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 6.96%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 15.63 MM
- NII(Q) Highest at USD 8.73 MM
- ROCE(HY) Highest at 1.06%
3
With ROA of 0.77%, it has a attractive valuation with a 1.17 Price to Book Value
- Over the past year, while the stock has generated a return of 73.62%, its profits have risen by 13.6% ; the PEG ratio of the company is 0.8
4
High Institutional Holdings at 32.76%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.79% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 73.62% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank of the James Financial Group, Inc.
73.62%
4.99
25.74%
S&P 500
22.24%
1.67
13.28%
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
32.76%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.17
EV to EBIT
1.32
EV to EBITDA
1.13
EV to Capital Employed
-12.61
EV to Sales
0.27
PEG Ratio
0.76
Dividend Yield
1.94%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
11.27%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 15.63 MM
NII(Q)
Highest at USD 8.73 MM
ROCE(HY)
Highest at 1.06%
GROSS NPA (%)
(Q
OPERATING PROFIT MARGIN(Q)
Highest at 29.36 %
NET PROFIT(Q)
Highest at USD 2.77 MM
EPS(Q)
Highest at USD 0.61
-2What is not working for the Company
ROCE(HY)
Lowest at 1.06%
Here's what is working for Bank of the James Financial Group, Inc.
NII
Highest at USD 8.73 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 15.63 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Lowest at 0.22%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit Margin
Highest at 29.36 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at USD 2.77 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.61
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 12.12%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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