Bank of the James Financial Group, Inc.
NASDAQ Capital MarketTotal Valuation
Bank of the James Financial Group, Inc. carries a market capitalization of 125.40M, placing it among publicly traded companies globally. Its enterprise value stands at 115.95M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 125.40M |
| Enterprise Value | 115.95M |
Share Statistics
Bank of the James Financial Group, Inc. currently has 4.54M shares outstanding.
| Shares Outstanding | 4.54M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Bank of the James Financial Group, Inc. trades at a trailing price-to-earnings ratio of 14.06.
| PE Ratio | 14.06 |
| PS Ratio | 3.10 |
| PB Ratio | N/A |
| P/TBV Ratio | N/A |
| P/FCF Ratio | 9.07 |
| P/OCF Ratio | 9.68 |
Enterprise Valuation
On an enterprise value basis, Bank of the James Financial Group, Inc. trades at an EV/EBITDA multiple of 80.91 and an EV/FCF ratio of 9.07.
| EV / Sales | 3.10 |
| EV / EBITDA | 80.91 |
| EV / EBIT | N/A |
| EV / FCF | 9.07 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 33.21 |
| Debt / EBITDA | N/A |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 23.02 |
| Return on Assets (ROA) | 1.64 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Bank of the James Financial Group, Inc. has paid 1.94M in income taxes, reflecting an effective tax rate of 19.02.
| Income Tax | 1.94M |
| Effective Tax Rate | 19.02 |
Stock Price Statistics
Bank of the James Financial Group, Inc.'s stock has gained approximately 78.17947% over the past 52 weeks. The 50-day moving average sits at 26.65, while the 200-day moving average is 22.18.
| Beta (5Y) | N/A |
| 52-Week Price Change | 78.17947% |
| 50-Day Moving Average | 26.65 |
| 200-Day Moving Average | 22.18 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Bank of the James Financial Group, Inc. generated 37.39M in revenue and converted that into 8.25M in net income, yielding earnings per share of 1.82.
| Revenue | 37.39M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 10.19M |
| Net Income | 8.25M |
| EBITDA | 1.43M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 1.82 |
Cash Flow
Bank of the James Financial Group, Inc. produced 11.98M in operating cash flow over the past twelve months. After subtracting -800,000.00 in capital expenditures, free cash flow totaled 11.18M - equivalent to 2.46 per share.
| Operating Cash Flow | 11.98M |
| Capital Expenditures | -800,000.00 |
| Free Cash Flow | 11.18M |
| FCF Per Share | 2.46 |
Margins
Bank of the James Financial Group, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 27.25 |
| Profit Margin | 22.06 |
| EBITDA Margin | 3.83 |
Dividends & Yields
The company's payout ratio of 16.51 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.30 |
| Dividend Yield | N/A |
| Payout Ratio | 16.51 |
| Shareholder Yield | -38.00 |
| FCF Yield | 11.02 |
Stock Splits
Bank of the James Financial Group, Inc.'s most recent stock split took place on June 24, 2021 with a 10:11 split ratio.
| Last Split Date | 6/24/2021 |
| Split Ratio | 10:11 |
Scores
Bank of the James Financial Group, Inc. posts an Altman Z-Score of 0.50, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.50 |