Stock BOTJ BANK OF THE JAMES FINANCIAL GROUP, INC.
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Financials Bank of the James Financial Group, Inc.

Equities

BOTJ

US4702991088

Banks

Market Closed - Nasdaq
Other stock markets
 04:30:01 2024-04-26 pm EDT 		5-day change 1st Jan Change
10.15 USD +1.60% Intraday chart for Bank of the James Financial Group, Inc. +2.32% -16.94%
Apr. 26 Earnings Flash (BOTJ) BANK OF THE JAMES FINANCIAL GROUP Posts Q1 EPS $0.48 MT
Apr. 26 Bank of the James Financial Group, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 56.92 66.77 52.59 73.29 55.13 55.52
Enterprise Value (EV) 1 22.87 54.32 -32.78 -83.92 18.39 4.358
P/E ratio 10.7 x 11.9 x 10.6 x 9.67 x 6.25 x 6.41 x
Yield 1.85% 1.64% 2.31% 1.77% 2.43% 2.78%
Capitalization / Revenue 2.06 x 2.14 x 1.57 x 1.89 x 1.26 x 1.3 x
EV / Revenue 0.83 x 1.74 x -0.98 x -2.16 x 0.42 x 0.1 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.03 x 1.08 x 0.79 x 1.06 x 1.1 x 0.92 x
Nbr of stocks (in thousands) 4,816 4,810 4,773 4,741 4,629 4,543
Reference price 2 11.82 13.88 11.02 15.46 11.91 12.22
Announcement Date 3/22/19 3/20/20 3/29/21 3/29/22 3/31/23 3/27/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 27.7 31.22 33.57 38.79 43.85 42.79
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 6.631 6.934 6.179 9.451 11.11 10.28
Net income 1 5.302 5.605 4.98 7.589 8.959 8.704
Net margin 19.14% 17.95% 14.83% 19.57% 20.43% 20.34%
EPS 2 1.100 1.164 1.043 1.598 1.907 1.908
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.2182 0.2273 0.2545 0.2740 0.2900 0.3400
Announcement Date 3/22/19 3/20/20 3/29/21 3/29/22 3/31/23 3/27/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 34 12.4 85.4 157 36.7 51.2
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 9.93% 9.62% 7.77% 11.1% 15% 15.8%
ROA (Net income/ Total Assets) 0.81% 0.8% 0.63% 0.83% 0.94% 0.92%
Assets 1 650.6 700.2 788.5 919.5 958.2 949
Book Value Per Share 2 11.40 12.80 14.00 14.60 10.90 13.20
Cash Flow per Share 2 8.110 4.880 21.10 38.60 13.30 16.50
Capex 1 2.3 4.4 1.75 2.91 1.19 1.57
Capex / Sales 8.31% 14.09% 5.22% 7.5% 2.72% 3.68%
Announcement Date 3/22/19 3/20/20 3/29/21 3/29/22 3/31/23 3/27/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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