25 XP   0   0   10

Bank of the James Financial Group
Buy, Hold or Sell?

Let's analyse Bank of the James Financial Group together

PenkeI guess you are interested in Bank of the James Financial Group. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Bank of the James Financial Group. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

Get notifications about Bank of the James Financial Group

I send you an email if I find something interesting about Bank of the James Financial Group.

Quick analysis of Bank of the James Financial Group (30 sec.)










What can you expect buying and holding a share of Bank of the James Financial Group? (30 sec.)

How much money do you get?

How much money do you get?
$0.24
When do you have the money?
1 year
How often do you get paid?
95.0%

What is your share worth?

Current worth
$13.21
Expected worth in 1 year
$15.58
How sure are you?
82.5%

+ What do you gain per year?

Total Gains per Share
$2.60
Return On Investment
25.1%

For what price can you sell your share?

Current Price per Share
$10.36
Expected price per share
$9.8229 - $11.75
How sure are you?
50%

1. Valuation of Bank of the James Financial Group (5 min.)




Live pricePrice per Share (EOD)

$10.36

2. Growth of Bank of the James Financial Group (5 min.)




Is Bank of the James Financial Group growing?

Current yearPrevious yearGrowGrow %
How rich?$60m$53.1m$704.7k1.3%

How much money is Bank of the James Financial Group making?

Current yearPrevious yearGrowGrow %
Making money$2.1m$2.2m-$76k-3.5%
Net Profit Margin19.5%21.4%--

How much money comes from the company's main activities?

3. Financial Health of Bank of the James Financial Group (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Bank of the James Financial Group? (5 min.)

Welcome investor! Bank of the James Financial Group's management wants to use your money to grow the business. In return you get a share of Bank of the James Financial Group.

What can you expect buying and holding a share of Bank of the James Financial Group?

First you should know what it really means to hold a share of Bank of the James Financial Group. And how you can make/lose money.

Speculation

The Price per Share of Bank of the James Financial Group is $10.36. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Bank of the James Financial Group.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Bank of the James Financial Group, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $13.21. Based on the TTM, the Book Value Change Per Share is $0.59 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.95 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.06 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Bank of the James Financial Group.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.454.4%0.474.6%0.484.6%0.383.7%0.292.8%
Usd Book Value Change Per Share2.1821.1%0.595.7%-0.95-9.2%0.090.9%0.171.6%
Usd Dividend Per Share0.000.0%0.060.6%0.070.7%0.070.6%0.060.5%
Usd Total Gains Per Share2.1821.1%0.656.3%-0.88-8.5%0.151.5%0.222.2%
Usd Price Per Share12.22-10.58-13.11-12.64-12.69-
Price to Earnings Ratio6.74-5.67-6.94-8.94-14.05-
Price-to-Total Gains Ratio5.60-7.30--3.11-19.80-48.73-
Price to Book Ratio0.92-0.90-1.16-1.00-1.17-
Price-to-Total Gains Ratio5.60-7.30--3.11-19.80-48.73-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share10.36
Number of shares96
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.060.07
Usd Book Value Change Per Share0.590.09
Usd Total Gains Per Share0.650.15
Gains per Quarter (96 shares)62.5114.75
Gains per Year (96 shares)250.0259.01
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
123227240253449
2464544905068108
36968174075102167
492908990100136226
511611351240126169285
613913611490151203344
716215881740176237403
818518151990201271462
920820422240226305521
1023122692490251339580

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%82.02.00.097.6%
Book Value Change Per Share3.01.00.075.0%7.05.00.058.3%15.05.00.075.0%32.08.00.080.0%66.017.01.078.6%
Dividend per Share3.00.01.075.0%11.00.01.091.7%19.00.01.095.0%38.00.02.095.0%38.00.046.045.2%
Total Gains per Share3.01.00.075.0%7.05.00.058.3%15.05.00.075.0%33.07.00.082.5%67.016.01.079.8%

Fundamentals of Bank of the James Financial Group

About Bank of the James Financial Group

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.

Fundamental data was last updated by Penke on 2024-03-20 12:09:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Bank of the James Financial Group.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Bank of the James Financial Group earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Bank of the James Financial Group to the Banks - Regional industry mean.
  • A Net Profit Margin of 15.1% means that $0.15 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Bank of the James Financial Group:

  • The MRQ is 15.1%. The company is making a huge profit. +2
  • The TTM is 19.5%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ15.1%TTM19.5%-4.4%
TTM19.5%YOY21.4%-1.9%
TTM19.5%5Y18.7%+0.8%
5Y18.7%10Y17.2%+1.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ15.1%18.4%-3.3%
TTM19.5%28.0%-8.5%
YOY21.4%25.2%-3.8%
5Y18.7%22.8%-4.1%
10Y17.2%19.8%-2.6%
1.1.2. Return on Assets

Shows how efficient Bank of the James Financial Group is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Bank of the James Financial Group to the Banks - Regional industry mean.
  • 0.2% Return on Assets means that Bank of the James Financial Group generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Bank of the James Financial Group:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.2%0.0%
TTM0.2%YOY0.2%0.0%
TTM0.2%5Y0.2%+0.0%
5Y0.2%10Y0.2%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.1%+0.1%
TTM0.2%0.2%+0.0%
YOY0.2%0.2%+0.0%
5Y0.2%0.2%+0.0%
10Y0.2%0.2%0.0%
1.1.3. Return on Equity

Shows how efficient Bank of the James Financial Group is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Bank of the James Financial Group to the Banks - Regional industry mean.
  • 3.4% Return on Equity means Bank of the James Financial Group generated $0.03 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Bank of the James Financial Group:

  • The MRQ is 3.4%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.0%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.4%TTM4.0%-0.6%
TTM4.0%YOY4.3%-0.2%
TTM4.0%5Y3.1%+1.0%
5Y3.1%10Y2.6%+0.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.4%1.4%+2.0%
TTM4.0%2.5%+1.5%
YOY4.3%2.7%+1.6%
5Y3.1%2.5%+0.6%
10Y2.6%2.8%-0.2%

1.2. Operating Efficiency of Bank of the James Financial Group.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Bank of the James Financial Group is operating .

