5	5
Revenue per Share	5.13	5.2	5.21	5.34	5.66	4.9	5.18	5.79	6.46	7.33	7.83	8.95	9.16	9.59	10.51
EBITDA per Share	0.2	0.19	0.2	0.2	0.2	0.16	0.17	0.19	0.35	0.42	0.43	0.56	0.43	0.43	0.42
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.16	0.58	0.83	0.92	0.97	0.68	0.61	1.1	1.16	1.04	1.6	1.91	1.91	1.75	1.99
Basic EPS from Cont Ops	0.16	0.58	0.83	0.92	0.97	0.68	0.61	1.1	1.16	1.04	1.6	1.91	1.91	1.75	1.99
Diluted EPS, GAAP	0.16	0.58	0.83	0.92	0.97	0.68	0.61	1.1	1.16	1.04	1.6	1.91	1.91	1.75	1.99
Diluted EPS from Cont Ops	0.16	0.58	0.83	0.92	0.97	0.68	0.61	1.1	1.16	1.04	1.6	1.91	1.91	1.75	1.99
Dividend per Share	- -	- -	- -	0.14	0.21	0.22	0.22	0.22	0.25	0.25	0.27	0.29	0.32	0.4	0.4
Cash Flow per Share	1.95	1.37	1.3	1.52	0.88	0.58	1.39	1.78	1.16	1.09	3.44	1.98	2.08	1.87	2.57
Free Cash Flow per Basic Share	1.76	1.26	1.08	1.16	0.48	0.22	1	1.3	0.25	0.72	2.83	1.73	1.74	1.31	2.31
Cash & Equivalents per Share	18.05	18.25	17.01	10.03	13.68	11.98	15.69	16.5	18.79	25.52	40.15	45.94	53.07	46.49	6.98
Book Value per Share	1.12	1.7	2.53	3.31	4.55	4.05	4.49	5.38	6.28	7.11	7.07	8.71	10.17	11.56	13.15
Tangible Book Value per Share	7.3	7.98	8	9.39	12.69	10.26	10.73	11.45	12.77	13.97	12.22	8.58	11.11	12.34	15.81

Bank of the James Financial Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)