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Bank of the James Financial Group, Inc. (BOTJ)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISINUS4702991088
CUSIP470299108
SectorFinancial Services
IndustryBanks—Regional

Highlights

Market Cap$47.07M
EPS$1.91
PE Ratio5.42
Revenue (TTM)$42.79M
Gross Profit (TTM)$43.85M
Year Range$7.86 - $12.14
Short %0.10%
Short Ratio2.04

Share Price Chart


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Bank of the James Financial Group, Inc.

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Bank of the James Financial Group, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


-5.00%0.00%5.00%10.00%15.00%20.00%25.00%30.00%NovemberDecember2024FebruaryMarchApril
2.85%
18.63%
BOTJ (Bank of the James Financial Group, Inc.)
Benchmark (^GSPC)

S&P 500

Returns By Period

Bank of the James Financial Group, Inc. had a return of -18.69% year-to-date (YTD) and 6.82% in the last 12 months. Over the past 10 years, Bank of the James Financial Group, Inc. had an annualized return of 4.43%, while the S&P 500 had an annualized return of 10.37%, indicating that Bank of the James Financial Group, Inc. did not perform as well as the benchmark.


PeriodReturnBenchmark
Year-To-Date-18.69%5.06%
1 month-6.19%-3.23%
6 months0.18%17.14%
1 year6.82%20.62%
5 years (annualized)-3.85%11.54%
10 years (annualized)4.43%10.37%

Monthly Returns Heatmap


JanFebMarAprMayJunJulAugSepOctNovDec
2024-0.74%-2.28%-11.83%
2023-2.05%-5.71%1.73%22.32%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of BOTJ is 54, suggesting that the investment has average results relative to the market in terms of risk-adjusted performance. This ranking is determined by the cumulative values of the indicators listed below.

The Risk-Adjusted Performance Rank of BOTJ is 5454
Bank of the James Financial Group, Inc.(BOTJ)
The Sharpe Ratio Rank of BOTJ is 5757Sharpe Ratio Rank
The Sortino Ratio Rank of BOTJ is 5050Sortino Ratio Rank
The Omega Ratio Rank of BOTJ is 4949Omega Ratio Rank
The Calmar Ratio Rank of BOTJ is 5555Calmar Ratio Rank
The Martin Ratio Rank of BOTJ is 5757Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for Bank of the James Financial Group, Inc. (BOTJ) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


BOTJ
Sharpe ratio
The chart of Sharpe ratio for BOTJ, currently valued at 0.13, compared to the broader market-2.00-1.000.001.002.003.000.13
Sortino ratio
The chart of Sortino ratio for BOTJ, currently valued at 0.38, compared to the broader market-4.00-2.000.002.004.000.38
Omega ratio
The chart of Omega ratio for BOTJ, currently valued at 1.05, compared to the broader market0.501.001.501.05
Calmar ratio
The chart of Calmar ratio for BOTJ, currently valued at 0.06, compared to the broader market0.001.002.003.004.005.000.06
Martin ratio
The chart of Martin ratio for BOTJ, currently valued at 0.44, compared to the broader market0.0010.0020.0030.000.44
^GSPC
Sharpe ratio
The chart of Sharpe ratio for ^GSPC, currently valued at 1.76, compared to the broader market-2.00-1.000.001.002.003.001.76
Sortino ratio
The chart of Sortino ratio for ^GSPC, currently valued at 2.57, compared to the broader market-4.00-2.000.002.004.002.57
Omega ratio
The chart of Omega ratio for ^GSPC, currently valued at 1.31, compared to the broader market0.501.001.501.31
Calmar ratio
The chart of Calmar ratio for ^GSPC, currently valued at 1.33, compared to the broader market0.001.002.003.004.005.001.33
Martin ratio
The chart of Martin ratio for ^GSPC, currently valued at 7.04, compared to the broader market0.0010.0020.0030.007.04

Sharpe Ratio

The current Bank of the James Financial Group, Inc. Sharpe ratio is 0.13. A Sharpe ratio between 0 and 1.0 is considered sub-optimal.