  • Measures how much profit Bank of the James Financial Group makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Bank of the James Financial Group to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Bank of the James Financial Group:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM23.1%-23.1%
TTM23.1%YOY34.1%-11.0%
TTM23.1%5Y31.6%-8.5%
5Y31.6%10Y33.1%-1.5%
1.2.2. Operating Ratio

Measures how efficient Bank of the James Financial Group is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Bank of the James Financial Group:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.358+0.358
TTM-0.358YOY0.037-0.395
TTM-0.3585Y-0.112-0.246
5Y-0.11210Y-0.130+0.018

1.3. Liquidity of Bank of the James Financial Group.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Bank of the James Financial Group is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.58 means the company has $0.58 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Bank of the James Financial Group:

  • The MRQ is 0.576. The company is unable to pay all its short-term debts. -2
  • The TTM is 578.185. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.576TTM578.185-577.609
TTM578.185YOY5,377.555-4,799.369
TTM578.1855Y2,050.431-1,472.246
5Y2,050.43110Y1,346.215+704.216
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM578.1850.124+578.061
YOY5,377.5550.225+5,377.330
5Y2,050.4310.219+2,050.212
10Y1,346.2150.131+1,346.084
1.3.2. Quick Ratio

Measures if Bank of the James Financial Group is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Bank of the James Financial Group to the Banks - Regional industry mean.
  • A Quick Ratio of -0.19 means the company can pay off $-0.19 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Bank of the James Financial Group:

  • The MRQ is -0.190. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is 1,088.261. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ-0.190TTM1,088.261-1,088.451
TTM1,088.261YOY9,914.784-8,826.523
TTM1,088.2615Y3,854.689-2,766.428
5Y3,854.68910Y2,551.399+1,303.290

1.4. Solvency of Bank of the James Financial Group.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Bank of the James Financial Group assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Bank of the James Financial Group to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.94 means that Bank of the James Financial Group assets are financed with 93.8% credit (debt) and the remaining percentage (100% - 93.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Bank of the James Financial Group:

  • The MRQ is 0.938. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.944. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.938TTM0.944-0.006
TTM0.944YOY0.944-0.001
TTM0.9445Y0.930+0.014
5Y0.93010Y0.924+0.006
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9380.915+0.023
TTM0.9440.917+0.027
YOY0.9440.919+0.025
5Y0.9300.919+0.011
10Y0.9240.927-0.003
1.4.2. Debt to Equity Ratio

Measures if Bank of the James Financial Group is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Bank of the James Financial Group to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,514.6% means that company has $15.15 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Bank of the James Financial Group:

  • The MRQ is 15.146. The company is unable to pay all its debts with equity. -1
  • The TTM is 16.863. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ15.146TTM16.863-1.718
TTM16.863YOY17.117-0.254
TTM16.8635Y13.801+3.063
5Y13.80110Y12.595+1.206
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ15.14610.829+4.317
TTM16.86311.013+5.850
YOY17.11711.363+5.754
5Y13.80111.437+2.364
10Y12.59513.038-0.443

2. Market Valuation of Bank of the James Financial Group

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Bank of the James Financial Group generates.

  • Above 15 is considered overpriced but always compare Bank of the James Financial Group to the Banks - Regional industry mean.
  • A PE ratio of 6.74 means the investor is paying $6.74 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Bank of the James Financial Group:

  • The EOD is 5.715. Based on the earnings, the company is cheap. +2
  • The MRQ is 6.741. Based on the earnings, the company is cheap. +2
  • The TTM is 5.669. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.715MRQ6.741-1.026
MRQ6.741TTM5.669+1.072
TTM5.669YOY6.944-1.274
TTM5.6695Y8.939-3.270
5Y8.93910Y14.053-5.114
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.7157.491-1.776
MRQ6.7416.680+0.061
TTM5.6695.295+0.374
YOY6.9446.943+0.001
5Y8.9399.770-0.831
10Y14.0539.943+4.110
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Bank of the James Financial Group:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.906-0.906
TTM0.906YOY1.505-0.599
TTM0.9065Y16.241-15.335
5Y16.24110Y67.267-51.026
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ--1.868+1.868
TTM0.906-0.342+1.248
YOY1.5056.448-4.943
5Y16.2410.429+15.812
10Y67.2670.091+67.176
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Bank of the James Financial Group is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.92 means the investor is paying $0.92 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Bank of the James Financial Group:

  • The EOD is 0.784. Based on the equity, the company is cheap. +2
  • The MRQ is 0.925. Based on the equity, the company is cheap. +2
  • The TTM is 0.897. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.784MRQ0.925-0.141
MRQ0.925TTM0.897+0.028
TTM0.897YOY1.161-0.264
TTM0.8975Y1.002-0.105
5Y1.00210Y1.165-0.163
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.7840.433+0.351
MRQ0.9250.386+0.539
TTM0.8970.470+0.427
YOY1.1610.642+0.519
5Y1.0020.795+0.207
10Y1.1651.025+0.140
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Bank of the James Financial Group.

