Bank of the James Financial Group, Inc. (BOTJ) Financial Ratios
25 years of historical data (2001–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
7.44
↑+55% vs avg
5yr avg: 4.81
30Y Low3.4·High34.1
P/FCF
↑
10.72
↑+36% vs avg
5yr avg: 7.91
30Y Low2.3·High61.6
P/B Ratio
↓
1.41
↑+33% vs avg
5yr avg: 1.05
30Y Low0.5·High3.4
ROE
↑
12.5%
-7% vs avg
5yr avg: 13.4%
30Y Low-3%·High16%
Debt/EBITDA
↓
0.71
↓-52% vs avg
5yr avg: 1.46
30Y Low0.6·High20.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BOTJ Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Bank of the James Financial Group, Inc. trades at 12.4x earnings, 53% above its 5-year average of 8.1x, sitting at the 54th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 10%. On a free-cash-flow basis, the stock trades at 10.7x P/FCF, 36% above the 5-year average of 7.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $112M | $84M | $72M | $56M | $56M | $73M | $53M | $67M | $57M | $65M | $66M |
| Enterprise Value | $93M | $65M | $68M | $50M | $46M | $65M | $31M | $41M | $35M | $50M | $49M |
| P/E Ratio → | 12.44 | 9.34 | 9.07 | 6.40 | 6.24 | 9.66 | 10.60 | 11.97 | 10.75 | 22.25 | 20.28 |
| P/S Ratio | 1.80 | 1.35 | 1.22 | 1.08 | 1.27 | 1.87 | 1.33 | 1.84 | 1.80 | 2.34 | 2.56 |
| P/B Ratio | 1.41 | 1.05 | 1.11 | 0.93 | 1.11 | 1.06 | 0.79 | 1.09 | 1.03 | 1.26 | 1.34 |
| P/FCF | 10.72 | 8.04 | 12.10 | 7.04 | 6.89 | 5.46 | 15.26 | 56.03 | 9.08 | 13.62 | 61.61 |
| P/OCF | 9.65 | 7.24 | 8.47 | 5.87 | 6.01 | 4.49 | 10.12 | 11.96 | 6.64 | 9.73 | 23.85 |
P/E links to full P/E history page with 30-year chart
BOTJ EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Bank of the James Financial Group, Inc.'s enterprise value stands at 7.4x EBITDA, 55% above its 5-year average of 4.8x. The Financial Services sector median is 11.5x, placing the stock at a 36% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.03 | 1.16 | 0.97 | 1.05 | 1.66 | 0.78 | 1.13 | 1.11 | 1.79 | 1.91 |
| EV / EBITDA | 7.44 | 5.19 | 5.75 | 4.09 | 3.38 | 5.65 | 3.77 | 4.78 | 4.66 | 8.12 | 8.87 |
| EV / EBIT | 8.32 | 5.80 | 6.87 | 4.87 | 4.18 | 6.89 | 5.01 | 5.93 | 5.31 | 9.34 | 10.28 |
| EV / FCF | — | 6.16 | 11.44 | 6.32 | 5.72 | 4.84 | 8.98 | 34.43 | 5.61 | 10.44 | 45.89 |
BOTJ Profitability
Margins and return-on-capital ratios measuring operating efficiency
Bank of the James Financial Group, Inc. earns an operating margin of 17.8%, below the Financial Services sector average of 20.2%. Operating margins have compressed from 20.0% to 17.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 12.5% is modest. ROIC of 9.7% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.9% | 77.9% | 75.0% | 81.6% | 97.2% | 95.9% | 82.1% | 84.1% | 85.8% | 85.7% | 84.7% |
| Operating Margin | 17.8% | 17.8% | 16.8% | 20.0% | 25.2% | 24.1% | 15.6% | 19.1% | 20.9% | 19.2% | 18.6% |
| Net Profit Margin | 14.4% | 14.4% | 13.5% | 16.9% | 20.3% | 19.3% | 12.6% | 15.4% | 16.7% | 10.5% | 12.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.5% | 12.5% | 12.7% | 15.8% | 15.0% | 11.1% | 7.8% | 9.6% | 9.9% | 5.8% | 6.7% |
| ROA | 0.9% | 0.9% | 0.8% | 0.9% | 0.9% | 0.8% | 0.6% | 0.8% | 0.8% | 0.5% | 0.6% |
| ROIC | 9.7% | 9.7% | 9.1% | 10.2% | 10.3% | 8.5% | 6.5% | 8.2% | 8.5% | 7.6% | 6.7% |
| ROCE | 2.0% | 2.0% | 10.6% | 12.0% | 12.3% | 10.1% | 7.6% | 10.0% | 10.9% | 9.8% | 8.7% |
BOTJ Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Bank of the James Financial Group, Inc. carries a Debt/EBITDA ratio of 0.7x, which is very conservative (83% below the sector average of 4.3x). The company holds a net cash position — cash of $29M exceeds total debt of $9M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.11 | 0.11 | 0.30 | 0.33 | 0.41 | 0.30 | 0.15 | 0.08 | 0.09 | 0.10 | — |
| Debt / EBITDA | 0.71 | 0.71 | 1.63 | 1.63 | 1.49 | 1.83 | 1.22 | 0.58 | 0.66 | 0.81 | — |
| Net Debt / Equity | — | -0.25 | -0.06 | -0.09 | -0.19 | -0.12 | -0.32 | -0.42 | -0.39 | -0.30 | -0.34 |
| Net Debt / EBITDA | -1.58 | -1.58 | -0.33 | -0.46 | -0.69 | -0.72 | -2.64 | -3.00 | -2.87 | -2.47 | -3.04 |
