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BOTJ

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

11.24USD+0.74 (+7.05%)Delayed as of 28 Mar 2024, 10:58 am ET

Market Summary

BOTJ
USD11.24+0.74
Delayedas of 28 Mar 2024, 10:58 am
7.05%

BOTJ Alerts

  • 1 major insider buys recently.

BOTJ Stock Price

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BOTJ RSI Chart

BOTJ Valuation

Market Cap

48.8M

Price/Earnings (Trailing)

5.6

Price/Sales (Trailing)

1.24

EV/EBITDA

-0.62

Price/Free Cashflow

6.16

BOTJ Price/Sales (Trailing)

BOTJ Profitability

EBT Margin

26.11%

Return on Equity

14.5%

Return on Assets

0.9%

Free Cashflow Yield

16.24%

BOTJ Fundamentals

BOTJ Revenue

Revenue (TTM)

39.4M

Rev. Growth (Yr)

17.86%

Rev. Growth (Qtr)

3.89%

BOTJ Earnings

Earnings (TTM)

8.7M

Earnings Growth (Yr)

7.88%

Earnings Growth (Qtr)

1.44%

Breaking Down BOTJ Revenue

52 Week Range

8.1211.60
(Low)(High)

Last 7 days

-0.6%

Last 30 days

-8.7%

Last 90 days

-11.7%

Trailing 12 Months

-9.4%

How does BOTJ drawdown profile look like?

BOTJ Financial Health

BOTJ Investor Care

Dividend Yield

2.98%

Dividend/Share (TTM)

0.32

Buy Backs (1Y)

1.84%

Diluted EPS (TTM)

1.92

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
202334.0M36.0M37.8M39.4M
202228.7M29.1M30.2M31.9M
202129.6M29.7M29.7M29.2M
202030.1M29.8M29.5M29.7M
201928.1M28.7M29.3M29.8M
201824.3M25.2M26.1M27.0M
201721.8M22.4M23.0M23.7M
201620.7M21.0M21.3M21.6M
201519.0M19.4M19.9M20.3M
201418.4M18.5M18.6M18.7M
201318.6M18.5M18.3M18.4M
201219.3M19.0M18.9M18.8M
201121.1M20.6M20.0M19.5M
201000021.6M

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

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
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

1–10 of 50

Which funds bought or sold BOTJ recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Mar 11, 2024
VANGUARD GROUP INC
added
0.01
248,952
1,768,110
-%
Feb 14, 2024
BANK OF AMERICA CORP /DE/
new
-
24.00
24.00
-%
Feb 14, 2024
Fourthstone LLC
added
17.74
353,796
1,309,420
0.26%
Feb 14, 2024
BHZ CAPITAL MANAGEMENT, LP
new
-
268,119
268,119
0.14%
Feb 14, 2024
Empowered Funds, LLC
added
9.04
42,646
195,115
-%
Feb 14, 2024
CAPTRUST FINANCIAL ADVISORS
added
2.2
254,130
1,545,660
-%
Feb 14, 2024
PETTYJOHN, WOOD & WHITE, INC
reduced
-1.13
326,145
2,359,170
0.51%
Feb 14, 2024
BRIDGEWAY CAPITAL MANAGEMENT, LLC
added
4.82
65,786
351,505
0.01%
Feb 14, 2024
SALZHAUER MICHAEL
unchanged
-
32,663
232,058
0.20%

1–10 of 26

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 FiledName of FilerPercent of ClassNo. of SharesForm 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
Mar 27, 2024
10-K
Annual Report
Mar 15, 2024
8-K
Current Report
Feb 20, 2024
4
Insider Trading
Feb 20, 2024
4
Insider Trading
Feb 09, 2024
4
Insider Trading
Feb 08, 2024
4
Insider Trading
Feb 07, 2024
4
Insider Trading
Feb 07, 2024
4
Insider Trading
Feb 07, 2024
4
Insider Trading
Feb 06, 2024
5/A
Insider Trading

Peers (Alternatives to Bank of the James)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
574.7B
171.1B
9.83% 42.39%
11.6
3.36
60.72% 31.52%
297.7B
130.3B
8.68% 33.18%
11.23
2.29
79.51% -3.68%
206.2B
85.7B
10.06% 39.05%
10.77
2.41
41.49% 39.96%
120.0B
133.3B
10.88% 37.45%
13
0.9
79.09% -
16.4B
10.2B
11.38% -2.76%
10.23
1.61
44.53% -22.43%
14.6B
7.9B
6.82% 30.36%
15.11
1.84
46.47% -49.56%
MID-CAP
7.2B
4.2B
2.60% 18.49%
8.16
1.72
56.25% -23.46%
6.4B
3.9B
0.02% 35.77%
9.4
1.62
45.91% -25.03%
3.3B
1.3B
-0.91% 7.40%
12.35
2.6
43.24% -22.35%
3.2B
2.0B
-1.30% -0.93%
17.55
1.64
70.97% -50.03%
SMALL-CAP
509.4M
120.2M
2.72% 45.71%
19.47
4.24
25.23% -24.02%
428.7M
164.9M
-6.65% 19.35%
36.65
2.6
42.66% -70.76%
411.8M
162.6M
-0.86% -7.25%
13.69
2.53
25.39% -38.37%
313.8M
96.6M
-6.16% 2.24%
9.9
3.25
11.02% -11.37%
46.8M
60.9M
-6.19% -32.56%
-13.99
0.77
24.06% -144.92%