3.1. Institutions holding Bank of the James Financial Group

Institutions are holding 23.837% of the shares of Bank of the James Financial Group.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31Pettyjohn Co4.31640.5109196107-2237-1.1278
2023-12-31Vanguard Group Inc3.1847014469080.0055
2023-12-31CapTrust Financial Advisors2.81680.005312797527572.2018
2023-09-30Fourthstone LLC2.00320.21699101272577393.6913
2023-12-31Banc Funds Co LLC1.50640.08246844300
2023-12-31Geode Capital Management, LLC0.8510.00013866600
2023-12-31Bridgeway Capital Management, LLC0.64310.00752921913444.8215
2023-12-31First Manhattan Co. LLC0.49110.0012231100
2023-12-31BHZ Capital Management, LP.0.48290.141821941219410
2023-12-31SALZHAUER MICHAEL0.4180.19721899000
2023-12-31Dimensional Fund Advisors, Inc.0.37950.00011724400
2023-12-31Montvue Capital Management Inc0.36530.194816597165970
2023-12-31Empowered Funds, LLC0.3570.00491621913449.0353
2023-12-31BlackRock Inc0.203109227-106-1.1358
2023-12-31Wells Fargo & Co0.14040637760.0942
2023-12-31Acadian Asset Management LLC0.04710.0001213900
2023-12-31Morgan Stanley - Brokerage Accounts0.03490158510.0631
2023-12-31Tower Research Capital LLC0.01080.0001490-63-11.3924
2023-12-31Bank of America Corp00220
2023-09-30Royal Bank of Canada000-104-100
Total 18.25171.3631829234+114067+13.8%

3.2. Funds holding Bank of the James Financial Group

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-02-29Vanguard Total Stock Mkt Idx Inv2.51330.00011141894700069.9519
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr1.67310.00097601500
2024-01-31Fidelity Extended Market Index0.44780.00072034600
2024-02-29EA Bridgeway Omni Small-Cap Value ETF0.37530.016917052350.2057
2023-12-31Bridgeway Omni Small-Cap Value0.28610.01221300000
2023-12-31Bridgeway Omni Small-Cap Value N0.28610.01221300000
2024-01-31Fidelity Total Market Index0.23080.00021048400
2024-01-31DFA US Core Equity 2 I0.18510.0003840800
2024-02-29iShares Micro-Cap ETF0.18130.0103823800
2024-01-31Fidelity Series Total Market Index0.13770.0001625400
2024-01-31DFA US Core Equity 1 I0.0740.0001336300
2023-12-31Northern Trust Extended Eq Market Idx0.07370.0007334700
2023-12-31NT Ext Equity Mkt Idx Fd - L0.07370.0007334700
2024-01-31Schwab Total Stock Market Index0.06040.0002274400
2024-02-29Vanguard U.S. Eq Idx £ Acc0.05240.0002238100
2023-12-31SSgA U.S. Extended Market Index Class I0.03960.0008180000
2024-02-29State St US Extended Mkt Indx NL Cl C0.03960.0011180000
2024-01-31DFA US Vector Equity I0.03720.0004169000
2024-01-31Spartan Extended Market Index Pool E0.01940.000588100
2024-01-31Dimensional World Equity GBP Acc0.01880.000385400
Total 6.80540.0589309193+47035+15.2%

3.3. Insider Transactions

Insiders are holding 15.431% of the shares of Bank of the James Financial Group.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-02-16William C Bryant IiiBUY95511.79
2024-02-06William C Bryant IiiBUY345012
2023-11-17Phillip C JamersonBUY3009.85
2023-11-14William C Bryant IiiBUY45810.06
2023-10-30William C Bryant IiiBUY10159.85
2023-10-25J Todd ScruggsBUY1209.83
2023-10-25John R Alford JrBUY2269.71
2023-10-24Harry P Umberger JrBUY1079.91
2023-05-12Aubrey Douglas Dalton IiiBUY4009.1
2023-05-12Robert R ChapmanBUY3009.06
2023-05-08Julie P DoyleBUY9509.24
2023-05-08Julie P DoyleBUY9509.24
2023-05-05Michael A SyrekBUY2008.96
2023-05-03Eric John Sorenson JrBUY7058.63
2023-05-03John R Alford JrBUY5008.44
2023-05-02Michael A SyrekBUY2509.25
2023-05-02Robert R ChapmanBUY4009.08
2023-04-25J Todd ScruggsBUY5810
2023-04-25Robert R ChapmanBUY50010.14
2023-04-25Watt R Foster JrBUY95310.24

