Bank of the James Financial Group, Inc. (BOTJ) is a Banks - Regional company in the Financial Services sector, currently trading at $22.32. It has a SharesGrow Score of 67/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of BOTJ = $57.54 (+157.8% from the current price, the stock appears undervalued).
Valuation: BOTJ trades at a trailing Price-to-Earnings (P/E) of 11.4 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.83.
Financials: revenue is $63M, +12.7%/yr average growth. Net income is $9M, growing at +0.7%/yr. Net profit margin is 14.4% (healthy). Gross margin is 77.9% (-20 pp trend).
Balance sheet: total debt is $9M against $80M equity (Debt-to-Equity (D/E) ratio 0.11, conservative). Current ratio is 496.36 (strong liquidity). Debt-to-assets is 0.8%. Total assets: $1.0B.
SharesGrow 7-Criteria breakdown: Value 91/100 (Pass), Growth 63/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 35/100 (Fail), Future ?/100 (Fail), Income 55/100 (Partial).