Rolling 12-month Sharpe Ratio-1.000.001.002.003.00NovemberDecember2024FebruaryMarchApril
0.13
1.76
BOTJ (Bank of the James Financial Group, Inc.)
Benchmark (^GSPC)

Dividends

Dividend History

Bank of the James Financial Group, Inc. granted a 3.45% dividend yield in the last twelve months. The annual payout for that period amounted to $0.34 per share.


PeriodTTM2023202220212020201920182017201620152014
Dividend$0.34$0.32$0.29$0.27$0.25$0.25$0.22$0.22$0.22$0.20$0.14

Dividend yield

3.45%2.62%2.43%1.73%2.31%1.83%1.84%1.60%1.58%1.70%1.45%

Monthly Dividends

The table displays the monthly dividend distributions for Bank of the James Financial Group, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDec
2024$0.00$0.10$0.00
2023$0.00$0.00$0.08$0.00$0.00$0.08$0.00$0.08$0.00$0.00$0.08$0.00
2022$0.00$0.00$0.07$0.00$0.00$0.07$0.00$0.00$0.07$0.00$0.08$0.00
2021$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.00$0.07$0.00$0.07$0.00
2020$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.00$0.06$0.00$0.06$0.00
2019$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.05$0.04
2018$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.05$0.00
2017$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.05$0.00
2016$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.05$0.00
2015$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.05$0.00$0.00$0.05
2014$0.05$0.00$0.00$0.05$0.00$0.00$0.05

Dividend Yield & Payout


Dividend Yield
5.0%10.0%15.0%20.0%3.5%
Bank of the James Financial Group, Inc. has a dividend yield of 3.45%, which is quite average when compared to the overall market.
Payout Ratio
200.0%400.0%600.0%800.0%17.9%
Bank of the James Financial Group, Inc. has a payout ratio of 17.92%, which is below the market average. This means Bank of the James Financial Group, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way.


-40.00%-30.00%-20.00%-10.00%0.00%NovemberDecember2024FebruaryMarchApril
-41.82%
-4.63%
BOTJ (Bank of the James Financial Group, Inc.)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the Bank of the James Financial Group, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Bank of the James Financial Group, Inc. was 79.04%, occurring on Sep 30, 2011. Recovery took 1332 trading sessions.

The current Bank of the James Financial Group, Inc. drawdown is 41.82%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-79.04%Feb 9, 2006815Sep 30, 20111332Jun 25, 20182147
-50.28%Jun 24, 2021464May 3, 2023
-49.74%Jun 27, 2018398Mar 24, 2020291May 24, 2021689
-25%Nov 9, 20014Nov 30, 200119May 20, 200223
-23.41%Mar 31, 200556Aug 26, 200550Jan 26, 2006106

Volatility

Volatility Chart

The current Bank of the James Financial Group, Inc. volatility is 6.73%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


2.00%4.00%6.00%8.00%10.00%NovemberDecember2024FebruaryMarchApril
6.73%
3.27%
BOTJ (Bank of the James Financial Group, Inc.)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of Bank of the James Financial Group, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

Annual
Quarterly

0.0

Income Statement


Income Statement
Balance Sheet
Cash Flow
Annual
Quarterly

TTM
Revenue

Total Revenue

0.00

Cost Of Revenue

0.00

Gross Profit

0.00
Operating Expenses

Selling, General & Admin Expenses

0.00

R&D Expenses

0.00

Total Operating Expenses

0.00
Income

Income Before Tax

0.00

Operating Income

0.00

EBIT

0.00

Earnings From Continuing Operations

0.00

Net Income

0.00

Income Tax Expense

0.00

Interest Expense

0.00

Other Non-Operating Income (Expenses)

0.00

Extraordinary Items

0.00

Discontinued Operations

0.00

Effect Of Accounting Charges

0.00

Non Recurring

0.00

Minority Interest

0.00

Other Items

0.00
Values in undefined except per share items