Bank Of The James Financial Group Inc - Understand $botj stock

$BOTJ Market Cap: $73.79 Million

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Financial Snapshot

Revenue

$2.930M

TTM

Gross Margin

Net Earnings

$8.433M

TTM

Current Assets

Current Liabilities

$10.41M

Q3 2024

Current Ratio

Total Assets

$1.008B

Q3 2024

Total Liabilities

$939.2M

Q3 2024

Book Value

$68.83M

Q3 2024

Cash

$109.2M

Q3 2024

P/E

8.750

Nov 29, 2024 EST

Free Cash Flow

$7.841M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$3.901M	$3.591M	$29.18M	$29.69M	$29.82M	$26.97M	$23.67M
YoY Change	8.63%	-87.69%	-1.7%	-0.44%	10.55%	13.97%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017
Revenue	$3.901M	$3.591M	$29.18M	$29.69M	$29.82M	$26.97M	$23.67M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.407M	$2.049M	$2.059M	$2.029M	$1.666M	$930.0K	$811.0K	$770.0K	$770.0K	$760.0K	$720.0K	$680.0K	$720.0K	$810.0K	$870.0K	$760.0K	$660.0K	$630.0K
YoY Change	-31.33%	-0.49%	1.48%	21.79%	79.14%	14.67%	5.32%	0.0%	1.32%	5.56%	5.88%	-5.56%	-11.11%	-6.9%	14.47%	15.15%	4.76%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017
Interest Expense	$9.622M	$2.150M	$2.102M	$4.540M	$5.264M	$3.795M	$2.993M
YoY Change	347.53%	2.28%	-53.7%	-13.75%	38.71%	26.8%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	$10.28M	$11.11M	$9.451M	$6.179M	$6.934M	$6.631M	$5.360M	$4.810M	$5.340M	$4.700M	$4.100M	$2.680M	$510.0K	$2.430M	-$1.340M	-$640.0K	$3.160M	$2.750M
YoY Change	-7.48%	17.55%	52.95%	-10.89%	4.57%	23.71%	11.43%	-9.93%	13.62%	14.63%	52.99%	425.49%	-79.01%	-281.34%	109.38%	-120.25%	14.91%
Income Tax	$1.575M	$2.151M	$1.862M	$1.199M	$1.329M	$1.329M	$2.438M	$1.530M	$1.650M	$1.290M	$1.040M	$540.0K	-$90.00K	$610.0K	-$700.0K	-$860.0K	$1.080M	$980.0K
% Of Pretax Income	15.32%	19.36%	19.7%	19.4%	19.17%	20.04%	45.49%	31.81%	30.9%	27.45%	25.37%	20.15%	-17.65%	25.1%			34.18%	35.64%
Net Earnings	$8.704M	$8.959M	$7.589M	$4.980M	$5.605M	$5.302M	$2.922M	$3.290M	$3.690M	$3.410M	$3.060M	$2.130M	$600.0K	$1.820M	-$640.0K	$220.0K	$2.080M	$1.770M
YoY Change	-2.85%	18.05%	52.39%	-11.15%	5.71%	81.45%	-11.19%	-10.84%	8.21%	11.44%	43.66%	255.0%	-67.03%	-384.38%	-390.91%	-89.42%	17.51%
Net Earnings / Revenue	223.12%	249.48%	26.01%	16.78%	18.8%	19.66%	12.35%
Basic Earnings Per Share	$1.91	$1.91	$1.60	$1.04	$1.28	$1.21	$0.67
Diluted Earnings Per Share	$1.91	$1.91	$1.60	$1.04	$1.28	$1.21	$0.67	$682.6K	$971.1K	$921.6K	$829.3K	$578.8K	$163.9K	$497.3K	-$178.8K	$66.27K	$642.0K	$746.8K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$18.14M	$17.97M	$23.12M	$22.20M	$22.50M	$13.40M	$12.10M	$10.90M	$10.00M	$9.300M	$8.700M	$8.300M	$8.700M	$8.900M	$10.50M	$7.700M	$6.000M	$5.600M
YoY Change	0.93%	-22.26%	4.15%	-1.33%	67.91%	10.74%	11.01%	9.0%	7.53%	6.9%	4.82%	-4.6%	-2.25%	-15.24%	36.36%	28.33%	7.14%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets					$1.200M	$1.800M	$1.400M	$2.400M	$1.400M	$1.200M	$2.600M	$1.400M	$1.400M				$400.0K	$600.0K
YoY Change					-33.33%	28.57%	-41.67%	71.43%	16.67%	-53.85%	85.71%	0.0%					-33.33%
Total Long-Term Assets
YoY Change
Total Assets	$969.4M	$928.6M	$987.6M	$851.4M	$725.4M	$674.9M	$626.3M	$574.2M	$527.1M	$460.9M	$434.5M	$441.4M	$427.4M	$418.9M	$437.7M	$328.6M	$270.1M	$232.7M
YoY Change
Accounts Payable	$480.0K	$89.00K	$46.00K	$100.0K	$200.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$200.0K	$300.0K	$400.0K	$300.0K