Bank of the James News

Latest updates
Stock Traders Daily • 21 Mar 2024 • 08:04 am
Citybuzz • 7 years ago

Bank of the James Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Thousands)
Income Statement (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Revenue3.9%10,53810,1439,5839,0988,9418,3997,5986,9157,2677,3157,2347,3657,7797,3387,0817,4887,5967,5967,3907,2347,111
EBITDA Margin-6.4%1.08*1.15*1.24*1.30*1.35*1.35*1.34*1.34*1.32*1.29*1.26*1.18*1.12*1.10*-------
Interest Expenses-100.0%-7,3647,3457,6428,2897,9007,1246,3906,7996,8226,7106,7486,8896,2035,9186,1366,1056,1656,1526,1306,052
Income Taxes-111.0%-56.00511633487442601574534431465508458397369191242309371343306380
Earnings Before Taxes-20.7%2,0522,5893,1672,4712,3963,1752,8662,6732,2902,3462,5222,2932,1071,8231,0121,2371,8291,8451,7201,5401,855
EBT Margin-7.2%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*0.20*-------
Net Income1.4%2,1082,0782,5341,9841,9542,5742,2922,1391,8591,8812,0141,8351,7101,4548219951,5201,4741,3771,2341,475
Net Income Margin-2.3%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*0.16*-------
Free Cashflow55.4%3,4272,205-2,3484,6343,6793,7473,741-3,0465,9314302,0355,0445,787-2,105-------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Assets0.9%969961951948929963960974988943908886851849827746725708690684675
    Cash Equivalents-24.8%75.0010074.0065.0062.0081.0075.0097.0018314712312410195.0091.0064.0039.0049.0032.0049.0050.00
  Net PPE-1.3%18.0018.0018.0018.0018.0018.0018.0018.0018.0017.0017.0017.0017.0017.0017.0016.0017.0017.0016.0014.0013.00
  Goodwill0%2.002.002.002.002.004.004.003.003.00------------
Liabilities-0.2%909911898896878914906913918874840821785783763683664647631627620
Shareholder's Equity19.8%60.0050.0053.0052.0050.0048.0053.0061.0069.0069.0068.0065.0067.0066.0064.0063.0061.0061.0059.0057.0055.00
  Retained Earnings5.0%37.0035.0033.0031.0031.0029.0027.0025.0023.0022.0020.0026.0025.0023.0022.0022.0021.0020.0019.0017.0017.00
  Additional Paid-In Capital0%35.0035.0035.0035.0036.0036.0037.0037.0037.0037.0037.0031.0031.0031.0031.0031.0031.0032.0032.0032.0031.00
Shares Outstanding0%5.005.005.005.005.005.005.005.005.005.005.005.004.00--------
Float-------53.00---66.00---41.00---58.00--
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Cashflow From Operations4.4%3,5233,373-2,2274,8233,9494,2364,120-2,9937,4178972,3645,6716,072-1,2912271912,6331,6381,0083132,688
  Share Based Compensation---------26.0027.0026.0027.0018.0035.0026.0027.0026.0027.0026.0027.00-
Cashflow From Investing-355.7%-25,86610,1179,274-16,86012,323-3,841-19,436-77,175-15,285-10,878-20,755-18,110-790-14,774-53,2326,743-28,577183-17,185-6,946-7,160
Cashflow From Financing-118.8%-2,34812,5101,87514,882-35,5305,771-6,637-6,17843,72533,98817,63035,60356020,30979,60818,15215,59915,5051774,4384,333
  Dividend Payments-1.4%361366364370370331332332332332303304303305303304437263263263263
  Buy Backs---184813-1,402----215212---275-----

