BANK OF THE JAMES FINANCIAL GROUP, INC. (BOTJ) valuation

Bring your own price

Enter a share price and a discount rate — every multiple, the earning-power value and the reverse-DCF below recompute on the spot from BANK OF THE JAMES FINANCIAL GROUP, INC.'s latest SEC EDGAR filings. Change either input and the whole page follows.

Share price (USD)

Discount rate (% per year)

Enter a share price to run the model.

The prefilled 8.9% is a plain CAPM cost of equity at β = 1: the 10-year Treasury yield (4.46%, 2026-06-18, U.S. Treasury 10-yr) plus the U.S. equity risk premium (4.46%, Damodaran 2026-01-01). Build a firmer per-company rate with the cost-of-equity and WACC calculators, then paste it here.

Share price — · awaiting your input

Market Capitalization

Equity value at your price

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Price-to-Earnings

P/E · Trailing Diluted

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Earnings Yield

EPS ÷ Price · Trailing

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Price-to-Free-Cash-Flow

P/FCF · Trailing

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Free-Cash-Flow Yield

FCF Yield · Trailing

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Price-to-Sales

P/S · Trailing

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Price-to-Book

P/B · Latest filing

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Fundamentals from the filings

Every model input below comes straight from BANK OF THE JAMES FINANCIAL GROUP, INC.'s SEC EDGAR XBRL filings — these are the denominators and bridge inputs the calculator pairs with your price and rate.

Trailing twelve months · TTM as of 2026-03-31 (Q1 FY2026)

Revenue: $4.3M
EBIT (GAAP): $13.6M
EBIT margin: 316.9%
Operating cash flow: $15.6M
CapEx: $1.4M
D&A: $1.4M
Free cash flow: $14.3M
YoY revenue growth: 6.3%

CapEx bundles PP&E purchases + finance-lease principal payments ($455.0K) — the same total the P/FCF and FCF-Yield cards net against operating cash flow.

Balance sheet · 10-Q · period ending 2026-03-31

Cash & equivalents: $88.0M
Total debt: $14.0M
Stockholders' equity: $81.3M
Excess cash: $88.0M

Total debt = Notes payable ($10.0M) + Other short-term borrowings ($0) + Operating lease liability ($1.3M) + Finance lease liability ($2.6M) — carried forward from the prior annual filing; the latest filing omitted granular debt tagging .

Share count

Diluted shares (TSM-scaled): 4.5M

Method: point-in-time shares outstanding × 1.0000 (latest filer-disclosed diluted ÷ basic ratio). See the diluted-shares methodology for why this count denominates EPV/share and the reverse-DCF equity bridge.

Earning-Power-Value, reverse-DCF, and EV/EBITDA are hidden for this bank. EPV and the reverse-DCF both anchor on an EBIT margin, but a bank's "margin" is interest-spread × leverage with non-EBIT investment results mixed in; EV/EBITDA omits deposits and borrowings — the actual funding — so the multiple isn't interpretable. The trailing multiples above (P/E, P/S, P/B, P/FCF) still render, but the right lens here is price-to-tangible-book-value and ROE vs cost of equity — applied manually, outside this page.