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Bank of the James Financial Group compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.1810.591+269%-0.949+143%0.088+2371%0.167+1210%
Book Value Per Share--13.21511.798+12%11.299+17%12.686+4%11.140+19%
Current Ratio--0.576578.185-100%5377.555-100%2050.431-100%1346.215-100%
Debt To Asset Ratio--0.9380.944-1%0.944-1%0.930+1%0.924+1%
Debt To Equity Ratio--15.14616.863-10%17.117-12%13.801+10%12.595+20%
Dividend Per Share---0.060-100%0.073-100%0.065-100%0.056-100%
Eps--0.4530.474-4%0.477-5%0.380+19%0.289+57%
Gross Profit Margin--1.0000.923+8%0.896+12%0.879+14%0.845+18%
Market Cap47069002.400-18%55519614.80048282031.985+15%61636173.110-10%59776550.831-7%60008067.087-7%
Net Profit Margin--0.1510.195-23%0.214-29%0.187-19%0.172-12%
Operating Margin---0.231-100%0.341-100%0.316-100%0.331-100%
Operating Ratio----0.3580%0.037-100%-0.1120%-0.1300%
Pb Ratio0.784-18%0.9250.897+3%1.161-20%1.002-8%1.165-21%
Pe Ratio5.715-18%6.7415.669+19%6.944-3%8.939-25%14.053-52%
Price Per Share10.360-18%12.22010.583+15%13.110-7%12.642-3%12.694-4%
Price To Free Cash Flow Ratio---0.906-100%1.505-100%16.241-100%67.267-100%
Price To Total Gains Ratio4.750-18%5.6027.303-23%-3.109+155%19.795-72%48.733-89%
Quick Ratio---0.1901088.261-100%9914.784-100%3854.689-100%2551.399-100%
Return On Assets--0.0020.002-6%0.002-9%0.002+5%0.002+14%
Return On Equity--0.0340.040-15%0.043-20%0.031+12%0.026+33%
Total Gains Per Share--2.1810.651+235%-0.876+140%0.154+1319%0.223+879%
Usd Book Value--60039000.00053820250.000+12%53115500.000+13%59941100.000+0%52642500.000+14%
Usd Book Value Change Per Share--2.1810.591+269%-0.949+143%0.088+2371%0.167+1210%
Usd Book Value Per Share--13.21511.798+12%11.299+17%12.686+4%11.140+19%
Usd Dividend Per Share---0.060-100%0.073-100%0.065-100%0.056-100%
Usd Eps--0.4530.474-4%0.477-5%0.380+19%0.289+57%
Usd Free Cash Flow---1122750.000-100%2030250.000-100%1506500.000-100%1209900.000-100%
Usd Market Cap47069002.400-18%55519614.80048282031.985+15%61636173.110-10%59776550.831-7%60008067.087-7%
Usd Price Per Share10.360-18%12.22010.583+15%13.110-7%12.642-3%12.694-4%
Usd Profit--2059000.0002163750.000-5%2239750.000-8%1789400.000+15%1360075.000+51%
Usd Revenue--13667000.00011271000.000+21%10506000.000+30%9519450.000+44%7716900.000+77%
Usd Total Gains Per Share--2.1810.651+235%-0.876+140%0.154+1319%0.223+879%
 EOD+3 -4MRQTTM+15 -16YOY+17 -155Y+18 -1310Y+18 -13

4.2. Fundamental Score

Let's check the fundamental score of Bank of the James Financial Group based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-155.715
Price to Book Ratio (EOD)Between0-10.784
Net Profit Margin (MRQ)Greater than00.151
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than1-0.190
Current Ratio (MRQ)Greater than10.576
Debt to Asset Ratio (MRQ)Less than10.938
Debt to Equity Ratio (MRQ)Less than115.146
Return on Equity (MRQ)Greater than0.150.034
Return on Assets (MRQ)Greater than0.050.002
Total4/10 (40.0%)

4.3. Technical Score

Let's check the technical score of Bank of the James Financial Group based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5026.106
Ma 20Greater thanMa 5010.971
Ma 50Greater thanMa 10011.521
Ma 100Greater thanMa 20011.246
OpenGreater thanClose10.642
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Other Current Liabilities  -89-129-218-51-269-112-381135,136134,755
Cash And Cash Equivalents  30,025-6,74323,282-89322,389-2,28420,105-45,718-25,613
Net Debt  -9,5316,602-2,929753-2,1762,142-3445,57945,545
Long-term Assets Other  -189,426-31,350-220,7763,434-217,3423,889-213,453252,81939,366
Cash and Short Term Investments  215,812-2,943212,869-3,855209,014-6,932202,082-227,695-25,613
Net Working Capital  218,459-3,234215,225-3,955211,270-6,862204,408-261,490-57,082
Income Tax Expense  44245487146633-122511-567-56



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets969,371
Total Liabilities909,332
Total Stockholder Equity60,039
 As reported
Total Liabilities 909,332
Total Stockholder Equity+ 60,039
Total Assets = 969,371

Assets

Total Assets969,371
Total Current Assets77,673
Long-term Assets891,698
Total Current Assets
Cash And Cash Equivalents -25,613
Other Current Assets 77,673
Total Current Assets  (as reported)77,673
Total Current Assets  (calculated)52,060
+/- 25,613
Long-term Assets
Property Plant Equipment 18,141
Goodwill 2,054
Long-term Assets Other 39,366
Long-term Assets  (as reported)891,698
Long-term Assets  (calculated)59,561
+/- 832,137

Liabilities & Shareholders' Equity

Total Current Liabilities134,755
Long-term Liabilities774,577
Total Stockholder Equity60,039
Total Current Liabilities
Other Current Liabilities 134,755
Total Current Liabilities  (as reported)134,755
Total Current Liabilities  (calculated)134,755
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)774,577
Long-term Liabilities  (calculated)0
+/- 774,577
Total Stockholder Equity
Common Stock9,723
Retained Earnings 36,678
Accumulated Other Comprehensive Income -21,615
Other Stockholders Equity 35,253
Total Stockholder Equity (as reported)60,039
Total Stockholder Equity (calculated)60,039
+/-0
Other
Cash and Short Term Investments -25,613
Common Stock Shares Outstanding 4,543
Liabilities and Stockholders Equity 969,371
Net Debt 45,545
Net Working Capital -57,082
Short Long Term Debt Total 19,932



