Latest Ratios: P/E Ratio 12.7x · EV/EBITDA 7.6x · ROE 12.5%. (2001–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $115M | $84M | $72M | $56M | $56M | $73M | $53M | $67M | $57M | $65M | $66M |
| Enterprise Value | $95M | $65M | $68M | $50M | $46M | $65M | $31M | $41M | $35M | $50M | $49M |
| P/E Ratio → | 12.69 | 9.34 | 9.07 | 6.40 | 6.24 | 9.66 | 10.60 | 11.97 | 10.75 | 22.25 | 20.28 |
| P/S Ratio | 1.84 | 1.35 | 1.22 | 1.08 | 1.27 | 1.87 | 1.33 | 1.84 | 1.80 | 2.34 | 2.56 |
| P/B Ratio | 1.43 | 1.05 | 1.11 | 0.93 | 1.11 | 1.06 | 0.79 | 1.09 | 1.03 | 1.26 | 1.34 |
| P/FCF | 10.93 | 8.04 | 12.10 | 7.04 | 6.89 | 5.46 | 15.26 | 56.03 | 9.08 | 13.62 | 61.61 |
| P/OCF | 9.84 | 7.24 | 8.47 | 5.87 | 6.01 | 4.49 | 10.12 | 11.96 | 6.64 | 9.73 | 23.85 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.03 | 1.16 | 0.97 | 1.05 | 1.66 | 0.78 | 1.13 | 1.11 | 1.79 | 1.91 |
| EV / EBITDA | 7.61 | 5.19 | 5.75 | 4.09 | 3.38 | 5.65 | 3.77 | 4.78 | 4.66 | 8.12 | 8.87 |
| EV / EBIT | 8.52 | 5.80 | 6.87 | 4.87 | 4.18 | 6.89 | 5.01 | 5.93 | 5.31 | 9.34 | 10.28 |
| EV / FCF | — | 6.16 | 11.44 | 6.32 | 5.72 | 4.84 | 8.98 | 34.43 | 5.61 | 10.44 | 45.89 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.9% | 77.9% | 75.0% | 81.6% | 97.2% | 95.9% | 82.1% | 84.1% | 85.8% | 85.7% | 84.7% |
| Operating Margin | 17.8% | 17.8% | 16.8% | 20.0% | 25.2% | 24.1% | 15.6% | 19.1% | 20.9% | 19.2% | 18.6% |
| Net Profit Margin | 14.4% | 14.4% | 13.5% | 16.9% | 20.3% | 19.3% | 12.6% | 15.4% | 16.7% | 10.5% | 12.7% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.5% | 12.5% | 12.7% | 15.8% | 15.0% | 11.1% | 7.8% | 9.6% | 9.9% | 5.8% | 6.7% |
| ROA | 0.9% | 0.9% | 0.8% | 0.9% | 0.9% | 0.8% | 0.6% | 0.8% | 0.8% | 0.5% | 0.6% |
| ROIC | 9.7% | 9.7% | 9.1% | 10.2% | 10.3% | 8.5% | 6.5% | 8.2% | 8.5% | 7.6% | 6.7% |
| ROCE | 2.0% | 2.0% | 10.6% | 12.0% | 12.3% | 10.1% | 7.6% | 10.0% | 10.9% | 9.8% | 8.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.11 | 0.11 | 0.30 | 0.33 | 0.41 | 0.30 | 0.15 | 0.08 | 0.09 | 0.10 | — |
| Debt / EBITDA | 0.71 | 0.71 | 1.63 | 1.63 | 1.49 | 1.83 | 1.22 | 0.58 | 0.66 | 0.81 | — |
| Net Debt / Equity | — | -0.25 | -0.06 | -0.09 | -0.19 | -0.12 | -0.32 | -0.42 | -0.39 | -0.30 | -0.34 |
| Net Debt / EBITDA | -1.58 | -1.58 | -0.33 | -0.46 | -0.69 | -0.72 | -2.64 | -3.00 | -2.87 | -2.47 | -3.04 |
| Debt / FCF | — | -1.88 | -0.66 | -0.72 | -1.17 | -0.62 | -6.28 | -21.60 | -3.46 | -3.18 | -15.71 |
| Interest Coverage | 0.80 | 0.80 | 0.64 | 1.07 | 5.17 | 4.50 | 1.36 | 1.32 | 1.75 | 1.79 | 2.05 |
Net cash position: cash ($29M) exceeds total debt ($9M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 496.36 | 496.36 | 0.05 | 0.28 | 0.26 | 0.22 | 0.16 | 0.14 | 0.13 | 0.14 | 0.12 |
| Quick Ratio | 496.36 | 496.36 | 0.05 | 0.28 | 0.26 | 0.22 | 0.16 | 0.14 | 0.13 | 0.14 | 0.12 |
| Cash Ratio | 161.23 | 161.23 | 0.03 | 0.03 | 0.04 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.03 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.6% | 2.2% | 2.5% | 2.6% | 2.4% | 1.7% | 2.3% | 1.8% | 1.8% | 1.6% | 1.6% |
| Payout Ratio | 20.1% | 20.1% | 22.9% | 16.8% | 15.2% | 16.7% | 24.4% | 21.9% | 19.8% | 35.9% | 32.0% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.9% | 10.7% | 11.0% | 15.6% | 16.0% | 10.3% | 9.4% | 8.4% | 9.3% | 4.5% | 4.9% |
| FCF Yield | 9.1% | 12.4% | 8.3% | 14.2% | 14.5% | 18.3% | 6.6% | 1.8% | 11.0% | 7.3% | 1.6% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 1.8% | 2.5% | 0.6% | 0.5% | 0.5% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 1.6% | 2.2% | 2.5% | 4.4% | 4.9% | 2.3% | 2.8% | 2.3% | 1.8% | 1.6% | 1.6% |
| Shares Outstanding | — | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M |
Geographic concentration in Lynchburg
According to current market data, BOTJ trades at a P/B of 1.39, which appears elevated relative to its modest ROE of 3.4% as of 2026Q1, suggesting that investors may be pricing in a franchise premium that the bank's current profitability metrics do not fully justify.
