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STOCKS

Bank Of The Jame Financial (BOTJ)

NASDAQ:BOTJ

BOTJ

Bank Of The Jame Financial

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Bank Of The Jame Financial (BOTJ) Ratios

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Bank Of The Jame Financial Ratios

BOTJ's free cash flow for Q1 2025 was $0.76. For the 2025 fiscal year, BOTJ's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	533.61	0.33	2.46K	4.20K	1.46K
Quick Ratio	783.99	0.33	3.19K	8.25K	2.69K
Cash Ratio	178.00	0.03	337.36	637.76	372.74
Solvency Ratio	0.01	0.01	0.01	0.01	<0.01
Operating Cash Flow Ratio	32.32	0.01	104.63	343.15	61.16
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -571.53M	$ -615.15M	$ -659.80M	$ -724.90M	$ -660.44M
Leverage Ratios
Debt-to-Assets Ratio	<0.01	0.02	0.02	0.02	0.01
Debt-to-Equity Ratio	0.08	0.33	0.41	0.30	0.15
Debt-to-Capital Ratio	0.08	0.25	0.29	0.23	0.13
Long-Term Debt-to-Capital Ratio	0.08	0.25	0.29	0.23	0.13
Financial Leverage Ratio	11.79	16.15	18.49	14.23	12.76
Debt Service Coverage Ratio	1.38	1.11	5.38	4.59	1.54
Interest Coverage Ratio	1.32	1.07	6.17	4.50	1.36
Debt to Market Cap	0.07	0.36	0.37	0.29	0.19
Interest Debt Per Share	2.13	6.48	4.82	4.87	3.05
Net Debt to EBITDA	-3.00	-0.46	-0.69	-0.72	-2.64
Profitability Margins
Gross Profit Margin	100.00%	106.65%	100.00%	100.00%	100.00%
EBIT Margin	22.31%	26.11%	26.44%	25.42%	17.65%
EBITDA Margin	27.66%	31.11%	32.65%	30.95%	23.45%
Operating Profit Margin	22.31%	26.11%	31.55%	25.42%	17.65%
Pretax Profit Margin	22.31%	26.11%	26.44%	25.42%	17.65%
Net Profit Margin	18.03%	22.11%	21.32%	20.41%	14.22%
Continuous Operations Profit Margin	18.03%	22.11%	21.32%	20.41%	14.22%
Net Income Per EBT	80.83%	84.68%	80.64%	80.30%	80.60%
EBT Per EBIT	100.00%	100.00%	83.79%	100.00%	100.00%
Return on Assets (ROA)	0.77%	0.90%	0.96%	0.77%	0.58%
Return on Equity (ROE)	9.11%	14.50%	17.84%	10.93%	7.46%
Return on Capital Employed (ROCE)	0.96%	11.37%	1.43%	0.96%	0.73%
Return on Invested Capital (ROIC)	3.26%	9.62%	4.34%	1.96%	2.12%
Return on Tangible Assets	0.77%	0.91%	0.98%	0.78%	0.59%
Earnings Yield	8.39%	15.61%	16.01%	10.34%	9.46%
Efficiency Ratios
Receivables Turnover	16.66	13.88	15.36	17.37	14.90
Payables Turnover	0.00	19.67	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.91	2.17	2.34	2.04	2.11
Asset Turnover	0.04	0.04	0.05	0.04	0.04
Working Capital Turnover Ratio	0.36	-0.06	0.20	0.23	0.32
Cash Conversion Cycle	21.91	7.74	23.76	21.02	24.50
Days of Sales Outstanding	21.91	26.29	23.76	21.02	24.50
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	18.55	0.00	0.00	0.00
Operating Cycle	21.91	26.29	23.76	21.02	24.50
Cash Flow Ratios
Operating Cash Flow Per Share	1.16	2.08	1.98	3.32	1.09
Free Cash Flow Per Share	0.25	1.74	1.73	2.71	0.72
CapEx Per Share	0.91	0.34	0.25	0.61	0.37
Free Cash Flow to Operating Cash Flow	0.21	0.83	0.87	0.82	0.66
Dividend Paid and CapEx Coverage Ratio	0.99	3.13	3.64	3.78	1.75
Capital Expenditure Coverage Ratio	1.27	6.03	7.82	5.43	2.97
Operating Cash Flow Coverage Ratio	1.12	0.48	0.45	0.75	0.52
Operating Cash Flow to Sales Ratio	0.18	0.24	0.22	0.42	0.15
Free Cash Flow Yield	1.79%	14.20%	14.51%	17.54%	6.55%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.92	6.41	6.25	9.67	10.57
Price-to-Sales (P/S) Ratio	2.15	1.42	1.33	1.97	1.50
Price-to-Book (P/B) Ratio	1.09	0.93	1.11	1.06	0.79
Price-to-Free Cash Flow (P/FCF) Ratio	55.95	7.04	6.89	5.70	15.26
Price-to-Operating Cash Flow Ratio	11.95	5.87	6.01	4.65	10.12
Price-to-Earnings Growth (PEG) Ratio	2.19	0.00	0.32	0.18	-1.02
Price-to-Fair Value	1.09	0.93	1.11	1.06	0.79
Enterprise Value Multiple	4.77	4.09	3.38	5.65	3.77
Enterprise Value	41.02M	50.07M	46.42M	65.08M	30.97M
EV to EBITDA	4.77	4.09	3.38	5.65	3.77
EV to Sales	1.32	1.27	1.10	1.75	0.88
EV to Free Cash Flow	34.35	6.32	5.72	5.05	8.98
EV to Operating Cash Flow	7.33	5.28	4.99	4.12	5.96
Tangible Book Value Per Share	12.70	11.11	8.58	12.35	13.90
Shareholders’ Equity Per Share	12.79	13.16	10.69	14.62	13.97
Tax and Other Ratios
Effective Tax Rate	0.19	0.15	0.19	0.20	0.19
Revenue Per Share	6.46	8.63	8.95	7.83	7.33
Net Income Per Share	1.16	1.91	1.91	1.60	1.04
Tax Burden	0.81	0.85	0.81	0.80	0.81
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.45	0.49	0.43	0.47	0.46
Stock-Based Compensation to Revenue	<0.01	0.00	0.00	<0.01	<0.01
Income Quality	1.00	1.09	1.04	2.08	1.04

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