Bank Of The Jame Financial (BOTJ) AI Stock Analysis

• Market Cap: $63.15M
• Dividend Yield: 2.91%
• Average Volume (3M): 8.41K
• Price to Earnings (P/E): 9.6
• Beta (1Y): 0.23
• Revenue Growth: 12.23%
• EPS Growth: -25.92%
• Country: US
• Employees: 162
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 4,543,338
• 10 Day Avg. Volume: 1,734
• 30 Day Avg. Volume: 8,409
• PEG Ratio: 2.19
• Price to Book (P/B): 1.09
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 55.95
• Enterprise Value/Market Cap: 0.65
• Enterprise Value/Revenue: 0.24
• Enterprise Value/Gross Profit: 0.93
• Enterprise Value/Ebitda: 0.90
• 1Y Price Target: $16.00
• Price Target Upside: 15.11% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $15.50 ▲(11.51%Upside)

The overall stock score reflects the company's robust financial performance, characterized by strong cash flow and a solid balance sheet. While the valuation is attractive with a low P/E ratio and decent dividend yield, technical indicators suggest a lack of strong momentum, which could be a concern for short-term traders.

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 Jame Financial makes money primarily through interest income from loans and mortgages offered to individuals and businesses. The interest rates charged on these financial products are higher than the interest paid on deposits, creating a net interest margin, which is a significant revenue stream for the bank. Additionally, BOTJ generates revenue from non-interest income sources, such as fees for account maintenance, transaction services, and advisory services in wealth management. The company may also benefit from strategic partnerships with fintech firms to offer innovative financial solutions, contributing to its earnings. Furthermore, investment income from securities and other financial instruments forms a part of BOTJ's revenue model.

Bank Of The Jame Financial Financial Statement Overview

Summary

Bank Of The Jame Financial shows strong revenue and EBIT growth, indicating a solid operational performance. The company maintains efficient cost management and a conservative capital structure, which is crucial in the banking industry. However, the lack of reported cash flow figures for the latest period presents a risk, as cash flow is critical for sustaining operations and funding growth. Overall, while there are some areas of concern, the financial health appears robust, with potential improvements needed in cash flow reporting.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	44.38M	44.37M	52.19M	43.85M	38.79M	35.01M
Gross Profit	44.27M	44.21M	41.98M	42.92M	37.69M	35.01M
EBITDA	10.16M	11.86M	12.25M	13.72M	11.51M	8.21M
Net Income	6.60M	7.94M	8.70M	8.96M	7.59M	4.98M
Balance Sheet
Total Assets	1.01B	979.24M	969.37M	928.57M	987.63M	851.39M
Cash, Cash Equivalents and Short-Term Investments	218.54M	88.69M	291.35M	247.55M	344.42M	121.87M
Total Debt	0.00	19.35M	19.93M	20.49M	21.02M	10.03M
Total Liabilities	943.38M	914.38M	909.33M	878.35M	918.21M	784.65M
Stockholders Equity	68.35M	64.86M	60.04M	50.23M	69.43M	66.73M
Cash Flow
Free Cash Flow	8.43M	5.96M	7.92M	8.12M	12.88M	3.45M
Operating Cash Flow	10.50M	8.51M	9.49M	9.31M	15.79M	5.20M
Investing Cash Flow	-18.96M	0.00	-23.34M	-88.13M	-64.46M	-62.05M
Financing Cash Flow	15.35M	1.14M	26.92M	-42.57M	130.95M	118.63M

Bank Of The Jame Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 13.90
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 13.9 is below the 20-day moving average (MA) of 14.00, below the 50-day MA of 14.07, and above the 200-day MA of 13.83, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 47.13 is Neutral, neither overbought nor oversold. The STOCH value of 61.72 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	73 Outperform	$63.15M	9.57	10.25%	2.91%	12.23%	-25.92%
AUBN	70 Neutral	$99.01M	14.44	8.25%	3.81%	22.78%	722.30%
Sector *	68 Neutral	¥760.77B	10.93	7.55%	3.20%	7.81%	14.63%
BAFN	67 Neutral	$61.73M	6.80	10.87%	2.21%	8.22%	111.97%
BYFC	60 Neutral	$76.25M	158.72	0.10%	―	11.84%	-120.17%
SSBI	55 Neutral	$77.45M	10.38	-3.20%	3.43%	-3.54%	-138.07%
NSTS	―	$63.24M	―	-1.13%	―	―	―

Bank Of The Jame Financial Corporate Events

Bank of the James Financial Holds Annual Shareholder Meeting

On May 20, 2025, Bank of the James Financial Group, Inc. held its Annual Meeting of Shareholders, where approximately 78.37% of the outstanding shares were represented. During the meeting, shareholders elected three Group One directors for a three-year term, ratified the appointment of Elliott Davis, PLLC as the independent registered public accounting firm for 2025, and approved the executive compensation plan.