Balance Sheet

All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-31
> Total Assets 
0
0
0
114,071
118,560
119,115
133,741
145,011
158,505
161,213
169,905
171,025
171,025
185,507
191,173
195,852
202,616
204,279
214,349
232,709
236,588
245,695
261,745
270,060
277,243
306,115
320,131
328,605
375,561
397,953
426,603
437,681
409,826
407,234
415,955
418,928
430,903
429,625
429,440
427,436
433,372
433,204
426,077
441,381
428,086
430,871
435,372
434,511
442,584
447,360
451,686
460,865
488,007
492,836
507,615
527,454
524,611
545,730
559,952
574,195
578,433
595,637
619,336
626,341
653,635
655,866
668,438
674,897
684,388
690,095
708,114
725,394
746,055
827,098
849,129
851,386
886,360
908,364
942,631
987,634
973,585
959,577
962,570
928,571
948,471
950,896
960,887
969,371
969,371960,887950,896948,471928,571962,570959,577973,585987,634942,631908,364886,360851,386849,129827,098746,055725,394708,114690,095684,388674,897668,438655,866653,635626,341619,336595,637578,433574,195559,952545,730524,611527,454507,615492,836488,007460,865451,686447,360442,584434,511435,372430,871428,086441,381426,077433,204433,372427,436429,440429,625430,903418,928415,955407,234409,826437,681426,603397,953375,561328,605320,131306,115277,243270,060261,745245,695236,588232,709214,349204,279202,616195,852191,173185,507171,025171,025169,905161,213158,505145,011133,741119,115118,560114,071000
   > Total Current Assets 
0
0
0
4,417
8,131
7,677
5,220
5,247,441
4,990
5,253
5,633
3,980
3,980
5,360
6,498
4,993
8,588
6,837
24,238
6,738
25,018
7,153
8,213
4,314
9,072
12,327
44,115
2,249
51,277
13,665
14,569
10,074
2,599
13,018
12,260
11,665
12,681
11,999
19,417
17,678
14,917
20,426
20,196
17,678
67,617
61,308
68,152
16,671
64,690
59,604
50,424
38,384
43,370
48,168
49,701
15,952
55,102
55,936
57,435
16,938
69,336
68,730
74,066
20,267
78,229
81,160
80,058
26,725
83,976
80,122
83,470
30,794
88,570
88,246
108,510
31,683
135,813
172,464
184,744
192,668
247,590
237,993
232,135
218,548
215,443
211,539
204,789
77,673
77,673204,789211,539215,443218,548232,135237,993247,590192,668184,744172,464135,81331,683108,51088,24688,57030,79483,47080,12283,97626,72580,05881,16078,22920,26774,06668,73069,33616,93857,43555,93655,10215,95249,70148,16843,37038,38450,42459,60464,69016,67168,15261,30867,61717,67820,19620,42614,91717,67819,41711,99912,68111,66512,26013,0182,59910,07414,56913,66551,2772,24944,11512,3279,0724,3148,2137,15325,0186,73824,2386,8378,5884,9936,4985,3603,9803,9805,6335,2534,9905,247,4415,2207,6778,1314,417000
       Cash And Cash Equivalents 
0
0
0
3,804
7,524
7,116
4,656
5,247
4,213
4,354
4,707
3,980
3,980
4,412
5,551
4,993
7,581
5,744
5,055
6,738
5,623
5,784
6,717
4,314
7,595
10,715
12,605
10,584
11,531
10,811
10,768
10,074
15,146
11,206
10,165
11,665
10,949
10,235
17,429
17,678
13,283
18,924
17,861
16,827
20,249
16,165
19,410
16,671
17,853
21,374
14,850
12,743
17,595
16,498
14,416
15,952
16,104
20,918
16,206
16,938
19,751
18,117
22,806
20,267
21,769
25,717
25,849
26,725
28,533
24,543
27,315
30,794
31,656
30,669
30,324
31,683
33,725
39,395
30,340
29,337
32,780
34,249
38,622
30,025
23,282
22,389
20,105
-25,613
-25,61320,10522,38923,28230,02538,62234,24932,78029,33730,34039,39533,72531,68330,32430,66931,65630,79427,31524,54328,53326,72525,84925,71721,76920,26722,80618,11719,75116,93816,20620,91816,10415,95214,41616,49817,59512,74314,85021,37417,85316,67119,41016,16520,24916,82717,86118,92413,28317,67817,42910,23510,94911,66510,16511,20615,14610,07410,76810,81111,53110,58412,60510,7157,5954,3146,7175,7845,6236,7385,0555,7447,5814,9935,5514,4123,9803,9804,7074,3544,2135,2474,6567,1167,5243,804000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17,995
0
18,192
0
0
0
0
0
29,882
0
37,848
0
0
21,231
-75
0
0
7,094
0
49,171
45,153
48,338
57,159
0
0
50,294
45,702
43,022
46,811
46,091
45,336
36,514
33,940
24,395
24,103
29,448
33,122
35,996
37,763
33,809
39,922
40,776
48,220
49,315
49,664
55,312
54,633
53,688
52,333
52,727
53,497
53,818
54,400
59,655
54,992
55,072
75,628
90,185
99,832
130,964
152,298
161,830
212,616
201,429
191,131
185,787
189,587
186,625
181,977
0
0181,977186,625189,587185,787191,131201,429212,616161,830152,298130,96499,83290,18575,62855,07254,99259,65554,40053,81853,49752,72752,33353,68854,63355,31249,66449,31548,22040,77639,92233,80937,76335,99633,12229,44824,10324,39533,94036,51445,33646,09146,81143,02245,70250,2940057,15948,33845,15349,17107,09400-7521,2310037,848029,8820000018,192017,995000000000000000000
       Net Receivables 
0
0
0
613
607
561
564
729
777
899
926
983
983
948
947
1,076
1,007
1,093
1,188
1,310
1,203
1,369
1,496
1,515
1,477
1,612
1,628
1,624
2,976
2,854
3,801
2,179
1,873
1,812
2,095
1,469
1,732
1,764
1,988
1,583
1,634
1,502
2,335
2,181
1,666
2,121
1,931
1,808
1,501
1,716
1,634
2,191
1,672
2,222
2,163
2,344
