Bank of the James Financial Group

Bank of the James Financial Group

BOTJ · NASDAQ · Financial Services / Banks - Regional

24.88USD+0.11 (+0.44%)

Price History

Full chart

Market Stats

Previous Close24.77
Open24.76
Day Range24.35 – 25.04
52-Week Range14.17 – 29.55
Volume21.50K
Market Cap121.26M
P/E (TTM)10.55
Forward P/E0.00
EPS2.53
Dividend Yield1.52%
Beta0.18
50-Day Avg27.17
200-Day Avg22.82

About

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 United States. It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management). The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Robert R. Chapman III
  • Employees162
  • Headquarters828 Main Street, Lynchburg, VA, United States, 24504, USA
  • Websitehttps://www.bankofthejames.bank

Leadership

  • Mr. Robert R. Chapman IIIPresident, CEO & Vice Chairman · b. 1963
  • Mr. Michael A. SyrekPresident of Bank of the James · b. 1972
  • Mr. Eric J. Sorenson Jr.Principal Financial & Accounting Officer, Secretary, Treasurer and Director · b. 1967
  • Mr. Brandon P. FarmerExecutive VP & COO · b. 1980
  • Mr. Brian E. CashPresident of Bank of the James Mortgage
  • Mr. Bradford K. HarrisMarket President - Roanoke Valley

Financials

Income Statement

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.57M7.90M9.38M11.26M14.12M16.99M20.47M19.55M23.54M25.11M22.94M22.15M21.68M22.10M24.19M25.94M27.93M31.68M36.35M39.55M39.29M44.17M51.42M58.96M62.51M
Growth (%)-+41.89%+18.73%+20.06%+25.36%+20.36%+20.43%-4.49%+20.42%+6.66%-8.62%-3.47%-2.12%+1.93%+9.49%+7.21%+7.66%+13.44%+14.75%+8.80%-0.66%+12.44%+16.41%+14.66%+6.01%
Cost of Revenue2.68M3.17M2.82M3.27M4.58M6.31M8.29M9.37M13.40M9.17M9.00M5.30M2.98M2.38M2.97M3.96M3.99M4.51M5.79M7.09M1.60M1.25M9.44M14.75M13.81M
Gross Profit2.89M4.73M6.56M8.00M9.54M10.68M12.18M10.18M10.14M15.94M13.94M16.84M18.70M19.72M21.22M21.98M23.94M27.17M30.56M32.46M37.69M42.92M41.98M44.21M48.69M
Gross Margin51.88%59.82%69.93%71.01%67.55%62.85%59.51%52.05%43.06%63.47%60.77%76.05%86.26%89.23%87.71%84.75%85.73%85.76%84.08%82.08%95.92%97.17%81.64%74.98%77.90%
Operating Expense2.40M3.49M4.41M5.77M6.83M7.93M9.02M10.81M11.47M13.50M13.44M14.17M14.60M15.02M15.88M17.17M18.58M20.54M23.63M26.28M28.23M31.81M31.70M34.29M37.55M
Operating Income485.79K1.23M2.15M2.23M2.71M2.75M3.16M-638.00K-1.34M2.43M507.00K2.67M4.10M4.70M5.34M4.81M5.36M6.63M6.93M6.18M9.45M11.11M10.28M9.92M11.14M
Operating Margin8.72%15.61%22.96%19.80%19.20%16.16%15.45%-3.26%-5.68%9.69%2.21%12.08%18.92%21.28%22.08%18.56%19.19%20.93%19.08%15.62%24.06%25.15%19.99%16.83%17.83%
EBITDA742.47K1.56M2.55M3.00M3.41M3.45M3.86M119.00K-470.00K3.25M1.22M3.36M4.82M5.46M6.11M5.58M6.17M7.56M8.60M8.21M11.51M13.72M12.25M11.86M12.47M
EBITDA Margin13.33%19.73%27.15%26.66%24.18%20.28%18.87%0.61%-2.00%12.93%5.33%15.15%22.24%24.70%25.25%21.51%22.10%23.87%23.66%20.75%29.30%31.06%23.81%20.12%19.95%
Net Income629.33K814.00K1.42M1.47M1.79M1.76M2.08M224.00K-642.00K1.82M600.00K2.13M3.06M3.41M3.69M3.29M2.92M5.30M5.61M4.98M7.59M8.96M8.70M7.94M9.02M
Net Income Margin11.30%10.30%15.09%13.07%12.69%10.39%10.18%1.15%-2.73%7.25%2.62%9.63%14.12%15.45%15.26%12.67%10.46%16.74%15.42%12.59%19.32%20.28%16.93%13.47%14.43%
R&D----------00000000-------
R&D as % of Total Revenue----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense2.26M2.55M2.27M2.51M3.78M5.68M7.83M8.02M9.25M6.39M4.19M3.02M2.44M2.33M2.69M2.34M2.99M3.79M5.26M4.54M2.10M2.15M9.62M15.41M13.85M
Interest Expense % of Total Revenue40.57%32.29%24.19%22.29%26.77%33.45%38.28%41.02%39.30%25.44%18.27%13.62%11.25%10.52%11.12%9.04%10.72%11.98%14.48%11.48%5.35%4.87%18.71%26.13%22.15%