| Debt / FCF | — | -1.88 | -0.66 | -0.72 | -1.17 | -0.62 | -6.28 | -21.60 | -3.46 | -3.18 | -15.71 |
| Interest Coverage | 0.80 | 0.80 | 0.64 | 1.07 | 5.17 | 4.50 | 1.36 | 1.32 | 1.75 | 1.79 | 2.05 |
Net cash position: cash ($29M) exceeds total debt ($9M)
BOTJ Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Bank of the James Financial Group, Inc.'s current ratio of 496.36x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.28x to 496.36x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 496.36 | 496.36 | 0.05 | 0.28 | 0.26 | 0.22 | 0.16 | 0.14 | 0.13 | 0.14 | 0.12 |
| Quick Ratio | 496.36 | 496.36 | 0.05 | 0.28 | 0.26 | 0.22 | 0.16 | 0.14 | 0.13 | 0.14 | 0.12 |
| Cash Ratio | 161.23 | 161.23 | 0.03 | 0.03 | 0.04 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.03 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BOTJ Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Bank of the James Financial Group, Inc. returns 1.6% to shareholders annually primarily through dividends. The payout ratio of 20.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.6% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 20.1% | 20.1% | 22.9% | 16.8% | 15.2% | 16.7% | 24.4% | 21.9% | 19.8% | 35.9% | 32.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.0% | 10.7% | 11.0% | 15.6% | 16.0% | 10.3% | 9.4% | 8.4% | 9.3% | 4.5% | 4.9% |
| FCF Yield | 9.3% | 12.4% | 8.3% | 14.2% | 14.5% | 18.3% | 6.6% | 1.8% | 11.0% | 7.3% | 1.6% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.6% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M |
Peer Comparison
Compare BOTJ with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BOTJYou | $112M | 12.4 | 7.4 | 10.7 | 77.9% | 17.8% | 12.5% | 9.7% | 0.7 |
 CZWI | $207M | 14.7 | 15.7 | 19.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 MNSB | $184M | 14.2 | 11.9 | 17.3 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 NKSH | $231M | 14.6 | 11.7 | 15.3 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 CARE | $662M | 21.3 | 18.4 | 20.8 | 61.7% | 15.7% | 7.8% | 5.7% | 4.5 |
 FXNC | $273M | 15.4 | 7.0 | 13.0 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 BWFG | $444M | 12.5 | 7.6 | 17.0 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 FIS | $20B | 52.3 | 6.5 | 7.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 JKHY | $9B | 20.5 | 11.9 | 15.8 | 42.7% | 23.9% | 21.4% | 21.0% | — |
 FISV | $29B | 8.5 | 6.4 | 6.6 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 NRDS | $619M | 13.3 | 4.5 | 4.7 | 92.4% | 8.3% | 13.2% | 14.0% | — |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 25 years · Updated daily
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Run the NumbersIs BOTJ Undervalued Right Now?
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Compare NowBOTJ — Frequently Asked Questions
Quick answers to the most common questions about buying BOTJ stock.
What is Bank of the James Financial Group, Inc.'s P/E ratio?
Bank of the James Financial Group, Inc.'s current P/E ratio is 12.4x. The historical average is 21.0x. This places it at the 54th percentile of its historical range.
What is Bank of the James Financial Group, Inc.'s EV/EBITDA?
Bank of the James Financial Group, Inc.'s current EV/EBITDA is 7.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 9.4x.
What is Bank of the James Financial Group, Inc.'s ROE?
Bank of the James Financial Group, Inc.'s return on equity (ROE) is 12.5%. The historical average is 9.0%.
Is BOTJ stock overvalued?
Based on historical data, Bank of the James Financial Group, Inc. is trading at a P/E of 12.4x. This is at the 54th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Bank of the James Financial Group, Inc.'s dividend yield?
Bank of the James Financial Group, Inc.'s current dividend yield is 1.62% with a payout ratio of 20.1%.
What are Bank of the James Financial Group, Inc.'s profit margins?
Bank of the James Financial Group, Inc. has 77.9% gross margin and 17.8% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Bank of the James Financial Group, Inc. have?
Bank of the James Financial Group, Inc.'s Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.