BOTJ: Bank of the James Financial Group, Inc. - Summary | Jitta

Bank of the James Financial Group, Inc.

NASDAQ:BOTJ

Price
$12.61
Loss Chance
42.1%
6.66JITTA SCORE
44.62%Under Jitta Line
Jitta Ranking
5 / 318
7 / 726
27 / 4,967
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HISTORICAL JITTA SCORE
Jitta Factors
Growth Opportunity (63)
Recent Business Performance (67)
Financial Strength (75)
Return to Shareholders (70)
Competitive Advantage (57)
Jitta Signs
Revenue and EarningConsistent Growth in the past 5 years
Recent Business PerformanceEarning Growth Last Year
Operating MarginConsistent
Dividend PayoutIncreasing Every Year
Total DepositConsistent Growth
Loan to DepositBalanced
Net Interest MarginHigh Efficiency
SG&A to SalesIncreasing
Key Stats
Jitta Score
Jitta Line
6.66
44.62%
5.96
96.82%
5.01
286.70%
Regional Banks
6.86
23.47%
6.51
34.17%
7.74
68.33%
COMPANY DESCRIPTION
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it provides other banking services, including safe deposit boxes, traveler’s checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. The company was founded in 1998 and is headquartered in Lynchburg, Virginia.