Bank of the James Financial Group BOTJ Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 18.5%+0.6pp | 17.9%-2.5pp | 20.4%-0.4pp | 20.9%+1.0pp | |
| Free cash flow margin | 21.6%+8.1pp | 13.4%— | —— | 18.9%-16.2pp | |
| Returns | |||||
| Return on equity | 12.5%-0.3pp | 12.7%-3.1pp | 15.8%+0.8pp | 15%+3.8pp | |
| Return on assets | 0.9%+0.1pp | 0.8%-0.1pp | 0.9%0.0pp | 0.9%+0.1pp | |
| Efficiency | |||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0×0.0× | 0.1×0.0× | 0.1×0.0× | 0.1×-0.1× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Per Share | |||||
| Book value per share | $17.62+23.4% | $14.28+8.5% | $13.16+23.1% | $10.69-26.9% | |
| Valuation | |||||
| Market capitalization | $116.4M+84.6% | $72.1M+29.9% | $55.52M+0.7% | $55.13M-24.8% | |
| Enterprise value | $3.29M+20.8% | $2.72M+118% | -$15.1M-661% | -$1.99M+97.9% | |
| Price / earnings | 10.6×+1.8× | 9.1×+2.7× | 6.4×+0.2× | 6.2×-3.5× | |
| Price / sales | 2.3×+0.9× | 1.6×+0.3× | 1.3×0.0× | 1.3×-0.6× | |
| Price / book | 1.4×+0.6× | 1.1×+0.2× | 0.9×-0.2× | 1.1×0.0× | |
| EV / sales | 0.1×0.0× | 0.1×+0.4× | -0.4×-0.3× | -0×+2.5× | |
| Free cash flow yield | 12.6%-0.9pp | 8.3%— | —— | 14.7%-3.6pp | |
| Earnings yield | 9.4%-1.9pp | 11%-4.7pp | 15.7%-0.6pp | 16.3%+5.9pp | |
| Dividend yield | 1.6%-1.3pp | 2.5%-0.1pp | 2.6%+0.2pp | 2.5%+0.7pp | |
| PEG ratio | 0.2×— | —— | —— | 0.3×+0.2× |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- 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.
