Bank of the Financials

BOTJ Stock  USD 13.99  0.59  4.40%   
Based on the measurements of operating efficiency obtained from Bank of the's historical financial statements, Bank of the is not in a good financial situation at this time. It has a very high probability of going through financial hardship in February. At this time, Bank of the's Accounts Payable is relatively stable compared to the past year. Non Current Assets Total is expected to hike to about 299 M this year, although the value of Net Debt will most likely fall to (5.4 M). Key indicators impacting Bank of the's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.110.2
Way Down
Slightly volatile
Return On Assets0.00510.0081
Way Down
Slightly volatile
Return On Equity0.06680.13
Way Down
Slightly volatile
Debt Equity Ratio0.480.38
Significantly Up
Pretty Stable
Operating IncomeM11.8 M
Way Down
Slightly volatile
Current Ratio177186
Notably Down
Slightly volatile
Investors should never underestimate Bank of the's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Bank of the's cash flow, debt, and profitability to make informed and accurate decisions about investing in Bank of the.

Net Income

10.51 Million

  
Understanding current and past Bank of the Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bank of the's financial statements are interrelated, with each one affecting the others. For example, an increase in Bank of the's assets may result in an increase in income on the income statement.

Bank of the Stock Summary

Bank of the competes with National Bankshares, Home Federal, Old Point, Southern Missouri, and Meridian Bank. Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. The company was founded in 1998 and is headquartered in Lynchburg, Virginia. Bank operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 153 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS4702991088
CUSIP470299108
LocationVirginia; U.S.A
Business Address828 Main Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bankofthejames.bank
Phone434 846 2000
CurrencyUSD - US Dollar

Bank of the Key Financial Ratios

Bank of the Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets851.4M987.6M928.6M969.4M1.1B1.2B
Other Current Liab(85K)18K(68K)651.6M749.3M786.8M
Net Debt(21.7M)(8.3M)(9.5M)(5.7M)(5.1M)(5.4M)
Retained Earnings24.7M23.4M31.0M36.7M42.2M44.3M
Accounts Payable85K46K89K480K552K579.6K
Cash31.7M29.3M30.0M25.6M29.5M17.0M
Other Assets616.3M599.9M682.2M644.1M740.7M777.7M
Net Receivables2.4M2.1M2.7M2.8M3.3M2.0M
Total Liab784.7M918.2M878.3M909.3M1.0B1.1B
Total Current Assets124.2M193.3M218.5M77.7M69.9M66.4M
Common Stock9.3M10.1M9.9M9.7M11.2M7.9M
Other Liab3.2M9.3M10.1M9.6M11.1M11.6M
Long Term Debt10.0M21.0M20.5M19.9M22.9M12.4M
Inventory(104.3M)(186.0M)(65.1M)22.8M20.5M21.5M
Net Tangible Assets61.4M66.4M58.6M40.3M46.4M52.2M
Intangible Assets361K4.9M7.8M7.3M8.4M8.8M
Other Current Assets104.3M186.0M65.1M77.7M69.9M83.3M

Bank of the Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense4.5M2.1M2.2M9.6M11.1M11.6M
Total Revenue35.0M37.2M42.0M39.4M45.3M47.5M
Gross Profit35.0M37.2M42.0M39.4M45.3M47.5M
Operating Income6.2M9.5M13.3M10.3M11.8M6.0M
Ebit6.2M9.5M11.1M10.3M11.8M8.0M
Ebitda8.2M11.5M13.7M12.2M14.1M9.1M
Income Before Tax6.2M9.5M11.1M10.3M11.8M12.4M
Net Income5.0M7.6M9.0M8.7M10.0M10.5M
Income Tax Expense1.2M1.9M2.2M1.6M1.8M1.0M
Tax Provision1.2M1.9M2.2M2.1M2.4M1.9M
Net Interest Income25.1M27.0M29.6M30.6M35.1M26.5M
Interest Income29.6M29.1M31.8M37.7M43.3M30.6M

Bank of the Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash61.8M82.3M(121.4M)13.1M15.0M15.8M
Free Cash Flow3.4M12.9M8.1M7.9M9.1M9.6M
Depreciation2.0M2.1M2.6M2.0M2.3M2.4M
Other Non Cash Items(162K)5.6M(997K)1.9M2.2M1.7M
Capital Expenditures1.8M2.9M1.2M1.6M1.8M1.7M
Net Income5.0M7.6M9.0M8.7M10.0M10.5M
End Period Cash Flow100.9M183.2M61.8M74.8M86.1M90.4M
Change To Inventory518K707K92K519K596.9K626.7K
Investments(28M)(64.5M)(88.1M)14.9M13.4M14.0M
Dividends Paid1.2M1.3M1.4M1.5M1.7M930.5K
Change To Netincome1.2M(2.7M)(1.3M)5.4M4.8M5.1M

Bank Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bank of the's current stock value. Our valuation model uses many indicators to compare Bank of the value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bank of the competition to find correlations between indicators driving Bank of the's intrinsic value. More Info.
Bank of the is rated second in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.06  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Bank of the is roughly  16.49 . At this time, Bank of the's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Bank of the by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Bank of the Systematic Risk

Bank of the's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Bank of the volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Bank of the correlated with the market. If Beta is less than 0 Bank of the generally moves in the opposite direction as compared to the market. If Bank of the Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Bank of the is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Bank of the is generally in the same direction as the market. If Beta > 1 Bank of the moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Bank of the Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Bank of the's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Bank of the growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.37

At this time, Bank of the's Price Earnings To Growth Ratio is relatively stable compared to the past year.

Bank of the January 24, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bank of the help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bank of the. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bank of the based on widely used predictive technical indicators. In general, we focus on analyzing Bank Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bank of the's daily price indicators and compare them against related drivers.
When determining whether Bank of the is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Bank Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Bank Of The Stock. Highlighted below are key reports to facilitate an investment decision about Bank Of The Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bank of the. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in estimate.
For more information on how to buy Bank Stock please use our How to buy in Bank Stock guide.
You can also try the Stocks Directory module to find actively traded stocks across global markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bank of the. If investors know Bank will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bank of the listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.04)
Dividend Share
0.4
Earnings Share
1.86
Revenue Per Share
9.668
Quarterly Revenue Growth
0.048
The market value of Bank of the is measured differently than its book value, which is the value of Bank that is recorded on the company's balance sheet. Investors also form their own opinion of Bank of the's value that differs from its market value or its book value, called intrinsic value, which is Bank of the's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bank of the's market value can be influenced by many factors that don't directly affect Bank of the's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bank of the's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bank of the is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bank of the's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.