Stock Scorecard



Stock Summary for Bank of James Financial Group Inc (BOTJ) - $10.50 as of 9/28/2023 7:45:12 PM EST

Total Score

22 out of 29

Currently on the following lists
Growth Stock List
Tim's Recommendation
Buy

Growth List Algorithm Criteria for BOTJ

Positive earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for BOTJ

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for BOTJ

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2

Bonus Criteria for BOTJ

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Financial Details for BOTJ

Company Overview

Ticker BOTJ
Company Name Bank of James Financial Group Inc
Country USA
Description Bank of the James Financial Group, Inc. is the Bank of the James business providing general commercial and retail banking services to individuals, businesses, associations and organizations, and government authorities in Virginia, United States. The company is headquartered in Lynchburg, Virginia.
Sector Name FINANCE
Industry Name STATE COMMERCIAL BANKS
Most Recent Quarter 6/30/2023
Next Earnings Date 10/19/2023

Stock Price History

Last Day Price 10.50
Last Day Price Updated 9/28/2023 7:45:12 PM EST
Last Day Volume 3,306
Average Daily Volume 3,518
52-Week High 13.20
52-Week Low 7.99
Last Price to 52 Week Low 31.41 %

Valuation Measures

Trailing PE 5.28
Industry PE 8.24
Sector PE 22.54
5-Year Average PE 8.66
Free Cash Flow Ratio 2.13
Industry Free Cash Flow Ratio 3.22
Sector Free Cash Flow Ratio 11.21
Current Ratio Most Recent Quarter 83.23
Total Cash Per Share 4.93
Book Value Per Share Most Recent Quarter 11.61
Price to Book Ratio 1.19
Industry Price to Book Ratio 1.22
Sector Price to Book Ratio 2.01
Price to Sales Ratio Twelve Trailing Months 1.34
Industry Price to Sales Ratio Twelve Trailing Months 2.82
Sector Price to Sales Ratio Twelve Trailing Months 2.82

Share Statistics

Total Shares Outstanding 4,543,300
Market Capitalization 47,704,650
Institutional Ownership N/A

Dividends

Ex-Dividend Date 8/31/2023
Last Dividend Amount 0.08
Current Dividend Amount 0.08
Dividend Aristocrat? False
Trailing Annual Dividend Rate 0.39
Trailing Annual Dividend Yield 3.03 %
5-Year Dividend Payments Count 22
Dividend Payout Ratio 19.80 %

Income Statement

Quarterly Earnings Growth YOY 15.30 %
Annual Earnings Growth 18.05 %
Reported EPS 12 Trailing Months 1.97
Reported EPS Past Year 0.99
Reported EPS Prior Year 1.90
Net Income Twelve Trailing Months 9,046,000
Net Income Past Year 8,959,000
Net Income Prior Year 7,589,000
Quarterly Revenue Growth YOY 5.60 %
5-Year Revenue Growth 12.17 %

Balance Sheet

Total Cash Most Recent Quarter 22,389,000
Total Cash Past Year 30,025,000
Total Cash Prior Year 29,337,000
Net Cash Position Most Recent Quarter 12,349,000
Net Cash Position Past Year 19,988,000
Long Term Debt Past Year 10,037,000
Long Term Debt Prior Year 18,181,000
Total Debt Most Recent Quarter 10,040,000
Equity to Debt Ratio Past Year 0.83
Equity to Debt Ratio Most Recent Quarter 0.84
Total Stockholder Equity Past Year 50,226,000
Total Stockholder Equity Prior Year 69,429,000
Total Stockholder Equity Most Recent Quarter 52,732,000

Options

Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis

Yahoo Finance Chart Yahoo Finance Chart
MACD -0.07
MACD Signal 0.00
20-Day Bollinger Lower Band 8.22
20-Day Bollinger Middle Band 9.99
20-Day Bollinger Upper Band 11.76
Beta 0.74
RSI 34.16
50-Day SMA 10.87
200-Day SMA 11.80

System

Modified 9/28/2023 7:45:59 PM EST