BOTJ Income Statement

2023-09-30
Consolidated Statements Of Income - USD ($)
3 Months Ended9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Interest Income    
Loans$ 7,990,000$ 6,830,000$ 23,251,000$ 18,909,000
Securities    
U.S. Government and agency obligations321,000331,000962,000911,000
Mortgage backed securities435,000437,0001,255,0001,196,000
Municipals - taxable286,000257,000853,000812,000
Municipals - tax exempt18,00032,00055,00055,000
Dividends8,0005,00049,00036,000
Corporates139,000144,000423,000395,000
Interest bearing deposits134,000101,000375,000135,000
Federal Funds sold812,000262,0001,601,000463,000
Total interest income10,143,0008,399,00028,824,00022,912,000
Deposits    
NOW, money market savings894,000133,0001,916,000374,000
Time deposits1,683,000143,0003,918,000467,000
FHLB borrowings  31,000 
Finance leases22,00024,00066,00073,000
Other borrowings98,000117,000297,000339,000
Capital notes82,00082,000245,000245,000
Total interest expense2,779,000499,0006,473,0001,498,000
Net interest income7,364,0007,900,00022,351,00021,414,000
Recovery of credit losses(164,000)(300,000)(278,000)(900,000)
Net interest income after recovery of credit losses7,528,0008,200,00022,629,00022,314,000
Noninterest income    
Gain on sales of loans held for sale989,0001,472,0003,065,0004,675,000
Service charges, fees and commissions1,004,0001,313,0002,942,0002,563,000
Wealth management fees1,050,000959,0003,098,0002,935,000
Life insurance income139,000113,000405,000338,000
Other19,000(3,000)179,0008,000
Total noninterest income3,201,0003,854,0009,689,00010,519,000
Noninterest expenses    
Salaries and employee benefits4,683,0004,529,00013,296,00013,051,000
Occupancy458,000445,0001,389,0001,348,000
Equipment501,000647,0001,813,0001,870,000
Supplies118,000116,000399,000380,000
Professional, data processing, and other outside expense1,371,0001,619,0004,154,0003,544,000
Marketing204,000222,000683,000661,000
Credit expense218,000244,000623,000765,000
Other real estate expenses, net3,000195,00036,000207,000
FDIC insurance expense126,000121,000321,000382,000
Amortization of intangibles46,000140,000420,000420,000
Other412,000601,000957,0001,491,000
Total noninterest expenses8,140,0008,879,00024,091,00024,119,000
Income before income taxes2,589,0003,175,0008,227,0008,714,000
Income tax expense511,000601,0001,631,0001,709,000
Net Income$ 2,078,000$ 2,574,000$ 6,596,000$ 7,005,000
Weighted average shares outstanding - basic4,543,3384,683,5814,568,7894,721,423
Weighted average shares outstanding - diluted4,543,3384,683,5814,568,7894,721,423
Earnings per common share – basic$ 0.46$ 0.55$ 1.44$ 1.48
Earnings per common share – diluted$ 0.46$ 0.55$ 1.44$ 1.48

BOTJ Balance Sheet

2023-09-30
Consolidated Balance Sheets - USD ($)
Sep. 30, 2023
Dec. 31, 2022
Assets  
Cash and due from banks$ 20,105,000$ 30,025,000
Federal funds sold79,424,00031,737,000
Total cash and cash equivalents99,529,00061,762,000
Securities held-to-maturity, at amortized cost (fair value of $3,028 in 2023 and $3,135 in 2022) net of allowance for credit loss of $0 in 20233,626,0003,639,000
Securities available-for-sale, at fair value181,977,000185,787,000
Restricted stock, at cost1,541,0001,387,000
Loans, net of allowance for credit losses of $7,320 in 2023 and $6,259 in 2022599,585,000605,366,000
Loans held for sale3,325,0002,423,000
Premises and equipment, net18,371,00017,974,000
Interest receivable2,707,0002,736,000
Cash value - bank owned life insurance21,443,00019,237,000
Other real estate owned0566,000
Customer relationship intangibles7,425,0007,845,000
Goodwill2,054,0002,054,000
Other assets19,304,00017,795,000
Total assets960,887,000928,571,000
Deposits  
Noninterest bearing demand154,628,000154,884,000
NOW, money market and savings524,721,000560,479,000
Time deposits200,854,000132,775,000
Total deposits880,203,000848,138,000
Capital notes, net10,041,00010,037,000
Other borrowings10,030,00010,457,000
Interest payable381,00089,000
Other liabilities10,103,0009,624,000
Total liabilities910,758,000878,345,000
Commitments and Contingencies
Stockholders’ equity  
Preferred stock; authorized 1,000,000 shares; none issued and outstanding
Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,543,338 as of September 30, 2023 and 4,628,657 as of December 31, 20229,723,0009,905,000
Additional paid-in-capital35,253,00036,068,000
Retained earnings34,931,00031,034,000
Accumulated other comprehensive (loss)(29,778,000)(26,781,000)
Total stockholders’ equity50,129,00050,226,000
Total liabilities and stockholders’ equity$ 960,887,000$ 928,571,000
BOTJ
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.
 WEBSITEwww.bankofthejames.bank
 EMPLOYEES163

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 Wed Mar 27 2024, market cap of Bank of the James is 48.75 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 Wed Mar 27 2024, BOTJ's PE ratio (Price to Earnings) is 5.6 and Price to Sales (PS) ratio is 1.24. 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 0.044 (multiply by 100 for percentage) rate of return.