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About the company
Bank of the James (the Bank) is a full-service commercial and retail bank. The Bank is a wholly owned subsidiary of Bank of the James Financial Group, Inc. The Bank is engaged in a general retail and commercial banking business. The Bank’s services include personal, business and online banking, loans, and investments. The Bank serves individuals, small and medium-sized businesses and professionals of the Central Virginia area from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Roanoke, Rustburg, and Wytheville. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. It also provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. It also provides investment advisory services through its wholly owned subsidiary, Pettyjohn, Wood & White, Inc.
- Revenue in USD (TTM)43.55m
- Net income in USD8.43m
- Incorporated1998
- Employees163.00
- LocationBank of the James828 Main StLYNCHBURG 24504-1500United StatesUSA
- Phone+1 (434) 846-2000
- Fax+1 (434) 846-4450
- Websitehttps://www.bankofthejames.com
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bank Of Botetourt | 40.15m | 7.31m | 62.72m | 84.00 | 8.59 | 0.7761 | -- | 2.07 | 3.74 | 3.74 | 15.54 | 41.53 | -- | -- | -- | -- | 0.9985 | 1.05 | -- | -- | -- | -- | 25.64 | 25.77 | -- | -- | -- | 20.35 | 33.41 | 13.26 | -1.41 | 12.34 | -- | 7.14 |
| Century Financial Corp | 23.06m | 8.47m | 64.18m | 165.00 | 7.53 | 1.17 | -- | 2.64 | 4.98 | 4.98 | 14.31 | 31.97 | -- | -- | -- | -- | 1.82 | -- | -- | -- | -- | -- | 34.81 | -- | -- | -- | -- | -- | 48.86 | -- | 36.55 | -- | -- | -- |
| Bank of San Francisco | 32.38m | 6.52m | 64.23m | -- | 9.70 | 0.8719 | -- | 2.66 | 3.11 | 3.11 | 11.52 | 34.58 | -- | -- | -- | -- | 1.04 | 1.12 | -- | -- | -- | -- | 26.98 | 29.10 | -- | -- | -- | -- | 18.53 | 15.96 | 18.22 | 15.91 | 48.69 | -- |
| Citizens Bancorp of Virginia Inc | 13.77m | 3.57m | 65.84m | 108.00 | 19.56 | 1.60 | 16.49 | 4.59 | 1.59 | 1.59 | 6.36 | 19.33 | -- | -- | -- | -- | 1.06 | 1.01 | -- | -- | -- | -- | 24.91 | 23.36 | -- | -- | -- | 47.63 | -3.84 | -4.18 | 2.30 | 5.23 | 9.95 | 1.43 |
| Cullman Bancorp, Inc. | 20.87m | 3.31m | 66.67m | 57.00 | 20.87 | 0.667 | 36.59 | 4.14 | 0.4695 | 0.4695 | 2.27 | 14.69 | -- | -- | -- | -- | 0.7763 | -- | -- | -- | -- | -- | 20.57 | -- | -- | -- | -- | -- | 17.73 | -- | -5.47 | -- | -- | -- |
| United Bancshares Inc | 50.91m | 8.47m | 66.96m | 211.00 | 7.83 | 0.6569 | -- | 1.71 | 2.82 | 2.82 | 12.98 | 33.56 | -- | -- | -- | -- | 0.7343 | 1.16 | -- | -- | -- | -- | 21.70 | 23.81 | -- | -- | -- | 19.13 | 21.21 | 6.55 | -23.91 | 0.922 | -- | 12.89 |
| Bank of the James | 43.55m | 8.43m | 67.01m | 163.00 | 7.95 | 0.9736 | 6.51 | 1.54 | 1.86 | 1.86 | 9.56 | 15.15 | -- | -- | -- | -- | 0.8566 | 0.8305 | -- | -- | -- | -- | 19.41 | 18.69 | -- | -- | -- | 18.24 | 23.57 | 7.85 | -2.85 | 10.42 | -7.31 | 7.96 |
