SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Bank of the James Financial Group, Inc. (BOTJ) trades at a trailing P/E of 11.4. Trailing earnings yield is 8.80%. PEG 0.83 (Peter Lynch undervalued ≤1.0). Graham Number is $28.83.
Criteria proven by this page:
- VALUE (91/100, Pass) — P/E is below market average (11.4); PEG ≤ 1.0 — Peter Lynch undervalued (0.83); earnings yield beats bond yields (8.80%).
- PEG Ratio 0.83 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 8.80% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
Overall SharesGrow Score: 67/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
91/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — BOTJ
Valuation Multiples
P/E (TTM)11.4
Forward P/EN/A
PEG Ratio0.83
Forward PEGN/A
P/B Ratio1.28
P/S Ratio1.66
EV/EBITDA6.6
Per Share Data
EPS (TTM)$1.99
Book Value / Share$18.61
Revenue / Share$13.61
FCF / Share$2.27
Yields & Fair Value
Earnings Yield8.80%
Dividend Yield1.77%
Graham Number$28.83
SharesGrow IV$57.54 (+157.8%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
20.2 |
-0.68 |
1.34 |
2.56 |
1.58% |
| 2017 |
22.4 |
-2.17 |
1.26 |
2.34 |
1.61% |
| 2018 |
10.7 |
0.13 |
1.03 |
1.80 |
1.84% |
| 2019 |
11.9 |
2.19 |
1.09 |
1.84 |
1.84% |
| 2020 |
10.6 |
-1.02 |
0.79 |
1.33 |
2.31% |
| 2021 |
9.7 |
0.18 |
1.06 |
1.87 |
1.73% |
| 2022 |
6.2 |
0.32 |
1.11 |
1.27 |
2.44% |
| 2023 |
6.4 |
0.00 |
0.93 |
1.08 |
2.62% |
| 2024 |
9.1 |
-1.08 |
1.11 |
1.22 |
2.52% |
| 2025 |
9.4 |
0.68 |
1.05 |
1.35 |
2.15% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$0.68 |
$25.94M |
$3.29M |
12.7% |
| 2017 |
$0.61 |
$27.93M |
$2.92M |
10.5% |
| 2018 |
$1.10 |
$31.68M |
$5.3M |
16.7% |
| 2019 |
$1.16 |
$36.35M |
$5.61M |
15.4% |
| 2020 |
$1.04 |
$39.55M |
$4.98M |
12.6% |
| 2021 |
$1.60 |
$39.29M |
$7.59M |
19.3% |
| 2022 |
$1.91 |
$43.85M |
$8.96M |
20.4% |
| 2023 |
$1.91 |
$51.42M |
$8.7M |
16.9% |
| 2024 |
$1.75 |
$58.96M |
$7.94M |
13.5% |
| 2025 |
$1.99 |
$62.51M |
$9.02M |
14.4% |
