Bank Of The James Financial (BOTJ) Fundamental Analysis: Revenue, Earnings & Valuation

2.76 / 10

Underperform

Fundamental analysis rates BOTJ as Underperform with a 2.8/10 profile. Strengths lie in asset‑to‑market value and a 36.9% gross margin, but profit‑to‑market and net‑income‑to‑revenue ratios are poor, indicating defensive positioning and limited upside.

Analysis Checks(6/10)

Gross profit margin (%)

Value36.92

Score3/3

Weight7.94%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value49.61

Score3/3

Weight7.93%

1M Return3.70%

Profit-MV

Value0.07

Score0/3

Weight8.57%

1M Return4.03%

Net income-Revenue

Value0.06

Score0/3

Weight8.62%

1M Return3.99%

PB-ROE

Value1.27

Score2/3

Weight15.28%

1M Return6.52%

Non-current liabilities / Total liabilities (%)

Value53.26

Score3/3

Weight7.94%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.93%

1M Return3.70%

Cash-UP

Value-0.15

Score1/3

Weight7.72%

1M Return3.24%

Asset-MV

Value-0.55

Score2/3

Weight17.84%

1M Return6.73%

Cash-MV

Value0.02

Score1/3

Weight10.23%

1M Return4.31%

Is BOTJ undervalued or overvalued?

BOTJ scores 2.76/10 on fundamentals and holds a Premium valuation at present. Backed by its 12.45% ROE, 18.54% net margin, 10.37 P/E ratio, 1.17 P/B ratio, and 13.71% earnings growth, these metrics solidify its Underperform investment rating.