Bank of Botetourt Buchanan VA (BORT) AI Stock Analysis

• Market Cap: $85.84M
• Dividend Yield: 2.02%
• Average Volume (3M): 224.00
• Price to Earnings (P/E): 9.1
• Beta (1Y): -0.08
• Revenue Growth: 15.57%
• EPS Growth: 30.24%
• Country: US
• Employees: 97
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.40
• Shares Outstanding: 1,926,919
• 10 Day Avg. Volume: 275
• 30 Day Avg. Volume: 224
• PEG Ratio: -2.55
• Price to Book (P/B): 0.81
• Price to Sales (P/S): 2.19
• P/FCF Ratio: 9.01
• Enterprise Value/Market Cap: 0.99
• Enterprise Value/Revenue: 2.00
• Enterprise Value/Gross Profit: 2.49
• Enterprise Value/Ebitda: 7.42
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: ―

Bank of Botetourt's stock is supported by a strong financial foundation with low leverage and efficient cash management. The technical analysis presents a mixed outlook with neutral momentum, and the valuation indicates potential for upside given the low P/E ratio and solid dividend yield. These factors create a stable investment profile despite modest revenue growth.

Positive Factors

Balance Sheet Strength

A strong balance sheet with low leverage and high liquidity provides financial stability and flexibility for future growth opportunities.

Profitability

Consistent profitability and margin improvements indicate effective cost management and operational efficiency, supporting long-term sustainability.

Revenue Diversification

Diverse revenue streams reduce dependency on a single source, enhancing resilience against economic fluctuations and supporting steady growth.

Negative Factors

Modest Revenue Growth

Modest revenue growth may limit the company's ability to scale and compete, impacting its market position and long-term growth potential.

Free Cash Flow Volatility

Volatile Free Cash Flow can hinder the company's ability to invest in growth initiatives and manage unexpected expenses, affecting financial stability.

Decline in Net Income

A decline in net income could signal challenges in maintaining profitability, potentially impacting future earnings and shareholder returns.

Bank of Botetourt Buchanan VA Business Overview & Revenue Model

Company Description

Bank of Botetourt provides various banking products and services in Virginia. It offers checking, savings, money market, and individual retirement accounts; and certificates of deposit. The company also provides residential mortgage, home equity, consumer, auto, commercial real estate, lot, equipment, secured term, and agricultural and raw land loans, as well as lines of credit and overdrafts. In addition, it offers insurance products, including property and casualty, homeowner and renter, fire and flood, builders risk, automobile, motorcycle and boat, life, accident, disability, long-term care, personal article and umbrella, business auto, general and professional liability, and workers' compensation insurance products, as well as surety bonds; and cash management services. Further, the company provides personalized investment services, such as brokerage, retirement planning, risk management, portfolio and insurance analysis, and Medicare/Medicaid planning; and charitable, business succession, and estate planning services, as well as long term health care issues and tax reduction strategies related solutions. Additionally, it offers credit and debit cards; bill payment services; and online, mobile, and telephone banking, as well as remote deposit capture and merchant services. The company offers its services through thirteen branch offices in Botetourt, Roanoke, Rockbridge, and Franklin counties, as well as in the City of Salem and Town of Vinton, Virginia. The company was formerly known as Bank Of Buchanan and changed its name to Bank of Botetourt in July 1995. Bank of Botetourt was founded in 1899 and is headquartered in Buchanan, Virginia.

How the Company Makes Money

Bank of Botetourt generates revenue primarily through interest income from loans and mortgages, which are provided to individuals and businesses. The bank earns interest by charging a higher rate on loans than it pays on deposits. Additionally, Bank of Botetourt generates non-interest income from service fees on accounts, loan origination fees, and other financial services. The bank may also earn revenue through investment activities and partnerships with financial service providers to offer insurance and investment products. These diverse revenue streams help the bank maintain financial stability and growth.

Bank of Botetourt Buchanan VA Financial Statement Overview

Summary

Bank of Botetourt demonstrates solid financial health, highlighted by a robust balance sheet with low leverage and substantial liquidity. Consistent profitability and effective cost management are evident, although revenue growth is modest.

Income Statement

The company exhibits strong profitability with a consistent Gross Profit Margin and improving EBIT Margin. Revenue growth has been modest, with a slight decrease in the most recent year. The Net Profit Margin remains healthy, indicating effective cost management, despite a slight decline in net income year-over-year.

Balance Sheet

The balance sheet reflects a robust Equity Ratio and a strong Return on Equity, supported by a conservative debt position. The absence of total debt in the most recent year highlights low leverage risk, and there is substantial liquidity in the form of cash and short-term investments.

Cash Flow

Cash flow generation is stable, though there are fluctuations in Free Cash Flow due to variations in capital expenditures. The Operating Cash Flow to Net Income ratio indicates good cash conversion, but there is room for improvement in Free Cash Flow growth, which has seen some volatility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	42.48M	30.43M	29.15M	30.93M	27.79M	26.60M
Gross Profit	34.16M	30.43M	29.15M	28.62M	25.16M	21.94M
EBITDA	11.48M	11.06M	11.23M	10.81M	9.51M	6.68M
Net Income	9.13M	7.94M	8.17M	7.81M	6.88M	4.63M
Balance Sheet
Total Assets	886.26M	857.07M	789.02M	713.72M	662.23M	596.60M
Cash, Cash Equivalents and Short-Term Investments	0.00	66.76M	69.21M	100.66M	142.93M	98.77M
Total Debt	0.00	0.00	19.00M	0.00	3.00M	4.00M
Total Liabilities	798.47M	774.56M	714.25M	647.32M	603.09M	542.78M
Stockholders Equity	87.79M	82.51M	74.78M	66.39M	59.14M	53.82M
Cash Flow
Free Cash Flow	0.00	7.40M	9.13M	9.28M	6.25M	5.46M
Operating Cash Flow	0.00	11.20M	10.61M	9.90M	8.05M	6.28M
Investing Cash Flow	0.00	-71.04M	-105.05M	-101.61M	-23.65M	-34.59M
Financing Cash Flow	0.00	56.86M	62.99M	49.52M	59.82M	100.45M

Bank of Botetourt Buchanan VA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 44.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BORT, the sentiment is Positive. The current price of 44.55 is above the 20-day moving average (MA) of 43.59, above the 50-day MA of 42.19, and above the 200-day MA of 36.89, indicating a bullish trend. The MACD of 0.56 indicates Negative momentum. The RSI at 62.03 is Neutral, neither overbought nor oversold. The STOCH value of 73.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BORT.

Bank of Botetourt Buchanan VA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	76 Outperform	$83.19M	10.51	10.86%	2.18%	6.17%	-6.13%
BORT	71 Outperform	$85.84M	9.14	11.67%	2.02%	15.57%	30.24%
FUSB	71 Outperform	$77.68M	14.53	5.50%	2.08%	1.03%	-35.72%
UBCP	69 Neutral	$81.64M	10.89	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FNWB	59 Neutral	$91.88M	-11.75	-4.68%	2.88%	8.02%	21.36%
SSBI	45 Neutral	$77.53M	-54.92	-1.41%	―	-0.81%	-129.22%