BOTJ Stock Forecast, Price Targets, Chart, Dividends & Analysis
Bank of the James Financial Group Inc.
BOTJ 
NSC
Sector: Financial Services
Industry: Banks - Regional - US
14.80
USD
-0.26
(-1.73%)
Previous close: 15.06 Open: 15.42 Bid: 6.04 Ask: 16.75
52 week range
9.65 17.05
Mkt Cap: 70 M Avg Vol (90 Days): 6,254
Last updated: Friday 20th December 2024
Metrics
Valuation
Price per Sales TTM ($) | 1.61 |
Price per Book TTM ($) | 1.01 |
PE Ratio (TTM) | 8.29 |
Book Value per Share ($) | 15.15 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -4.64% | |
1 Month Return | 2.77% | |
3 Month Return | 6.37% | |
1 Year Return | 27.61% | |
3 Year Return | 12.71% | |
5 Year Return | 13.31% | |
YTD Return | 21.11% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 46.70 |
14 Day SMA ($) | 15.59 |
14 Day EMA ($) | 15.28 |
Money Flow Index | 44.37 |
Average True Range | 0.60 |
50 Day SMA ($) | 14.22 |
200 Day SMA ($) | 12.39 |
ADX | 0.00 |
MACD | 0.09 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Profitability
Financials
BOTJ Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Amortization of intangibles | 301000.0 | 425000.0 | ||||||||
| Basic EPS from continuing operations | 1.01 | 1.07 | 0.75 | 0.67 | 1.21 | 1.28 | 1.15 | 1.6 | 1.91 | 1.91 |
| Basic EPS total | 1.01 | 1.07 | 0.75 | 0.67 | 1.21 | 1.28 | 1.15 | 1.6 | 1.91 | 1.91 |
| Basic weighted shares outstanding | 3 M | 3 M | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 5 M | 5 M |
| CreditLossesProvision | 55000.0 | 282000.0 | 2 M | 993000.0 | 716000.0 | 523000.0 | 3 M | 500000.0 | 900000.0 | 179000.0 |
| Depreciation | -756000.0 | -767000.0 | -811000.0 | -930000.0 | -1 M | 1 M | 2 M | 2 M | 1 M | |
| Depreciation unreconciled | 301000.0 | 425000.0 | 560000.0 | 560000.0 | ||||||
| DepreciationAndAmortization | -756000.0 | 301000.0 | 425000.0 | -811000.0 | -930000.0 | -1 M | 1 M | 2 M | 560000.0 | 560000.0 |
| Diluted EPS total | 1.01 | 1.07 | 0.75 | 0.67 | 1.21 | 1.28 | 1.15 | 1.6 | 1.91 | 1.91 |
| Diluted normalized net income/share | 1.01 | 1.07 | 0.75 | 0.67 | 1.21 | 1.28 | 1.15 | 1.6 | 1.91 | 1.91 |
| Diluted weighted shares outstanding | 3 M | 3 M | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 5 M | 5 M |
| DividendIncome | 63000.0 | 67000.0 | 67000.0 | 73000.0 | 74000.0 | 93000.0 | 78000.0 | 67000.0 | 66000.0 | 82000.0 |
| Dividends paid per share | 0.24 | 0.28 | 0.28 | 0.29 | 0.32 | |||||
| Equipment | 1 M | 2 M | 1 M | 2 M | 2 M | 2 M | 2 M | 3 M | 3 M | 2 M |
| FeesAndCommissions | 1 M | 1 M | 1 M | 2 M | ||||||
| GeneralAndAdministrativeExpense | 812000.0 | 1 M | 1 M | 1 M | 1 M | 1 M | 336000.0 | 548000.0 | 500000.0 | 419000.0 |
| Income before tax | 5 M | 5 M | 5 M | 5 M | 7 M | 7 M | 6 M | 9 M | 11 M | 10 M |
| Income restructuring and M&A | 220000.0 | 3 M | ||||||||
| Income taxes | 2 M | 2 M | 2 M | 3 M | 2 M | 2 M | 1 M | 2 M | 2 M | 2 M |
| InsuranceAndClaims | 812000.0 | 1 M | 1 M | 1 M | 1 M | 1 M | 336000.0 | 548000.0 | 500000.0 | 419000.0 |
| Interest expense | -2 M | -3 M | -2 M | -3 M | -4 M | -5 M | 5 M | 2 M | 2 M | 10 M |
| InterestExpenseForCapitalizedLeaseObligations | 220000.0 | 71000.0 | 115000.0 | 106000.0 | 96000.0 | 86000.0 | ||||
| InterestExpenseForDeposit | 2 M | 2 M | 2 M | 3 M | 4 M | 5 M | 4 M | 2 M | 1 M | 9 M |
| InterestExpenseForFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 2000.0 | 13000.0 | ||||||||
| InterestExpenseForLongTermDebt | 676000.0 | 628000.0 | 8000.0 | 187000.0 | 217000.0 | 200000.0 | 273000.0 | 327000.0 | 767000.0 | 756000.0 |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 896000.0 | 628000.0 | 8000.0 | 187000.0 | 217000.0 | 271000.0 | 388000.0 | 433000.0 | 863000.0 | 842000.0 |
