Bank of the James Financial Group BOTJ Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 21.8%+3.2pp | 18.5%+1.8pp | 16.7%+1.2pp | 15.5%+0.9pp | 14.6%-3.3pp | |
| Free cash flow margin | 29.2%+7.6pp | 21.6%-1.1pp | 22.6%+4.1pp | 18.6%+1.3pp | 17.3%+3.9pp | |
| Returns | ||||||
| Return on equity | 14.6%+2.2pp | 12.5%+1.6pp | 10.9%+0.1pp | 10.7%+0.5pp | 10.2%-2.5pp | |
| Return on assets | 1.1%+0.2pp | 0.9%+0.1pp | 0.8%+0.1pp | 0.7%+0.1pp | 0.7%-0.2pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Per Share | ||||||
| Book value per share | $17.89+1.5% | $17.62+4.0% | $16.94+7.4% | $15.77+4.9% | $15.04+5.4% | |
| Valuation | ||||||
| Market capitalization | $116.4M+84.6% | $84.42M+19.1% | $70.88M+9.5% | $64.74M-3.6% | $67.15M-6.9% | |
| Price / earnings | 10.6×+1.8× | 9.4×+0.4× | 9×-0.1× | 9×-1.1× | 10.2×+1.1× | |
| Price / sales | 2.3×+0.9× | 1.7×+0.2× | 1.5×+0.1× | 1.4×-0.1× | 1.5×-0.1× | |
| Price / book | 1.4×+0.6× | 1.1×+0.1× | 0.9×0.0× | 0.9×-0.1× | 1×-0.1× | |
| Free cash flow yield | 12.6%-0.9pp | 12.4%-2.7pp | 15.1%+1.9pp | 13.2%+1.6pp | 11.6%+3.4pp | |
| Earnings yield | 9.4%-1.9pp | 10.7%-0.5pp | 11.2%+0.1pp | 11.1%+1.2pp | 9.8%-1.2pp | |
| Dividend yield | 1.6%-1.3pp | 2.2%-0.4pp | 2.6%-0.2pp | 2.8%+0.1pp | 2.7%+0.2pp | |
| PEG ratio | 0.2×— | 0.7×— | —— | —— | —— |
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- Where do Bank of the James Financial Group's ratios come from?
- Every ratio is computed from Bank of the James Financial Group's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
