BOTJ - Bank of the James Stock Price, Fair Value and News

10.95USD+0.45 (+4.29%)Market Closed

Market Summary

USD10.95+0.45

Market Closed

4.29%

BOTJ Stock Price

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BOTJ RSI Chart

BOTJ Valuation

Market Cap

49.7M

Price/Earnings (Trailing)

5.59

Price/Sales (Trailing)

1.22

EV/EBITDA

-0.94

Price/Free Cashflow

31.59

BOTJ Price/Sales (Trailing)

BOTJ Profitability

EBT Margin

25.83%

Return on Equity

14.74%

Return on Assets

0.9%

Free Cashflow Yield

3.17%

BOTJ Fundamentals

BOTJ Revenue

Revenue (TTM)

40.8M

Rev. Growth (Yr)

15.51%

Rev. Growth (Qtr)

-0.28%

BOTJ Earnings

Earnings (TTM)

8.9M

Earnings Growth (Yr)

10.23%

Earnings Growth (Qtr)

3.75%

Breaking Down BOTJ Revenue

Last 7 days

3.7%

Last 30 days

12.0%

Last 90 days

-6.8%

Trailing 12 Months

15.8%

How does BOTJ drawdown profile look like?

BOTJ Financial Health

BOTJ Investor Care

Dividend Yield

3.11%

Dividend/Share (TTM)

0.34

Buy Backs (1Y)

0.37%

Diluted EPS (TTM)

1.97

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	40.8M	0	0	0
2023	34.0M	36.0M	37.8M	39.4M
2022	28.7M	29.1M	30.2M	31.9M
2021	29.6M	29.7M	29.7M	29.2M
2020	30.1M	29.8M	29.5M	29.7M
2019	28.1M	28.7M	29.3M	29.8M
2018	24.3M	25.2M	26.1M	27.0M
2017	21.8M	22.4M	23.0M	23.7M
2016	20.7M	21.0M	21.3M	21.6M
2015	19.0M	19.4M	19.9M	20.3M
2014	18.4M	18.5M	18.6M	18.7M
2013	18.6M	18.5M	18.3M	18.4M
2012	19.3M	19.0M	18.9M	18.8M
2011	21.1M	20.6M	20.0M	19.5M
2010	0	0	0	21.6M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Bank of the James

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 16, 2024	alford john r jr	bought	5,805	11.61	500	-
Feb 16, 2024	bryant william c iii	bought	11,259	11.79	955	-
Feb 07, 2024	doyle julie p	bought	11,930	11.93	1,000	-
Feb 07, 2024	jamerson phillip c	bought	23,808	11.904	2,000	-
Feb 06, 2024	bryant william c iii	bought	41,400	12.00	3,450	-
Feb 06, 2024	addison lewis c	bought	1,430	11.92	120	-
Feb 06, 2024	foster watt r jr	bought	10,003	11.98	835	-
Dec 12, 2023	sorenson eric john jr	acquired	858	10.7	80.2299	evp
Nov 17, 2023	jamerson phillip c	bought	2,955	9.85	300	-
Nov 17, 2023	sorenson eric john jr	acquired	783	10.00	78.378	evp

Which funds bought or sold BOTJ recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	MORGAN STANLEY	reduced	-0.06	-2,961	16,410	-%
May 15, 2024	FIRST MANHATTAN CO. LLC.	unchanged	-	-41,499	231,141	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	sold off	-100	-24.00	-	-%
May 15, 2024	Tower Research Capital LLC (TRC)	added	91.02	3,709	9,697	-%
May 15, 2024	CAPTRUST FINANCIAL ADVISORS	added	16.48	-1,357	1,544,300	0.01%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	4.19	-36,105	315,400	0.01%
May 14, 2024	Fourthstone LLC	reduced	-30.79	-541,062	768,360	0.25%
May 13, 2024	BHZ CAPITAL MANAGEMENT, LP	reduced	-39.59	-130,797	137,322	0.16%
May 13, 2024	UBS Group AG	new	-	6,351	6,351	-%
May 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	unchanged	-	-64,579	400,686	-%

Are Funds Buying or Selling BOTJ?