1,913
2,334
2,533
2,592
2,237
2,589
2,871
3,079
2,839
3,094
3,191
2,844
2,743
2,215
1,838
1,866
1,922
2,505
2,954
2,350
2,256
2,105
2,418
2,141
2,194
2,315
2,382
2,736
2,574
2,525
2,707
0
02,7072,5252,5742,7362,3822,3152,1942,1412,4182,1052,2562,3502,9542,5051,9221,8661,8382,2152,7432,8443,1913,0942,8393,0792,8712,5892,2372,5922,5332,3341,9132,3442,1632,2221,6722,1911,6341,7161,5011,8081,9312,1211,6662,1812,3351,5021,6341,5831,9881,7641,7321,4692,0951,8121,8732,1793,8012,8542,9761,6241,6281,6121,4771,5151,4961,3691,2031,3101,1881,0931,0071,076947948983983926899777729564561607613000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
176,218
0
0
207,193
217,756
0
235,678
248,822
262,614
0
311,276
327,399
342,661
0
338,281
342,988
346,683
0
351,950
350,197
347,761
0
0
0
341,869
310,118
303,257
314,978
308,179
311,637
321,352
340,089
356,231
7,263
12,700
2,339
0
12,703
3,580
441,511
447,696
458,691
445,260
461,372
478,934
474,438
503,804
503,860
518,731
522,555
527,762
535,919
549,680
552,637
581,878
663,050
643,470
615,969
629,517
583,856
584,484
599,854
8,710
6,775
83,968
65,064
67,721
76,554
102,236
77,673
77,673102,23676,55467,72165,06483,9686,7758,710599,854584,484583,856629,517615,969643,470663,050581,878552,637549,680535,919527,762522,555518,731503,860503,804474,438478,934461,372445,260458,691447,696441,5113,58012,70302,33912,7007,263356,231340,089321,352311,637308,179314,978303,257310,118341,869000347,761350,197351,9500346,683342,988338,2810342,661327,399311,2760262,614248,822235,6780217,756207,19300176,218000000000000000000
   > Long-term Assets 
0
0
0
18,754
14,291
9,089
12,761
134,529,806
20,470
24,742
27,660
0
4,641
27,212
29,766
4,896
28,889
29,693
5,523
5,644
6,339
31,349
35,776
6,002
32,493
44,966
7,914
-2,425
8,922
56,889
69,373
10,458
-58
51,228
57,012
8,880
66,272
67,429
62,262
8,859
74,028
67,546
64,012
8,735
57,212
54,585
59,041
8,408
56,542
47,667
45,031
10,483
35,780
41,158
44,873
10,007
10,932
10,778
11,263
10,947
13,477
13,473
13,985
12,055
13,753
13,690
13,919
13,426
15,953
17,108
17,663
16,698
17,281
17,244
17,651
16,982
17,228
17,168
17,238
194,680
245,661
235,173
224,829
27,873
220,776
217,342
213,453
891,698
891,698213,453217,342220,77627,873224,829235,173245,661194,68017,23817,16817,22816,98217,65117,24417,28116,69817,66317,10815,95313,42613,91913,69013,75312,05513,98513,47313,47710,94711,26310,77810,93210,00744,87341,15835,78010,48345,03147,66756,5428,40859,04154,58557,2128,73564,01267,54674,0288,85962,26267,42966,2728,88057,01251,228-5810,45869,37356,8898,922-2,4257,91444,96632,4936,00235,77631,3496,3395,6445,52329,69328,8894,89629,76627,2124,641027,66024,74220,470134,529,80612,7619,08914,29118,754000
       Property Plant Equipment 
0
0
0
2,221
2,454
2,400
2,278
3,632
3,923
3,942
3,888
4,641
4,641
4,616
4,502
4,896
5,285
5,411
5,139
5,644
6,065
5,842
5,687
6,002
5,911
6,363
7,040
7,672
7,615
8,292
8,183
10,458
10,128
9,073
8,931
8,880
8,869
8,970
8,813
8,859
8,768
8,785
8,479
8,340
8,221
8,240
8,461
8,408
8,340
8,297
8,177
9,262
9,151
9,186
9,228
10,007
9,861
9,692
9,991
10,771
11,034
11,191
11,725
11,890
11,969
11,877
11,862
13,233
14,287
15,664
16,365
16,297
16,054
16,193
16,698
16,621
16,925
16,919
17,030
18,190
18,010
18,152
18,250
17,974
17,796
17,561
18,371
18,141
18,14118,37117,56117,79617,97418,25018,15218,01018,19017,03016,91916,92516,62116,69816,19316,05416,29716,36515,66414,28713,23311,86211,87711,96911,89011,72511,19111,03410,7719,9919,6929,86110,0079,2289,1869,1519,2628,1778,2978,3408,4088,4618,2408,2218,3408,4798,7858,7688,8598,8138,9708,8698,8808,9319,07310,12810,4588,1838,2927,6157,6727,0406,3635,9116,0025,6875,8426,0655,6445,1395,4115,2854,8964,5024,6164,6414,6413,8883,9423,9233,6322,2782,4002,4542,221000
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,901
3,001
3,819
3,819
2,054
2,054
2,054
2,054
2,054
2,0542,0542,0542,0542,0543,8193,8193,0015,9010000000000000000000000000000000000000000000000000000000000000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
328,797
327,480
327,321
321,291
323,467
325,956
3,075
329,383
335,627
334,814
3,537
353,522
364,163
377,923
2,528
2,526
2,524
2,523
2,519
2,517
3,309
3,304
3,299
3,293
3,288
3,282
5,713
3,708
3,706
3,703
535,386
542,260
560,111
560,325
581,183
580,476
58,751
630,488
93,856
614,302
134,627
155,957
165,485
216,267
205,076
194,774
189,426
193,221
190,255
185,603
0
0185,603190,255193,221189,426194,774205,076216,267165,485155,957134,627614,30293,856630,48858,751580,476581,183560,325560,111542,260535,3863,7033,7063,7085,7133,2823,2883,2933,2993,3043,3092,5172,5192,5232,5242,5262,528377,923364,163353,5223,537334,814335,627329,3833,075325,956323,467321,291327,321327,480328,7970000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
321
269
265
0
184
149
121
0
115
92
131
0
0
0
192
252
220
260
