ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank of the James Financial Group, Inc. ?
1
High Profitability with a Net Interest Margin of 7.06%
2
Positive results in Jun 25
- NII(Q) Highest at USD 8.25 MM
- OPERATING CASH FLOW(Y) Highest at USD 11.27 MM
- NET SALES(Q) Highest at USD 11.64 MM
3
With ROA of 0.57%, it has a expensive valuation with a 0.95 Price to Book Value
- Over the past year, while the stock has generated a return of 17.97%, its profits have fallen by -25.9%
4
High Institutional Holdings at 26.84%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of the James Financial Group, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
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.
10.09%
2.40
25.81%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.13%
EBIT Growth (5y)
11.48%
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
22.88%
Pledged Shares
0
Institutional Holding
26.84%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.95
EV to EBIT
-2.78
EV to EBITDA
-2.13
EV to Capital Employed
1.26
EV to Sales
-0.39
PEG Ratio
NA
Dividend Yield
3.51%
ROCE (Latest)
-45.20%
ROE (Latest)
9.65%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at USD 8.25 MM
OPERATING CASH FLOW(Y)
Highest at USD 11.27 MM
NET SALES(Q)
Highest at USD 11.64 MM
OPERATING PROFIT(Q)
Highest at USD 3.4 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.2 %
PRE-TAX PROFIT(Q)
Highest at USD 3.4 MM
NET PROFIT(Q)
Highest at USD 2.7 MM
EPS(Q)
Highest at USD 0.6
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank of the James Financial Group, Inc.
NII
Highest at USD 8.25 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 11.27 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 11.64 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 3.4 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 29.2 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 3.4 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 3.4 MM has Grown at 64.97%
over average net sales of the previous four periods of USD 2.06 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 2.7 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 2.7 MM has Grown at 63.93%
over average net sales of the previous four periods of USD 1.65 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.6
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Bank of the James Financial Group, Inc.
Capital Adequacy Ratio
Lowest at 11.38%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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