Are funds buying BOTJ calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own BOTJ

No. of Funds

Unveiling Bank of the James's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 10, 2023	basswood capital management, l.l.c.	0.00%	0	SC 13G/A
Feb 14, 2022	basswood capital management, l.l.c.	6.37%	302,080	SC 13G/A
Feb 02, 2022	eidelman virant capital	5.2%	246,848	SC 13G
Feb 12, 2021	basswood capital management, l.l.c.	9.37%	406,654	SC 13G/A
Feb 11, 2020	basswood capital management, l.l.c.	9.54%	417,155	SC 13G/A

Recent SEC filings of Bank of the James

View All Filings

Date Filed	Form Type	Document
May 17, 2024	10-Q	Quarterly Report
May 15, 2024	NT 10-Q	NT 10-Q
Apr 26, 2024	8-K	Current Report
Apr 18, 2024	8-K	Current Report
Apr 08, 2024	DEFA14A	DEFA14A
Apr 08, 2024	DEF 14A	DEF 14A
Apr 08, 2024	ARS	ARS
Mar 27, 2024	10-K	Annual Report
Mar 15, 2024	8-K	Current Report
Feb 20, 2024	4	Insider Trading

Peers (Alternatives to Bank of the James)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Bank of the James News

Latest updates

Bank of the James Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-0.3%	10,509	10,538	10,143	9,583	9,098	8,941	8,399	7,598	6,915	7,267	7,315	7,234	7,365	7,779	7,338	7,081	7,488	7,596	7,596	7,390	7,234
EBITDA Margin	-4.8%	1.00*	1.05*	1.15*	1.24*	1.30*	1.35*	1.35*	1.34*	1.34*	1.32*	1.29*	1.26*	1.18*	1.12*	-	-	-	-	-	-	-
Interest Expenses	-5.9%	6,950	7,389	7,364	7,345	7,642	8,289	7,900	7,124	6,390	6,799	6,822	6,710	6,748	6,889	6,203	5,918	6,136	6,105	6,165	6,152	6,130
Income Taxes	1055.4%	535	-56.00	511	633	487	442	601	574	534	431	465	508	458	397	369	191	242	309	371	343	306
Earnings Before Taxes	32.7%	2,722	2,052	2,589	3,167	2,471	2,396	3,175	2,866	2,673	2,290	2,346	2,522	2,293	2,107	1,823	1,012	1,237	1,829	1,845	1,720	1,540
EBT Margin	-1.1%	0.26*	0.26*	0.28*	0.31*	0.32*	0.35*	0.36*	0.35*	0.34*	0.32*	0.31*	0.29*	0.24*	0.21*	-	-	-	-	-	-	-
Net Income	3.7%	2,187	2,108	2,078	2,534	1,984	1,954	2,574	2,292	2,139	1,859	1,881	2,014	1,835	1,710	1,454	821	995	1,520	1,474	1,377	1,234
Net Income Margin	-1.2%	0.22*	0.22*	0.23*	0.25*	0.26*	0.28*	0.29*	0.28*	0.27*	0.26*	0.25*	0.24*	0.20*	0.17*	-	-	-	-	-	-	-
Free Cashflow	-149.9%	-1,709	3,427	2,205	-2,348	4,634	3,679	3,747	3,741	-3,046	5,931	430	2,035	5,044	5,787	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	1.6%	985	969	961	951	948	929	963	960	974	988	943	908	886	851	849	827	746	725	708	690	684
Cash Equivalents	17.7%	88.00	75.00	100	74.00	65.00	62.00	81.00	75.00	97.00	183	147	123	124	101	95.00	91.00	64.00	39.00	49.00	32.00	49.00
Net PPE	0.7%	18.00	18.00	18.00	18.00	18.00	18.00	18.00	18.00	18.00	18.00	17.00	17.00	17.00	17.00	17.00	17.00	16.00	17.00	17.00	16.00	14.00
Goodwill	0%	2.00	2.00	2.00	2.00	2.00	2.00	4.00	4.00	3.00	3.00	-	-	-	-	-	-	-	-	-	-	-
Liabilities	1.7%	924	909	911	898	896	878	914	906	913	918	874	840	821	785	783	763	683	664	647	631	627
Shareholder's Equity	0.7%	60.00	60.00	50.00	53.00	52.00	50.00	48.00	53.00	61.00	69.00	69.00	68.00	65.00	67.00	66.00	64.00	63.00	61.00	61.00	59.00	57.00
Retained Earnings	4.7%	38.00	37.00	35.00	33.00	31.00	31.00	29.00	27.00	25.00	23.00	22.00	20.00	26.00	25.00	23.00	22.00	22.00	21.00	20.00	19.00	17.00
