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Bank of the James Financial Group, Inc.

Bank of the James Financial Group, Inc.

BOTJ
Bank of the James Financial Group, Inc.US flagNASDAQ Capital Market
26.60
USD
-0.11
- -
120.85MMarket Cap

Total Valuation

Bank of the James Financial Group, Inc. carries a market capitalization of 120.85M, placing it among publicly traded companies globally. Its enterprise value stands at 72.07M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap120.85M
Enterprise Value72.07M

Share Statistics

Bank of the James Financial Group, Inc. currently has 4.54M shares outstanding.

Shares Outstanding4.54M
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 8.54. The price-to-sales ratio is 1.89, and the price-to-book ratio stands at 1.51.

PE Ratio8.54
PS Ratio1.89
PB Ratio1.51
P/TBV Ratio1.28
P/FCF Ratio5.65
P/OCF Ratio5.99

Enterprise Valuation

On an enterprise value basis, Bank of the James Financial Group, Inc. trades at an EV/EBITDA multiple of 37.71 and an EV/FCF ratio of 4.35.

EV / Sales1.46
EV / EBITDA37.71
EV / EBITN/A
EV / FCF4.35

Financial Position

Current RatioN/A
Quick RatioN/A
Debt / Equity10.74
Debt / EBITDA4.57
Interest CoverageN/A

Financial Efficiency

Return on Equity (ROE)19.05
Return on Assets (ROA)1.06
Return on Invested Capital (ROIC)N/A
Return on Capital Employed (ROCE)N/A
Revenue Per EmployeeN/A
Employee CountN/A
Inventory TurnoverN/A

Taxes

Over the trailing twelve months, Bank of the James Financial Group, Inc. has paid 2.63M in income taxes, reflecting an effective tax rate of 19.37.

Income Tax2.63M
Effective Tax Rate19.37

Stock Price Statistics

Bank of the James Financial Group, Inc.'s stock has gained approximately 91.36691% over the past 52 weeks. The 50-day moving average sits at 24.31, while the 200-day moving average is 20.42.

Beta (5Y)N/A
52-Week Price Change91.36691%
50-Day Moving Average24.31
200-Day Moving Average20.42
Average Volume (20 Days)N/A

Income Statement

Over the trailing twelve months, Bank of the James Financial Group, Inc. generated 49.45M in revenue and converted that into 10.95M in net income, yielding earnings per share of 2.41.

Revenue49.45M
Gross ProfitN/A
Operating IncomeN/A
Pretax Income13.58M
Net Income10.95M
EBITDA1.91M
EBITN/A
Earnings Per Share (EPS)2.41

Balance Sheet

Bank of the James Financial Group, Inc. holds 30.26M in cash and equivalents against 8.73M in total debt, resulting in a net debt position of -16.37M.

Cash & Cash Equivalents30.26M
Total Debt8.73M
Net Debt-16.37M
Equity (Book Value)62.05M
Book Value Per Share13.66
Working CapitalN/A

Cash Flow

Bank of the James Financial Group, Inc. produced 15.64M in operating cash flow over the past twelve months. After subtracting -925,000.00 in capital expenditures, free cash flow totaled 14.71M - equivalent to 3.24 per share.

Operating Cash Flow15.64M
Capital Expenditures-925,000.00
Free Cash Flow14.71M
FCF Per Share3.24

Margins

Bank of the James Financial Group, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.

Gross Margin100.00
Operating MarginN/A
Pretax Margin27.47
Profit Margin22.15
EBITDA Margin3.86

Dividends & Yields

The company's payout ratio of 16.59 indicates the proportion of earnings distributed to shareholders.

Dividend Per Share0.40
Dividend YieldN/A
Payout Ratio16.59
Shareholder Yield-34.33
FCF Yield17.69

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 Date6/24/2021
Split Ratio10:11

Scores

Bank of the James Financial Group, Inc. posts an Altman Z-Score of 0.17, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score0.17