| New Peoples Bankshares Inc | 43.18m | 7.13m | 67.43m | 183.00 | 9.48 | 0.9486 | 7.72 | 1.78 | 0.3006 | 0.3006 | 1.60 | 3.00 | -- | -- | -- | -- | 0.8483 | 0.7189 | -- | -- | -- | -- | 18.76 | 15.16 | -- | -- | -- | -- | 18.30 | 5.46 | -11.11 | 50.87 | -2.18 | -- |
| Madison County Financial Inc | 25.88m | 3.67m | 67.53m | 51.00 | 17.63 | -- | -- | 5.14 | 1.42 | 1.42 | 5.07 | -- | -- | -- | -- | -- | -- | 1.22 | -- | -- | -- | -- | 27.94 | 37.08 | -- | -- | -- | 25.55 | 23.62 | 7.94 | -58.09 | -10.26 | -18.06 | 19.14 |
| Pinnacle Bankshares Corp | -100.00bn | -100.00bn | 68.55m | 187.00 | -- | 1.15 | -- | -- | -- | -- | -- | 27.02 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 8.05 | -- | 2.25 | 23.04 | 10.49 |
| FFBW Inc | -100.00bn | -100.00bn | 68.70m | 53.00 | -- | 0.9248 | -- | -- | -- | -- | -- | 15.13 | -- | -- | -- | -- | -- | 0.5757 | -- | -- | -- | -- | -- | 16.38 | -- | -- | -- | 0.00 | 24.84 | 7.92 | -35.57 | 7.36 | 6.59 | -- |
| Coastal Carolina Bancshares, Inc. | 51.34m | 7.83m | 68.91m | -- | 8.73 | -- | -- | 2.17 | 1.25 | 1.25 | 5.08 | -- | -- | -- | -- | -- | -- | 0.8552 | -- | -- | -- | -- | 24.68 | 23.22 | -- | -- | -- | 0.0059 | 42.92 | 21.93 | 12.74 | 30.90 | -18.92 | -- |
| Delhi Bank Corp | -100.00bn | -100.00bn | 69.58m | 42.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 22.68 | -- | -25.43 | -- | -- | -- |
| Southeastern Banking Corp | -100.00bn | -100.00bn | 70.17m | 142.00 | -- | 0.9581 | -- | -- | -- | -- | -- | 23.24 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| First US Bancshares Inc | 57.79m | 8.73m | 72.58m | 154.00 | 9.08 | 0.737 | 6.83 | 1.81 | 1.40 | 1.40 | 6.41 | 17.23 | -- | -- | -- | -- | 0.8066 | 0.5931 | -- | -- | -- | -- | 21.82 | 13.22 | -- | -- | -- | 14.97 | 28.18 | 7.29 | 23.62 | 27.79 | -1.12 | 20.11 |
| F & M Bank Corp | 62.64m | 5.48m | 73.38m | 151.00 | 13.34 | 0.8156 | 10.49 | 1.69 | 1.56 | 1.56 | 12.41 | 25.56 | -- | -- | -- | -- | 0.4174 | 0.6693 | -- | -- | -- | -- | 12.61 | 16.43 | -- | -- | -- | 50.07 | 33.67 | 9.14 | -66.69 | -19.91 | 12.69 | 1.83 |
Data as of Nov 25 2024. Currency figures normalised to Bank of the James's reporting currency: US Dollar USD
19.74%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Pettyjohn, Wood & White, Inc.as of 30 Sep 2024 | 255.57k | 5.63% |
| The Vanguard Group, Inc.as of 30 Sep 2024 | 190.20k | 4.19% |
| CapFinancial Partners LLCas of 30 Sep 2024 | 145.63k | 3.21% |
| Fourthstone LLCas of 30 Sep 2024 | 93.12k | 2.05% |
| Inspire Investing LLCas of 30 Sep 2024 | 74.06k | 1.63% |
| Geode Capital Management LLCas of 30 Sep 2024 | 38.40k | 0.85% |
| Bridgeway Capital Management LLCas of 30 Sep 2024 | 32.64k | 0.72% |
| Dimensional Fund Advisors LPas of 30 Sep 2024 | 25.48k | 0.56% |
| First Manhattan Co LLCas of 30 Sep 2024 | 22.31k | 0.49% |
| Empowered Funds LLCas of 30 Sep 2024 | 19.64k | 0.43% |
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Data from 30 Sep 2024 - 30 Sep 2024Source: FactSet Research Systems Inc.