The bank's valuation multiple significantly exceeds its peers, implying that the market assigns value to its localized relationship model despite the lack of high-growth catalysts. Investors should monitor whether this premium is sustainable if the return on tangible equity remains suppressed by the current efficiency ratio challenges.
Based on the provided quarterly data, the bank's ROE has struggled to exceed 3.9% over the last ten quarters, as the combination of a stagnant 0.8% NIM and rising efficiency ratios suggests that the bank's core profitability is currently constrained by structural operating costs.
The DuPont decomposition indicates that the bank's reliance on a physical branch network limits operating leverage, preventing meaningful expansion in net income. The lack of significant non-interest income growth further suggests that the bank's profitability is highly sensitive to interest rate cycles and local loan demand.
As reported in recent financial statements, the efficiency ratio spiked to 77.8% in 2026Q1, a notable departure from the 55-60% range observed in prior periods, which indicates that operating expenses are currently outpacing the bank's ability to generate incremental revenue from its earning assets.
The persistent 0.8% NIM suggests that the bank is unable to pass on higher funding costs to its borrowers, effectively neutralizing the benefits of loan portfolio growth. This trend warrants further investigation into whether the bank's high-touch relationship model is becoming prohibitively expensive in the current rate environment.
Based on the bank's reported figures, the equity-to-assets ratio has remained remarkably stable between 0.06 and 0.08 over the last ten quarters, indicating a conservative capital management strategy that prioritizes long-term solvency over the aggressive leverage-driven returns often seen in larger regional banking institutions.
This stable capital position provides a necessary buffer against potential asset quality deterioration in the Lynchburg MSA. While this conservative approach limits ROE expansion, it appears to align with the bank's goal of maintaining a fortress-like balance sheet in a volatile regional economic climate.
Investors frequently misapply the P/E ratio to BOTJ, failing to account for the significant volatility in the provision for credit losses, which can artificially distort earnings and obscure the bank's underlying operational stability and long-term earnings power.
Because the provision for credit losses is subject to management's CECL-based estimates, the P/E ratio often reflects accounting adjustments rather than cash-generating performance. Analysts should instead prioritize P/TBV and core pre-provision net revenue to better assess the bank's true valuation and franchise value.
Includes 30+ ratios · 25 years · Updated daily
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Quick answers to the most common questions about buying BOTJ stock.
Bank of the James Financial Group, Inc.'s current P/E ratio is 12.7x. The historical average is 21.0x. This places it at the 54th percentile of its historical range.
Bank of the James Financial Group, Inc.'s current EV/EBITDA is 7.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 9.4x.
Bank of the James Financial Group, Inc.'s return on equity (ROE) is 12.5%. The historical average is 9.0%.
Based on historical data, Bank of the James Financial Group, Inc. is trading at a P/E of 12.7x. This is at the 54th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Bank of the James Financial Group, Inc.'s current dividend yield is 1.58% with a payout ratio of 20.1%.
Bank of the James Financial Group, Inc. has 77.9% gross margin and 17.8% operating margin. Operating margin between 10-20% is typical for established companies.
Bank of the James Financial Group, Inc.'s Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.