Bank of the James Financial Group, Inc.
General ticker "BOTJ" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $66.0M (TTM average)
Bank of the James Financial Group, Inc. follows the US Stock Market performance with the rate: 40.0%.
Estimated limits based on current volatility of 0.6%: low 18.25$, high 18.46$
Factors to consider:
- Earnings expected soon, date: 2026-01-30 bmo
- Company pays dividends (quarterly): last record date 2025-11-21, amount 0.10$ (Y2.18%)
- Total employees count: 172 (-0.6%) as of 2023
- Top business risk factors: Pandemic risks, Economic downturns and volatility, Labor/talent shortage/retention, Expansion risks, Operational and conduct risks
- Price in estimated range
- Earnings for 9 months up through Q3 are close to our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [13.87$, 18.73$]
- 2025-12-31 to 2026-12-31 estimated range: [13.96$, 19.25$]
Financial Metrics affecting the BOTJ estimates:
- Positive: with PPE of 8.8 at the end of fiscal year the price was low
- Positive: 7.54 < Operating profit margin, % of 16.83
- Positive: 6.63 < Operating cash flow per share per price, % of 12.14
- Negative: Shareholder equity ratio, % of 6.62 <= 19.35
- Positive: Industry operating cash flow per share per price (median), % of 10.65 > 10.14
- Positive: Industry operating profit margin (median), % of 21.25 > 9.53
- Positive: -3.57 < Return on assets ratio (scaled to [-100,100]) of 0.80
- Positive: Industry earnings per price (median), % of 6.50 > 4.45
Short-term BOTJ quotes
Long-term BOTJ plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $44.17MM | $51.42MM | $58.96MM |
| Operating Expenses | $33.06MM | $41.15MM | $49.04MM |
| Operating Income | $11.11MM | $10.28MM | $9.92MM |
| Interest Expense | $2.15MM | $9.62MM | $15.41MM |
| Income(Loss) | $11.11MM | $10.28MM | $9.92MM |
| Taxes | $2.15MM | $1.57MM | $1.98MM |
| Profit(Loss)* | $8.96MM | $8.70MM | $7.94MM |
| Stockholders Equity | $50.23MM | $60.04MM | $64.86MM |
| Assets | $928.57MM | $969.37MM | $979.24MM |
| Operating Cash Flow | $9.31MM | $9.49MM | $8.51MM |
| Capital expenditure | $1.19MM | $1.57MM | $2.55MM |
| Investing Cash Flow | $-88.13MM | $-23.34MM | $-11.17MM |
| Financing Cash Flow | $-42.57MM | $26.92MM | $1.14MM |
| Earnings Per Share** | $1.91 | $1.91 | $1.75 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.