Bank of the James Financial Group, Inc. (BOTJ)
Banks - Regional · Financial Services · $112M
Intrinsic Value (Consensus)
$37.83
Current Price
$24.57
Margin of Safety
+54%
54% Below Intrinsic Value
Value: $38
Price: $25
Valuation Model Estimates
Current Price: $24.57
DCF (Discounted Cash Flow)
$68.60
Graham Number
$28.09
Earnings Power Value
$19.32
Relative Value (P/E)
$39.80
Dividend Discount Model
$33.33
Consensus Value
$37.83
Model Assumptions
Discount Rate
10.3%
Growth Rate
13.7%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
68
Profitability
18/25
Strength
18/25
Valuation
22/25
Growth
10/25
Financial Health Signals
High free cash flow yield (9.4%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.99
- EPS (Forward)
- $2.26
- Book Value
- $17.62
- P/E Ratio
- 20.0
- Forward P/E
- 17.6
- PEG Ratio
- —
- ROE
- 11.3%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 13.7%
- Dividend Yield
- 0.3%
- Beta
- 0.18
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Data last updated: 2026-06-21
Source: Yahoo Finance