YoY Change	439.33%	93.48%	-54.0%	-50.0%	100.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-50.0%	-33.33%	-25.0%	33.33%
Accrued Expenses	$1.192M	$1.260M	$1.325M	$1.400M	$1.500M
YoY Change	-5.4%	-4.91%	-5.36%	-6.67%
Deferred Revenue
YoY Change
Short-Term Debt	$9.890M	$10.46M	$10.99M						$0.00	$3.200M	$4.100M	$0.00	$8.400M	$7.300M	$10.70M	$14.30M	$16.10M	$8.500M
YoY Change	-5.42%	-4.81%							-100.0%	-21.95%		-100.0%	15.07%	-31.78%	-25.17%	-11.18%	89.41%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$10.37M	$89.00K	$1.371M	$1.500M	$1.800M	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K	$200.0K	$300.0K	$400.0K	$400.0K
YoY Change	11551.69%	-93.51%	-8.6%	-16.67%	1700.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-50.0%	-33.33%	-25.0%	0.0%
Long-Term Debt	$10.04M	$10.04M	$13.78M	$14.10M	$9.400M	$5.000M	$5.000M	$0.00	$10.00M	$10.00M	$10.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.05%	-27.15%	-2.29%	50.0%	88.0%	0.0%		-100.0%	0.0%	0.0%
Other Long-Term Liabilities	$10.46M	$9.624M	$5.016M	$4.100M	$3.200M	$2.600M	$2.100M	$1.600M	$1.300M	$1.300M	$1.200M	$10.70M	$7.900M	$7.600M	$7.300M	$200.0K	$300.0K	$100.0K
YoY Change	8.7%	91.87%	22.34%	28.12%	23.08%	23.81%	31.25%	23.08%	0.0%	8.33%	-88.79%	35.44%	3.95%	4.11%	3550.0%	-33.33%	200.0%
Total Long-Term Liabilities	$20.50M	$19.66M	$18.79M	$18.20M	$12.60M	$7.600M	$7.100M	$1.600M	$11.30M	$11.30M	$11.20M	$10.70M	$7.900M	$7.600M	$7.300M	$200.0K	$300.0K	$100.0K
YoY Change	4.28%	4.62%	3.26%	44.44%	65.79%	7.04%	343.75%	-85.84%	0.0%	0.89%	4.67%	35.44%	3.95%	4.11%	3550.0%	-33.33%	200.0%
Total Liabilities	$909.3M	$878.3M	$918.2M	$784.7M	$663.9M	$619.8M	$574.7M	$524.8M	$478.9M	$426.1M	$404.7M	$411.8M	$400.6M	$393.4M	$414.0M	$304.0M	$245.5M	$210.8M
YoY Change	3.53%	-4.34%	17.01%	18.2%	7.12%	7.85%	9.51%	9.58%	12.39%	5.29%	-1.72%	2.8%	1.83%	-4.98%	36.18%	23.83%	16.46%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Basic Shares Outstanding	4.562M	4.698M	4.748M	4.776M	4.376M	4.378M	4.378M	4.378M	3.451M	3.365M	3.354M	3.343M
Diluted Shares Outstanding	4.562M	4.698M	4.748M	4.776M	4.382M	4.378M	4.379M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $73.792 Million

About BANK OF THE JAMES FINANCIAL GROUP INC

Bank of the James Financial Group, Inc. is a bank holding company, which engages in the provision of general retail and commercial banking services. The company is headquartered in Lynchburg, Virginia and currently employs 163 full-time employees. The company went IPO on 2000-07-14. The Bank is a wholly owned subsidiary of Bank of the James Financial Group, Inc. The Bank is engaged in a general retail and commercial banking business. The Bank’s services include personal, business and online banking, loans, and investments. The Bank serves individuals, small and medium-sized businesses and professionals of the Central Virginia area from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Roanoke, Rustburg, and Wytheville. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. The company also provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. The company also provides investment advisory services through its wholly owned subsidiary, Pettyjohn, Wood & White, Inc.

Industry: State Commercial Banks Peers: AMERISERV FINANCIAL INC /PA/ DELHI BANK CORP PNC FINANCIAL SERVICES GROUP, INC. UNITED BANCSHARES INC/OH