Bank of the James Financial Group BOTJ Ratios & Valuation
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 21.8%+7.1pp | 18.5%+0.6pp | 16.7%-2.7pp | 15.5%-4.5pp | 14.6%-6.5pp | |
| Free cash flow margin | 29.2%+11.9pp | 21.6%— | 22.6%— | 18.6%— | 17.3%— | |
| Returns | ||||||
| Return on equity | 14.6%+4.4pp | 12.5%-0.3pp | 10.9%-3.3pp | 10.7%-4.2pp | 10.2%-5.6pp | |
| Return on assets | 1.1%+0.4pp | 0.9%+0.1pp | 0.8%-0.1pp | 0.7%-0.2pp | 0.7%-0.3pp | |
| 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+18.9% | $17.62+23.4% | $16.94+11.8% | $15.77+16.1% | $15.04+13.1% | |
| Valuation | ||||||
| Market capitalization | $116.4M+84.6% | $84.42M+17.1% | $70.88M+13.5% | $64.74M+26.6% | $67.15M+42.7% | |
| Price / earnings | 10.6×+1.8× | 9.4×+0.3× | 9×+1.6× | 9×+3.0× | 10.2×+4.9× | |
| Price / sales | 2.3×+0.9× | 1.7×+0.1× | 1.5×+0.1× | 1.4×+0.2× | 1.5×+0.4× | |
| Price / book | 1.4×+0.6× | 1.1×-0.1× | 0.9×0.0× | 0.9×+0.1× | 1×+0.2× | |
| Free cash flow yield | 12.6%-0.9pp | 12.4%— | 15.1%— | 13.2%— | 11.6%— | |
| Earnings yield | 9.4%-1.9pp | 10.7%-0.3pp | 11.2%-2.3pp | 11.1%-5.6pp | 9.8%-9.1pp | |
| Dividend yield | 1.6%-1.3pp | 2.2%-0.4pp | 2.6%-0.2pp | 2.8%-0.4pp | 2.7%-0.6pp |
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.
