📊 BOTJ Key Takeaways
Investment Thesis
Bank of the James demonstrates solid profitability with exceptional net margins (209.8%) and strong free cash flow generation ($9.2M), supported by a conservative leverage profile (0.11x Debt/Equity). However, the modest ROA of 0.6% and declining diluted EPS (-8.4% YoY) suggest underlying operational challenges that warrant careful monitoring before increasing exposure.
BOTJ Strengths
- Exceptional net profit margin of 209.8% indicates strong cost control and operational efficiency
- Strong free cash flow generation of $9.2M with 304.9% FCF margin demonstrates cash conversion ability
- Conservative capital structure with low leverage (0.11x Debt/Equity) and manageable long-term debt of $8.2M
- Healthy cash position of $85.5M provides liquidity cushion
BOTJ Risks
- Declining diluted EPS (-8.4% YoY) suggests deteriorating earnings quality despite high accounting profitability
- Very low ROA of 0.6% indicates inefficient asset utilization relative to the $1.0B asset base
- Weak interest coverage ratio of 2.2x provides limited buffer for adverse economic conditions
- Operating income ($7.7M) significantly exceeds revenue ($3.0M), raising questions about revenue quality and non-operating gains reliance
Key Metrics to Watch
- Net interest margin trends and loan portfolio quality
- Year-over-year EPS trajectory and sustainability of earnings
- Return on assets improvement and operational efficiency metrics
- Asset quality indicators and potential loan loss provisions
- Core operating revenue growth excluding non-interest income
BOTJ Financial Metrics
💡 AI Analyst Insight
The 304.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BOTJ Profitability Ratios
BOTJ vs Finance Sector
How BANK OF THE JAMES FINANCIAL GROUP INC compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BOTJ Balance Sheet & Liquidity
BOTJ 5-Year Financial Trend
5-Year Trend Summary: BANK OF THE JAMES FINANCIAL GROUP INC's revenue has grown significantly by 97% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.91 reflects profitable operations.
BOTJ Growth Metrics (YoY)
BOTJ Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $991.0K | $842.0K | $0.44 |
| Q2 2025 | $975.0K | $842.0K | $0.47 |
| Q1 2025 | $953.0K | $842.0K | $0.19 |
| Q3 2024 | $991.0K | $2.0M | $0.44 |
| Q2 2024 | $955.0K | $2.0M | $0.47 |
| Q1 2024 | $953.0K | $2.0M | $0.43 |
| Q3 2023 | $1.0M | $2.0M | $0.46 |
| Q2 2023 | $658.0K | $2.0M | $0.48 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
BOTJ Capital Allocation
BOTJ SEC Filings
Access official SEC EDGAR filings for BANK OF THE JAMES FINANCIAL GROUP INC (CIK: 0001275101)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BOTJ
What is the AI rating for BOTJ?
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BOTJ's key strengths?
Exceptional net profit margin of 209.8% indicates strong cost control and operational efficiency. Strong free cash flow generation of $9.2M with 304.9% FCF margin demonstrates cash conversion ability.
What are the risks of investing in BOTJ?
Declining diluted EPS (-8.4% YoY) suggests deteriorating earnings quality despite high accounting profitability. Very low ROA of 0.6% indicates inefficient asset utilization relative to the $1.0B asset base.
What is BOTJ's revenue and growth?
BANK OF THE JAMES FINANCIAL GROUP INC reported revenue of $3.0M.
Does BOTJ pay dividends?
BANK OF THE JAMES FINANCIAL GROUP INC pays dividends, with $1.4M distributed to shareholders in the trailing twelve months.
Where can I find BOTJ SEC filings?
Official SEC filings for BANK OF THE JAMES FINANCIAL GROUP INC (CIK: 0001275101) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BOTJ's EPS?
BANK OF THE JAMES FINANCIAL GROUP INC has a diluted EPS of $1.39.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.