Balance Sheet

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets75.59M114.07M145.01M171.03M195.85M232.71M270.06M328.61M437.68M418.93M427.44M441.38M434.51M460.87M527.45M574.20M626.34M674.90M725.39M851.39M987.63M928.57M969.37M979.24M1.04B
Total Liabilities66.47M104.10M133.70M158.24M181.18M210.78M245.54M303.97M413.96M393.43M400.63M411.77M404.74M426.09M479.26M524.77M574.68M619.75M663.84M784.65M918.21M878.35M909.33M914.38M958.98M
Total Equity9.12M9.97M11.31M12.79M14.68M21.93M24.52M24.64M23.73M25.50M26.80M29.61M29.77M34.78M48.20M49.42M51.66M55.14M61.55M66.73M69.43M50.23M60.04M64.86M80.05M
Cash2.66M3.80M5.25M3.98M4.99M6.74M4.31M10.58M10.07M11.66M17.68M16.83M16.67M12.74M15.95M16.94M20.27M26.73M30.79M31.68M29.34M30.02M25.61M23.29M28.54M
Total Debt---4.26M6.96M8.45M16.13M35.34M37.71M24.33M25.38M12.00M16.11M25.19M10.00M-5.00M5.00M5.18M10.14M21.02M20.49M19.93M19.35M8.80M
Net Debt-2.66M-3.80M-5.25M278.00K1.96M1.71M11.81M24.75M27.64M12.66M7.70M-4.83M-563.00K12.45M-5.95M-16.94M-15.27M-21.73M-25.79M-21.66M-8.32M-9.53M-5.68M-3.94M-19.74M

Cash Flow

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.09M1.95M1.79M2.43M3.57M2.35M2.44M2.25M1.65M7.72M7.12M5.05M4.79M5.63M3.35M2.79M6.72M8.57M5.59M5.20M16.35M9.31M9.49M8.51M11.66M
Investing Cash Flow-28.34M-33.95M-29.85M-33.30M-21.46M-36.37M-42.89M-49.28M-96.36M357.00K-9.51M1.15M-21.70M-30.29M-50.29M-47.21M-46.71M-38.77M-52.52M-62.05M-65.03M-88.13M-23.34M-11.17M-42.40M
Financing Cash Flow23.99M37.32M29.98M24.64M23.15M34.66M34.88M58.55M110.19M-20.62M6.96M11.46M-7.42M20.74M62.85M44.45M48.33M43.50M35.72M118.63M130.95M-42.57M26.92M1.14M41.90M
Capital Expenditure283.82K964.00K1.78M1.55M890.00K1.38M11.00K2.42M3.65M266.00K694.00K414.00K821.00K1.34M1.51M1.71M1.92M2.30M4.40M1.75M2.91M1.19M1.57M2.55M1.17M
Free Cash Flow808.93K982.01K6.00K881.00K2.68M975.00K2.43M-176.00K-2.00M7.46M6.43M4.63M3.97M4.28M1.83M1.08M4.80M6.27M1.19M3.45M13.44M8.12M7.92M5.96M10.49M
Dividends Paid----------000506.00K803.00K1.05M1.05M1.05M1.23M1.22M1.27M1.36M1.46M1.82M1.82M
FCF to OCF74.03%50.47%0.34%36.30%75.04%41.45%99.55%-7.83%-121.26%96.55%90.26%91.80%82.86%76.14%54.83%38.71%71.43%73.16%21.35%66.32%82.21%87.21%83.42%70.03%90.01%
Dividend Paid to FCF----------0.00%0.00%0.00%11.81%43.76%97.40%21.88%16.74%102.68%35.24%9.46%16.81%18.45%30.51%17.31%

