Bank Of The Jame Financial (BOTJ) AI Stock Analysis

• Market Cap: $64.74M
• Dividend Yield: 3.51%
• Average Volume (3M): 2.07K
• Price to Earnings (P/E): 9.8
• Beta (1Y): 0.25
• Revenue Growth: 12.23%
• EPS Growth: -25.92%
• Country: US
• Employees: 162
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.18
• Shares Outstanding: 4,543,338
• 10 Day Avg. Volume: 2,298
• 30 Day Avg. Volume: 2,073
• PEG Ratio: -1.45
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.98
• 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

• Rating: 72 Outperform
• Price Target: ―

Bank Of The Jame Financial demonstrates strong financial performance with steady revenue growth and a solid capital structure, although the absence of cash flow data is a notable concern. The technical indicators suggest a stable but slightly bearish trend, while the valuation metrics indicate the stock is undervalued with an attractive dividend yield, making it appealing despite some caution on cash flow transparency.

Bank Of The Jame Financial Business Overview & Revenue Model

Company Description

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 Unites 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. It operates through a network of 16 full-service offices, 2 limited-service offices, and 1 residential mortgage loan production office. The company was founded in 1998 and is headquartered in Lynchburg, Virginia.

How the Company Makes Money

Bank of the James Financial Group, Inc. generates revenue primarily through interest income from loans and deposits. The bank offers various loan products, including commercial, residential mortgage, and consumer loans, earning interest on the principal amounts. Additionally, BOTJ collects fees and service charges from banking services such as account maintenance, transaction processing, and overdraft protection. The bank also earns revenue from wealth management services, which include investment advisory and brokerage services, collecting fees based on the assets under management. Furthermore, BOTJ benefits from strategic partnerships and community involvement, which enhance its service offerings and customer base.

Bank Of The Jame Financial Financial Statement Overview

Summary

Bank Of The Jame Financial demonstrates strong revenue growth and efficient cost management, with a solid capital structure. However, the absence of recent cash flow data raises concerns about cash flow sustainability.

Income Statement

Bank Of The Jame Financial has demonstrated consistent revenue growth with a notable increase from 2023 to 2024. The gross profit margin remains strong at 100%, indicating excellent control over costs of revenue. However, the net profit margin decreased slightly from 22.1% in 2023 to 17.6% in 2024, which may suggest increased expenses or lower margins on incremental revenue.

Balance Sheet

The company maintains a relatively low debt-to-equity ratio of 0.30 in 2024, indicating conservative leverage. A strong equity ratio of 6.6% reflects a solid capital structure. The return on equity improved to 12.2%, showcasing efficient use of equity to generate profits. However, the decreasing equity ratio over the years suggests rising liabilities relative to assets, which could be a concern.

Cash Flow

The absence of reported operating and free cash flow for 2024 raises concerns about cash flow transparency and sustainability. Prior year data showed positive free cash flow growth, but the lack of current data makes it difficult to assess ongoing cash flow health. Historical cash flow ratios indicated strong cash conversion, but the recent lack of data is a significant drawback.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
45.03M	39.36M	42.02M	37.19M	35.01M
	Gross Profit
45.03M	39.36M	42.02M	37.19M	35.01M
	EBIT
13.43M	10.28M	13.26M	9.45M	6.18M
	EBITDA
0.00	12.25M	13.72M	11.51M	8.21M
	Net Income Common Stockholders
7.94M	8.70M	8.96M	7.59M	4.98M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
73.31M	74.84M	215.81M	191.17M	121.87M
	Total Assets
979.24M	969.37M	928.57M	987.63M	851.39M
	Total Debt
19.35M	19.93M	20.49M	21.02M	10.03M
	Net Debt
-53.96M	-5.68M	-9.53M	-8.32M	-21.66M
	Total Liabilities
914.38M	909.33M	878.35M	918.21M	784.65M
	Stockholders Equity
64.86M	60.04M	50.23M	69.43M	66.73M
Cash Flow		Free Cash Flow
5.96M	7.92M	8.12M	12.88M	3.45M
	Operating Cash Flow
7.24M	9.49M	9.31M	15.79M	5.20M
	Investing Cash Flow
0.00	-23.34M	-88.13M	-64.46M	-62.05M
	Financing Cash Flow
-2.41M	26.92M	-42.57M	130.95M	118.63M

Bank Of The Jame Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.25
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOTJ, the sentiment is Positive. The current price of 14.25 is above the 20-day moving average (MA) of 14.21, above the 50-day MA of 14.12, and above the 200-day MA of 13.81, indicating a bullish trend. The MACD of 0.08 indicates Positive momentum. The RSI at 52.87 is Neutral, neither overbought nor oversold. The STOCH value of 56.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	$64.74M	9.78	10.25%	3.51%	12.23%	-25.92%
AUBN	70 Neutral	$69.66M	11.52	8.32%	5.42%	22.78%	722.30%
Sector *	64 Neutral	$12.77B	9.77	7.59%	16985.66%	12.31%	-7.69%
BAFN	63 Neutral	$62.10M	6.90	10.87%	2.13%	8.22%	112.31%
BYFC	52 Neutral	$57.65M	158.72	0.57%	―	11.84%	-120.17%
SSBI	52 Neutral	$64.83M	10.38	-3.20%	4.08%	-3.54%	-138.07%
NSTS		$65.47M	―	-1.13%	―	―	―

Bank Of The Jame Financial Corporate Events

Bank of the James Announces Board Member Departures

On March 18, 2024, Thomas W. Pettyjohn, Jr. and James F. Daly announced their decision not to seek re-election to the Board of Directors of the Bank of the James Financial Group, Inc. and its subsidiary Bank of the James. Their retirement will be effective after the Annual Meeting of Shareholders on May 20, 2025. The company has decided not to fill these vacancies, reducing the board size from 13 to 11 members, and expressed gratitude for their contributions.