BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
State Commercial Banks · Financial Services · $181M
Intrinsic Value (Consensus)
$37.83
Current Price
$39.80
Margin of Safety
-4.9%
4.9% Above Intrinsic Value
Value: $38
Price: $40
Valuation Model Estimates
Current Price: $39.80
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%.
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
- 1.00
Data last updated: 2026-06-12
Source: Yahoo Finance