Earnings

Report DateMar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Oct 21, 2016Jan 23, 2017Apr 21, 2017Jul 21, 2017Oct 20, 2017Jan 26, 2018May 10, 2018Jul 20, 2018Oct 19, 2018Jan 25, 2019Apr 26, 2019Jul 19, 2019Oct 18, 2019Jan 24, 2020Apr 24, 2020Jul 24, 2020Oct 23, 2020Jan 22, 2021Apr 23, 2021Jul 23, 2021Oct 22, 2021Feb 11, 2022May 12, 2022Jul 22, 2022Oct 21, 2022Feb 6, 2023Apr 21, 2023Jul 21, 2023Oct 20, 2023Feb 2, 2024Apr 26, 2024Jul 26, 2024Oct 25, 2024Jan 31, 2025Apr 30, 2025Aug 1, 2025Oct 23, 2025Jan 29, 2026Apr 28, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate-----------------------------------------------------------------------------------
EPS Actual0.110.130.130.170.110.130.160.160.140.14-0.370.140.050.05-0.340.050.100.210.050.130.090.02-0.060.100.130.150.200.210.220.220.180.190.230.250.250.250.250.260.200.180.220.220.060.150.170.180.230.280.260.300.320.340.280.310.340.350.230.190.340.390.420.420.400.390.450.480.550.420.430.560.460.450.480.470.440.360.190.600.610.600.610.71-
Surprise-----------------------------------------------------------------------------------
Timing------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---------------After-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-market--

Key Statistics & Ratios

Market Cap121.26M
Enterprise Value94.39M
Trailing P/E10.55
Forward P/E0.00
PEG Ratio0.00
Price / Sales2.37
Price / Book1.44
EPS2.53
Book Value18.30
Revenue (TTM)51.20M
Gross Profit (TTM)51.20M
Profit Margin22.44%
Operating Margin32.34%
Return on Equity14.84%
Return on Assets1.12%
Shares Outstanding4.54M
Shares Float3.48M
Beta0.18
Dividend Yield1.52%
Dividend Rate0.40
Payout Ratio15.84%

Ownership Breakdown

Institutions
31.92%
Insiders
12.74%
Retail / Other
55.34%

Top Institutional Holders

  • Fourthstone LLC
    334.49K7.36%
  • Pettyjohn Co
    218.86K4.82%
  • Vanguard Capital Management, LLC
    159.77K3.52%
  • CapTrust Financial Advisors
    147.31K3.24%
  • Daytona Street Capital LLC
    79.08K1.74%
  • Dimensional Fund Advisors, Inc.
    37.18K0.82%
  • Bridgeway Capital Management, LLC
    36.24K0.80%
  • Geode Capital Management, LLC
    35.45K0.78%
  • Vanguard Fiduciary Trust Co
    25.84K0.57%
  • Empowered Funds, LLC
    23.24K0.51%
  • First Manhattan Co. LLC
    22.31K0.49%
  • Krilogy Advisors LLC
    18.90K0.42%
  • Hillsdale Investment Management Inc.
    17.00K0.37%
  • LPL Financial Corp
    14.32K0.32%
  • Montvue Capital Management Inc
    13.30K0.29%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    111.40K2.45%
  • EA Bridgeway Omni Small-Cap Value ETF
    26.39K0.58%
  • Fidelity Extended Market Index
    19.17K0.42%
  • iShares Micro-Cap ETF
    13.87K0.31%
  • Bridgeway Omni Small-Cap Value N
    13.00K0.29%

Dividends

20263×
0.10Aug 21, 20260.10May 22, 20260.10Feb 17, 2026
20254×
0.10Nov 21, 20250.10Sep 12, 20250.10Jun 6, 20250.10Mar 7, 2025
20244×
0.10Nov 22, 20240.10Sep 6, 20240.10Jun 7, 20240.10Feb 29, 2024
20234×
0.08Nov 22, 20230.08Aug 31, 20230.08Jun 1, 20230.08Mar 2, 2023
20224×
0.08Nov 23, 20220.07Sep 1, 20220.07Jun 2, 20220.07Mar 3, 2022
20214×
0.07Nov 24, 20210.07Sep 2, 20210.06Jun 3, 20210.06Mar 4, 2021
20201×
0.06Nov 25, 2020

Stock Splits

  • Jun 24, 202111:10
  • Jun 17, 201011:10
  • Jun 12, 2009105:100
  • Jun 13, 200811:10
  • Mar 13, 20065:4
  • Mar 7, 20053:2
  • Jan 2, 200411:10