226
268
331
324
384
0
0
0
0
0
0
174
189
176
209
225
195
165
140
118
218
193
186
212
213
401
439
429
376
361
303
249
208
4,896
8,383
8,126
7,986
7,845
7,705
7,472
7,425
0
07,4257,4727,7057,8457,9868,1268,3834,89620824930336137642943940121321218619321811814016519522520917618917400000038432433126822626022025219200013192115012114918402652693210000000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
93,447
83,068
99,467
89,567
113,628
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000113,62889,56799,46783,06893,44700000000000000000000000000000000000000000000000000000000000000000000
       Other Assets 
0
0
0
90,900
96,138
102,349
115,760
-139,632,236
133,045
131,218
136,612
0
162,404
152,935
154,909
185,963
165,139
167,749
184,588
220,327
205,231
207,193
217,756
259,744
235,678
248,822
268,102
328,781
315,362
327,399
342,661
417,149
407,285
342,988
346,683
398,383
351,950
350,197
347,761
400,899
344,427
345,232
341,869
414,968
303,257
314,978
308,179
409,432
321,352
340,089
356,231
411,998
408,857
403,510
413,041
501,495
458,577
479,016
491,254
546,310
495,620
513,434
531,285
594,019
561,653
561,016
574,461
634,746
584,459
592,865
606,981
677,902
640,204
721,608
722,968
802,721
733,319
718,732
740,649
600,286
480,334
486,411
505,606
682,150
512,252
522,015
542,645
0
0542,645522,015512,252682,150505,606486,411480,334600,286740,649718,732733,319802,721722,968721,608640,204677,902606,981592,865584,459634,746574,461561,016561,653594,019531,285513,434495,620546,310491,254479,016458,577501,495413,041403,510408,857411,998356,231340,089321,352409,432308,179314,978303,257414,968341,869345,232344,427400,899347,761350,197351,950398,383346,683342,988407,285417,149342,661327,399315,362328,781268,102248,822235,678259,744217,756207,193205,231220,327184,588167,749165,139185,963154,909152,935162,4040136,612131,218133,045-139,632,236115,760102,34996,13890,900000
> Total Liabilities 
0
0
0
104,098
108,316
108,457
122,732
133,702
146,794
149,156
157,584
158,239
158,239
171,642
176,973
181,176
187,651
188,881
198,188
210,778
213,984
222,680
237,908
245,536
252,325
281,312
296,764
303,970
351,392
373,876
402,872
413,956
385,318
381,625
389,635
393,433
404,632
402,652
402,081
400,631
406,336
404,905
397,068
411,768
398,114
401,818
406,134
404,739
411,261
414,727
418,250
426,089
452,269
456,828
470,457
479,258
475,155
495,177
508,937
524,774
528,242
544,579
567,544
574,676
601,960
603,342
615,321
619,754
627,211
630,846
647,075
663,843
682,727
762,633
783,347
784,654
821,026
840,273
873,729
918,205
913,006
906,259
914,231
878,345
896,090
898,164
910,758
909,332
909,332910,758898,164896,090878,345914,231906,259913,006918,205873,729840,273821,026784,654783,347762,633682,727663,843647,075630,846627,211619,754615,321603,342601,960574,676567,544544,579528,242524,774508,937495,177475,155479,258470,457456,828452,269426,089418,250414,727411,261404,739406,134401,818398,114411,768397,068404,905406,336400,631402,081402,652404,632393,433389,635381,625385,318413,956402,872373,876351,392303,970296,764281,312252,325245,536237,908222,680213,984210,778198,188188,881187,651181,176176,973171,642158,239158,239157,584149,156146,794133,702122,732108,457108,316104,098000
   > Total Current Liabilities 
0
0
0
112
101
90
81
81
81
1,181
89
0
65
115
106
60
162
0
14
107
209
0
0
0
0
0
0
-487
299
277
243
200
164
141
134
121
120
120
110
111
114
107
77
70
73
68
67
65
67
61
58
58
82
74
76
61
81
87
77
88
77
78
100
111
108
107
131
127
154
159
167
124
347
107
140
85
64
56
49
46
39
37
37
89
218
269
381
134,755
134,7553812692188937373946495664851401073471241671591541271311071081111007877887787816176748258586167656768737077107114111110120120121134141164200243277299-48700000020910714016260106115650891,18181818190101112000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,000
10,000
10,000
10,000
10,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
12,000
2,000
0
0
10,000
0
0
0
0
0
10,000
5,000
5,000
10,000
5,000
5,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
110
0
0
0
0
000011000000000000000005,0005,00010,0005,0005,00010,0000000010,000002,00012,0002,0002,0002,0002,0002,0002,0002,0002,0002,00010,00010,00010,00010,00010,0000000000000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
25,189
0
0
0
10,000
0
0
0
0
0
10,000
5,000
5,000
15,000
5,000
5,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000000005,0005,00015,0005,0005,00010,0000000010,00000025,189000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
112
101
90
81
81
81
73
89
0
65
115
106
148
162
0
0
0
0
0
0
0
0
0
0
0
299
277
243
200
164
141
134
121
120
120
110
111
114
107
77
70
73
68
67
65
67
61
58
58
82
74
76
61
81
87
77
88
77
78
100
111
108
107
131
127
154
159
167
173
176
172
140
85
64
56
49
46
39
37
37
89
218
269
381
0