Additional Paid-In Capital	0%	35.00	35.00	35.00	35.00	35.00	36.00	36.00	37.00	37.00	37.00	37.00	37.00	31.00	31.00	31.00	31.00	31.00	31.00	32.00	32.00	32.00
Shares Outstanding	0%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	4.00	-	-	-	-	-	-	-
Float	-	-	-	-	35.00	-	-	-	53.00	-	-	-	66.00	-	-	-	41.00	-	-	-	58.00	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-134.9%	-1,230	3,523	3,373	-2,227	4,823	3,949	4,236	4,120	-2,993	7,417	897	2,364	5,671	6,072	-1,291	227	191	2,633	1,638	1,008	313
Share Based Compensation	-	-	-	-	-	-	-	-	-	-	26.00	27.00	26.00	27.00	18.00	35.00	26.00	27.00	26.00	27.00	26.00	27.00
Cashflow From Investing	100.5%	124	-25,866	10,117	9,274	-16,860	12,323	-3,841	-19,436	-77,175	-15,285	-10,878	-20,755	-18,110	-790	-14,774	-53,232	6,743	-28,577	183	-17,185	-6,946
Cashflow From Financing	710.7%	14,340	-2,348	12,510	1,875	14,882	-35,530	5,771	-6,637	-6,178	43,725	33,988	17,630	35,603	560	20,309	79,608	18,152	15,599	15,505	177	4,438
Dividend Payments	25.5%	453	361	366	364	370	370	331	332	332	332	332	303	304	303	305	303	304	437	263	263	263
Buy Backs	-	-	-	-	184	813	-	1,402	-	-	-	-	215	212	-	-	-	275	-	-	-	-

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BOTJ Income Statement

2023-12-31

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements Of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Interest Income
Loans	$ 31,378	$ 26,175
Securities
US Government and agency obligations	1,273	1,235
Mortgage backed securities	1,899	1,656
Municipals - taxable	1,139	1,079
Municipals - tax exempt	73	73
Dividends	82	66
Corporates	560	566
Interest bearing deposits	496	282
Federal Funds sold	2,462	721
Total interest income	39,362	31,853
Deposits
NOW, money market savings	2,984	555
Time Deposits	5,796	732
FHLB borrowings	31
Finance leases	86	96
Capital notes	327	327
Other borrowings	398	440
Total interest expense	9,622	2,150
Net interest income	29,740	29,703
Recovery of credit losses	(179)	(900)
Net interest income after recovery of loan losses	29,919	30,603
Noninterest income
Gain on sales of loans held for sale	3,938	5,256
Service charges, fees and commissions	3,901	3,591
Wealth management fees	4,197	3,932
Life insurance income	548	452
Other	283	16
Loss on sales and calls of securities, net		(3)
Total noninterest income	12,867	13,244
Noninterest expenses
Salaries and employee benefits	18,311	17,682
Occupancy	1,819	1,814
Equipment	2,416	2,553
Supplies	530	521
Professional and other outside expenses	2,513	2,589
Data processing	2,783	2,467
Marketing	919	920
Credit expense	805	923
Other real estate expenses, net	40	214
FDIC insurance expense	419	500
Amortization of intangibles	560	560
Other	1,392	1,994
Total noninterest expenses	32,507	32,737
Income before income taxes	10,279	11,110
Income tax expense	1,575	2,151
Net Income	$ 8,704	$ 8,959
Weighted average shares outstanding - basic	4,562,374	4,698,041
Weighted average shares outstanding - diluted	4,562,374	4,698,041
Earnings per common share – basic	$ 1.91	$ 1.91
Earnings per common share – diluted	$ 1.91	$ 1.91