| InterestExpenseForShortTermDebt | 9000.0 | 2000.0 | 4000.0 | |||||||
| InterestIncome | 19 M | 20 M | 22 M | 24 M | 27 M | 30 M | 30 M | 29 M | 32 M | 39 M |
| InterestIncomeAfterProvisionForLoanLoss | 16 M | 17 M | 16 M | 19 M | 22 M | 24 M | 23 M | 27 M | 29 M | 30 M |
| InterestIncomeFromDeposits | 14000.0 | 31000.0 | 82000.0 | 227000.0 | 326000.0 | 89000.0 | 33000.0 | 282000.0 | 496000.0 | |
| InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 17000.0 | 18000.0 | 34000.0 | 133000.0 | 393000.0 | 454000.0 | 102000.0 | 107000.0 | 721000.0 | 2 M |
| InterestIncomeFromInvestmentSecurities | 1 M | 731000.0 | 754000.0 | 997000.0 | 1 M | 1 M | 1 M | 2 M | 3 M | 3 M |
| InterestIncomeFromLoans | 18 M | 19 M | 21 M | 22 M | 25 M | 28 M | 28 M | 27 M | 28 M | 33 M |
| InterestIncomeFromLoansAndLease | 18 M | 19 M | 21 M | 22 M | 25 M | 28 M | 28 M | 27 M | 28 M | 33 M |
| InterestIncomeFromSecurities | 1 M | 731000.0 | 754000.0 | 997000.0 | 1 M | 1 M | 1 M | 2 M | 3 M | 3 M |
| InvestmentBankingProfit | 111000.0 | 4 M | 4 M | |||||||
| MarketingExpense | 472000.0 | 465000.0 | 686000.0 | 739000.0 | 611000.0 | 866000.0 | 667000.0 | 934000.0 | 920000.0 | 919000.0 |
| Net income from total operations | 3 M | 4 M | 3 M | 3 M | 5 M | 6 M | 5 M | 8 M | 9 M | 9 M |
| NetIncomeCommonStockholders | 3 M | 4 M | 3 M | 3 M | 5 M | 6 M | 5 M | 8 M | 9 M | 9 M |
| NetIncomeContinuousOperations | 3 M | 4 M | 3 M | 3 M | 5 M | 6 M | 5 M | 8 M | 9 M | 9 M |
| NetInterestIncome | 16 M | 17 M | 18 M | 20 M | 22 M | 24 M | 25 M | 27 M | 30 M | 30 M |
| NetOccupancyExpense | 1 M | 1 M | 1 M | 1 M | 2 M | 2 M | 2 M | 2 M | 2 M | 2 M |
| NonInterestExpense | -15 M | -16 M | -18 M | -19 M | -21 M | -24 M | 27 M | 29 M | 21 M | 33 M |
| NonInterestIncome | 4 M | 4 M | 5 M | 5 M | 5 M | 7 M | 11 M | 11 M | 13 M | 13 M |
| OccupancyAndEquipment | 2 M | 3 M | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M | 4 M | 4 M |
| Other special charges | -100000.0 | -692000.0 | -177000.0 | -365000.0 | -7 M | -7 M | -6 M | -7 M | ||
| OtherGandA | 812000.0 | 1 M | 1 M | 1 M | 1 M | 1 M | 336000.0 | 548000.0 | 500000.0 | 419000.0 |
| OtherInterestExpense | -25 M | -27 M | -30 M | -30 M | ||||||
| OtherNonInterestExpense | 2 M | 2 M | 3 M | 4 M | 4 M | -3 M | -4 M | -4 M | -5 M | |
| OtherNonInterestIncome | 376000.0 | 476000.0 | 424000.0 | 2 M | 2 M | 3 M | 3 M | 3 M | 4 M | 5 M |
| PromotionAndAdvertising | -472000.0 | -611000.0 | -866000.0 | 667000.0 | 934000.0 | 920000.0 | 919000.0 | |||
| Revenue per share | 301000.0 | 425000.0 | -242000.0 | 414000.0 | 414000.0 | 560000.0 | 560000.0 | |||
| SalariesAndWages | 8 M | 9 M | 9 M | 10 M | 11 M | 13 M | 15 M | 16 M | 18 M | 18 M |
| SecuritiesActivities | 143000.0 | 49000.0 | ||||||||
| Selling Gen & administrative expense | 10 M | 11 M | 14 M | 12 M | 14 M | 16 M | 17 M | 18 M | 20 M | 20 M |
| SellingAndMarketingExpense | 859000.0 | 884000.0 | 4 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M | 1 M |
| SellingExpense | 3 M | |||||||||
| ServiceChargeOnDepositorAccounts | 1 M | 1 M | 1 M | 2 M | ||||||
| Special income/charges | -2 M | -2 M | -3 M | -3 M | -4 M | -4 M | 3 M | 4 M | 4 M | 5 M |
| Total common shares outstanding | 3 M | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 5 M | 5 M |
| Total net income | 3 M | 4 M | 3 M | 3 M | 5 M | 6 M | 5 M | 8 M | 9 M | 9 M |
| Total ordinary shares | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Total revenues | 20 M | 22 M | 22 M | 24 M | 28 M | 31 M | 36 M | 38 M | 42 M | 43 M |
| TotalRevenue | 20 M | 22 M | 22 M | 24 M | 28 M | 31 M | 36 M | 38 M | 42 M | 43 M |
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