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BOTJ

Market Cap: $124.81M

BI

Bank of the James Financial Group, Inc.

BOTJ

NASDAQ (NASDAQ Capital Market)USD

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By Cashu Finance. Providing market news, analysis, and research for investors worldwide.

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Financials

Profitability

Gross Profit Margin77.26%

EBITDA Margin18.38%

EBIT Margin16.96%

Pre-tax Margin23.49%

Net Profit Margin18.94%

Earnings Yield9.21%

Valuation Multiples

Price / Book1.50

Price / Sales2.06

Price / Earnings10.86

PEG0.18

Forward PEG0.18

EV / Sales1.79

EV / EBITDA9.75

EV / Operating Cash Flow8.62

EV / Free Cash Flow8.55

Price / Free Cash Flow9.80

Price / Operating Cash Flow9.89

Cash Flow & Capital

Free Cash Flow / Share$2.8

Operating Cash Flow / Share$2.78

Free Cash Flow Yield10.20%

Capex / Revenue0.19%

Capex / Operating Cash Flow0.90%

Capex / Depreciation0.10

Stock Compensation / Revenue0.00%

Dividend Payout Ratio15.81%

Dividend Yield1.46%

Liquidity & Leverage

Current Ratio0.03

Quick Ratio0.03

Cash Ratio0.03

Debt / Assets0.01

Debt / Capital0.09

Debt / Equity0.10

Long-Term Debt / Capital0.09

Debt / Market Cap6.95%

Net Debt / EBITDA-1.43

Solvency Ratio0.01

Financial Leverage12.52

Efficiency & Working Capital

Asset Turnover0.06

Fixed Asset Turnover3.18

Inventory Turnover0.00

Receivables Turnover17.89

Payables Turnover12.31

Days Sales Outstanding20.41

Days Inventory Outstanding0

Days Payables Outstanding29.65

Operating Cycle20.41

Cash Conversion Cycle-9.24

Working Capital Turnover-0.07

Returns & Quality

Return on Equity14.30%

Return on Assets1.10%

Return on Invested Capital7.90%

ROCE9.80%

Return on Tangible Assets1.11%

Operating Return on Assets0.98%

Income Quality1.10

Tax Burden0.81

Interest Burden1.39

Balance Sheet & Intrinsic Metrics

Enterprise Value$108.8M

Invested Capital$-881.25M

Working Capital$-908.24M

Tangible Asset Value$75.22M

Net Current Asset Value$-930.09M

Graham Number$32.27

Graham Net-Net-$152.77

Book Value / Share$18.3

Tangible Book Value / Share$16.56

Cash / Share$57.56

Financial Health Scores

Piotroski Score5

Altman Z-Score-0.80

Revenue$60.67M

EBIT$10.29M

Market Cap$128.09M

Working Capital$-908.24M

Retained Earnings$55.11M

Total Assets$1.04B

Total Liabilities$958.15M