BOTJ Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 25,613,000	$ 30,025,000
Federal funds sold	49,225,000	31,737,000
Total cash and cash equivalents	74,838,000	61,762,000
Securities held-to-maturity, at amortized cost (fair value of $3,231 in 2023 and $3,135 in 2022), net of allowance for credit loss of $0 in 2023	3,622,000	3,639,000
Securities available-for-sale, at fair value	216,510,000	185,787,000
Restricted stock, at cost	1,541,000	1,387,000
Loans, net of allowance for credit losses of $7,412 in 2023 and $6,259 in 2022	601,921,000	605,366,000
Loans held for sale	1,258,000	2,423,000
Premises and equipment, net	18,141,000	17,974,000
Interest receivable	2,835,000	2,736,000
Cash value - bank owned life insurance	21,586,000	19,237,000
Other real estate owned	0	566,000
Customer relationship intangibles	7,285,000	7,845,000
Goodwill	2,054,000	2,054,000
Other assets	17,780,000	17,795,000
Total assets	969,371,000	928,571,000
Deposits
Noninterest bearing demand	134,275,000	154,884,000
NOW, money market and savings	538,229,000	560,479,000
Time deposits	205,955,000	132,775,000
Total deposits	878,459,000	848,138,000
Capital notes	10,042,000	10,037,000
Other borrowings	9,890,000	10,457,000
Interest payable	480,000	89,000
Other liabilities	10,461,000	9,624,000
Total liabilities	909,332,000	878,345,000
Commitments and Contingencies
Stockholders’ equity
Preferred stock; authorized 1,000,000 shares; none issued and outstanding
Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,543,338 and 4,628,657 as of December 31, 2023 and December 31, 2022	9,723,000	9,905,000
Additional paid-in-capital	35,253,000	36,068,000
Retained earnings	36,678,000	31,034,000
Accumulated other comprehensive loss	(21,615,000)	(26,781,000)
Total stockholders’ equity	60,039,000	50,226,000
Total liabilities and stockholders’ equity	$ 969,371,000	$ 928,571,000

About Bank of the James

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 United 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. The company was founded in 1998 and is headquartered in Lynchburg, Virginia.

WEBSITE	bankofthejames.bank
INDUSTRY	Banks Diversified
EMPLOYEES	163

Bank of the James Frequently Asked Questions

What is the ticker symbol for Bank of the James? What does BOTJ stand for in stocks?

BOTJ is the stock ticker symbol of Bank of the James. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Bank of the James (BOTJ)?

As of Fri May 17 2024, market cap of Bank of the James is 49.75 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of BOTJ stock?

You can check BOTJ's fair value in chart for subscribers.

What is the fair value of BOTJ stock?

You can check BOTJ's fair value in chart for subscribers. The fair value of Bank of the James is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Bank of the James is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for BOTJ so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Bank of the James a good stock to buy?

The fair value guage provides a quick view whether BOTJ is over valued or under valued. Whether Bank of the James is cheap or expensive depends on the assumptions which impact Bank of the James's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for BOTJ.

What is Bank of the James's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, BOTJ's PE ratio (Price to Earnings) is 5.59 and Price to Sales (PS) ratio is 1.22. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. BOTJ PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Bank of the James's stock?

In the past 10 years, Bank of the James has provided 0.048 (multiply by 100 for percentage) rate of return.