ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank of the James Financial Group, Inc. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Bank of the James Financial Group, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank of the James Financial Group, Inc.
46.6%
3.54
26.73%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.46%
EBIT Growth (5y)
12.10%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
25.18%
Pledged Shares
0
Institutional Holding
31.97%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.19
EV to EBIT
1.51
EV to EBITDA
1.30
EV to Capital Employed
-14.48
EV to Sales
0.31
PEG Ratio
0.78
Dividend Yield
1.90%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
11.27%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at USD 8.54 MM
OPERATING CASH FLOW(Y)
Highest at USD 9.68 MM
NET PROFIT(HY)
At USD 5.47 MM has Grown at 51.75%
NET SALES(Q)
Highest at USD 12.01 MM
OPERATING PROFIT(Q)
Highest at USD 3.49 MM
PRE-TAX PROFIT(Q)
Highest at USD 3.49 MM
-1What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 16.69%
Here's what is working for Bank of the James Financial Group, Inc.
NII
Highest at USD 8.54 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
At USD 5.47 MM has Grown at 51.75%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 9.68 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 12.01 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 3.49 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 3.49 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 3.49 MM has Grown at 43.51%
over average net sales of the previous four periods of USD 2.43 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Here's what is not working for Bank of the James Financial Group, Inc.
Dividend Payout Ratio
Lowest at 16.69%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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