Bank Of The Jame Financial (BOTJ) AI Stock Analysis

• Market Cap: $59.06M
• Dividend Yield: 3.08%
• Average Volume (3M): 5.20K
• Price to Earnings (P/E): 7.3
• Beta (1Y): 0.46
• Revenue Growth: 14.55%
• EPS Growth: -8.39%
• Country: US
• Employees: 172
• Sector: Financial
• Sector Strength: 77
• Industry: Banking
• EPS (TTM): 1.75
• Shares Outstanding: 4,543,338
• 10 Day Avg. Volume: 5,113
• 30 Day Avg. Volume: 5,204
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.35
• Price to Cash Flow (P/CF): 2.90
• P/FCF Ratio: 1.80
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Bank Of The Jame Financial's strong financial performance, particularly in revenue growth and equity utilization, significantly contributes to its score. The valuation metrics are favorable, indicating potential undervaluation. However, the technical indicators suggest caution with possible bearish momentum, slightly dampening the overall score.

Bank Of The Jame Financial Business Overview & Revenue Model

Company Description

Bank of the James Financial Group, Inc. is a bank holding company, which engages in the provision of general retail and commercial banking services. It operates through the Community Banking, and Mortgage Banking segments. The Community Banking segment includes Bank of the James which provides loans, deposits, investments and insurance to retail and commercial customers throughout the bank's market areas. The Mortgage Banking segment offers a variety of mortgage loan products principally within the bank's market areas. The company was founded on October 3, 2003 and is headquartered in Lynchburg, VA.

How the Company Makes Money

Bank of the James Financial (BOTJ) generates revenue through various financial services and products. The primary revenue streams include interest income from loans and mortgages, fees from account maintenance and transactions, and financial advisory services. Additionally, BOTJ earns income from investment activities and partnerships with other financial institutions. These diverse revenue streams help the bank maintain a balanced and sustainable financial model.

Bank Of The Jame Financial Financial Statement Overview

Summary

Bank Of The Jame Financial presents a generally positive financial outlook with strong revenue growth and effective equity utilization. While profitability metrics like EBIT and net profit margins remain healthy, there are signs of increased operational costs. The balance sheet shows low leverage with a strong capability to generate cash from operations. However, there is room for improvement in managing free cash flow amidst fluctuating expenses.

Income Statement

Bank Of The Jame Financial demonstrates strong profitability with a consistent rise in total revenue over the years, culminating in a 36.5% growth in the TTM. The gross profit margin remains robust at 100% due to the nature of the banking industry. However, the net profit margin showed a slight decline in the TTM to 15.7% compared to the previous annual figure, indicating some cost challenges. The EBIT margin is healthy at 41% for the TTM, although the EBITDA margin has decreased to 11.8%, suggesting increased depreciation or amortization expenses.

Balance Sheet

The balance sheet is strong, with a low debt-to-equity ratio of 0.28 in the TTM, indicating prudent financial leverage. Return on equity (ROE) is solid at 12.3%, reflecting effective utilization of equity to generate profits. The equity ratio stands at 6.8%, which is relatively low and indicates a high reliance on liabilities, typical for banks. Overall, the balance sheet reflects stability with manageable debt levels.

Cash Flow

The operating cash flow to net income ratio is favorable at 1.15, showcasing effective cash generation from operations. However, the free cash flow to net income ratio has decreased, indicating potential challenges in maintaining free cash flow levels. Although the free cash flow growth rate is negative, reflecting a decrease from the previous period, the company still manages to maintain positive free cash flow.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
53.75M	39.36M	42.02M	37.19M	35.01M	31.09M
	Gross Profit
53.75M	39.36M	42.02M	37.19M	35.01M	31.09M
	EBIT
22.03M	10.28M	13.26M	9.45M	6.18M	6.93M
	EBITDA
6.36M	12.25M	13.72M	11.51M	8.21M	8.60M
	Net Income Common Stockholders
8.43M	8.70M	8.96M	7.59M	4.98M	5.61M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
79.45M	74.84M	215.81M	191.17M	121.87M	90.45M
	Total Assets
674.90M	969.37M	928.57M	987.63M	851.39M	725.39M
	Total Debt
5.00M	19.93M	20.49M	21.02M	10.03M	5.00M
	Net Debt
-21.73M	-5.68M	-9.53M	-8.32M	-21.66M	-25.79M
	Total Liabilities
619.75M	909.33M	878.35M	918.21M	784.65M	663.84M
	Stockholders Equity
55.14M	60.04M	50.23M	69.43M	66.73M	61.55M
Cash Flow		Free Cash Flow
6.76M	7.92M	8.12M	12.88M	3.45M	1.19M
	Operating Cash Flow
9.66M	9.49M	9.31M	15.79M	5.20M	5.59M
	Investing Cash Flow
-22.23M	-23.34M	-88.13M	-64.46M	-62.05M	-52.52M
	Financing Cash Flow
24.70M	26.92M	-42.57M	130.95M	118.63M	35.72M

Bank Of The Jame Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 13.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOTJ, the sentiment is Negative. The current price of 13 is above the 20-day moving average (MA) of 12.95, below the 50-day MA of 13.46, and below the 200-day MA of 13.08, indicating a bearish trend. The MACD of -0.15 indicates Negative momentum. The RSI at 45.16 is Neutral, neither overbought nor oversold. The STOCH value of 36.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BOTJ.

Bank Of The Jame Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	72 Outperform	$59.06M	7.33	12.72%	3.08%	14.55%	-8.39%
UBOH	68 Neutral	$85.63M	8.92	9.70%	3.22%	13.06%	9.31%
BFIN	67 Neutral	$154.51M	37.58	2.61%	3.23%	6.57%	-24.92%
Sector *	64 Neutral	$13.79B	10.52	9.20%	4.24%	17.25%	-7.60%
PEBK	63 Neutral	$144.08M	8.86	9.91%	2.88%	15.83%	2.51%
FVCB	63 Neutral	$190.42M	12.68	6.66%	―	22.60%	284.38%
FFNW	54 Neutral	$179.89M	168.02	0.66%	2.67%	2.28%	-83.16%