0381269218893737394649566485140172176173167159154127131107108111100787788778781617674825858616765676873707710711411111012012012113414116420024327729900000000000162148106115650897381818190101112000
       Other Current Liabilities 
0
0
0
-112
-101
-90
-81
-81
-81
1,108
-89
0
-65
-115
-106
-88
-162
0
0
0
0
0
0
0
0
0
0
0
-299
-277
-243
-200
-164
-141
-134
-121
-120
-120
-110
-111
-114
-107
-77
-70
-73
-68
-67
-65
-67
-61
-58
-58
-82
-74
-76
-61
-81
-87
-77
-88
-77
-78
-100
-111
-108
-107
-131
-127
-154
-159
-167
-49
171
-65
-140
-85
-64
-56
-49
-46
-39
-37
-37
-89
-218
-269
-381
134,755
134,755-381-269-218-89-37-37-39-46-49-56-64-85-140-65171-49-167-159-154-127-131-107-108-111-100-78-77-88-77-87-81-61-76-74-82-58-58-61-67-65-67-68-73-70-77-107-114-111-110-120-120-121-134-141-164-200-243-277-29900000000000-162-88-106-115-650-891,108-81-81-81-90-101-112000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
181,116
0
0
198,174
210,671
213,775
0
0
0
252,325
281,312
296,764
21,000
27,180
27,000
27,000
27,000
17,000
17,000
17,000
17,000
17,000
17,000
17,000
17,000
17,000
19,627
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
22,000
12,000
10,000
10,000
10,000
10,000
912
1,083
2,374
5,000
5,000
5,000
5,000
15,000
5,000
5,000
5,000
5,000
5,000
5,000
663,825
682,380
762,526
10,026
10,027
10,029
10,029
10,031
46
39
37
37
89
218
20,213
20,071
774,577
774,57720,07120,213218893737394610,03110,02910,02910,02710,026762,526682,380663,8255,0005,0005,0005,0005,0005,00015,0005,0005,0005,0005,0002,3741,08391210,00010,00010,00010,00012,00022,00012,00012,00012,00012,00012,00012,00012,00012,00012,00019,62717,00017,00017,00017,00017,00017,00017,00017,00017,00027,00027,00027,00027,18021,000296,764281,312252,325000213,775210,671198,17400181,116000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,000
7,000
7,000
7,000
9,627
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
0
0
0
0
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
7,275
10,026
10,027
10,029
10,029
0
0
0
0
0
0
20,353
20,213
0
0
0020,21320,35300000010,02910,02910,02710,0267,2755,0005,0005,0005,0005,0005,0005,0005,0005,0005,0005,0005,0005,000000010,00010,00010,00010,00010,00010,00010,00010,00010,00010,00010,00010,00010,00010,0009,6277,0007,0007,0007,0000000000000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
756
641
501
474
807
594
812
713
774
551
1,142
1,018
2,020
689
719
753
920
1,030
1,006
1,233
1,135
1,299
1,443
1,403
1,463
1,644
1,441
1,337
1,704
1,642
1,540
1,662
2,043
1,717
2,029
2,183
2,444
2,167
2,743
2,584
2,457
2,363
2,826
3,247
8,934
9,093
9,248
9,289
9,743
10,746
9,820
10,087
10,194
9,987
10,118
9,624
11,082
10,590
10,103
0
010,10310,59011,0829,62410,1189,98710,19410,0879,82010,7469,7439,2899,2489,0938,9343,2472,8262,3632,4572,5842,7432,1672,4442,1832,0291,7172,0431,6621,5401,6421,7041,3371,4411,6441,4631,4031,4431,2991,1351,2331,0061,0309207537196892,0201,0181,1425517747138125948074745016417560000000000000000000000000000
> Total Stockholder Equity
0
0
0
9,973
10,244
10,658
11,009
11,309
11,711
12,057
12,321
0
12,786
13,865
14,200
14,676
14,965
15,398
16,161
21,931
22,604
23,015
23,837
24,524
24,918
24,803
23,367
24,635
24,169
24,077
23,731
23,725
24,508
25,609
26,320
25,495
26,271
26,973
27,359
26,805
27,036
28,299
29,009
29,613
29,972
29,053
29,238
29,772
31,323
32,633
33,436
34,776
35,738
36,008
37,158
48,196
49,456
50,553
51,015
49,421
50,191
51,058
51,792
51,665
51,675
52,524
53,117
55,143
57,177
59,249
61,039
61,551
63,328
64,465
65,782
66,732
65,334
68,091
68,902
69,429
60,579
53,318
48,339
50,226
52,381
52,732
50,129
60,039
60,03950,12952,73252,38150,22648,33953,31860,57969,42968,90268,09165,33466,73265,78264,46563,32861,55161,03959,24957,17755,14353,11752,52451,67551,66551,79251,05850,19149,42151,01550,55349,45648,19637,15836,00835,73834,77633,43632,63331,32329,77229,23829,05329,97229,61329,00928,29927,03626,80527,35926,97326,27125,49526,32025,60924,50823,72523,73124,07724,16924,63523,36724,80324,91824,52423,83723,01522,60421,93116,16115,39814,96514,67614,20013,86512,786012,32112,05711,71111,30911,00910,65810,2449,973000
   Common Stock
0
0
0
3,743
3,743
3,743
3,743
3,743
4,117
4,119
4,126
0
4,129
4,267
4,269
4,269
4,288
4,308
4,323
4,914
4,962
5,470
5,475
5,472
5,463
6,009
6,014
6,014
6,014
6,320
6,323
6,400
6,400
7,065
7,065
7,113
7,113
7,113
7,113
7,152
7,152
7,152
7,152
7,175
7,175
7,175
7,175
7,201
7,201
7,201
7,201
7,215
7,215
7,215
7,215
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,370
9,325
9,286
9,286
9,286
9,286
9,255
10,147
10,145
10,145
10,145
10,145
9,905
9,905
9,758
9,723
9,723
9,723
9,7239,7239,7239,7589,9059,90510,14510,14510,14510,14510,1479,2559,2869,2869,2869,2869,3259,3709,3709,3709,3709,3709,3709,3709,3709,3709,3709,3709,3709,3709,3709,3709,3707,2157,2157,2157,2157,2017,2017,2017,2017,1757,1757,1757,1757,1527,1527,1527,1527,1137,1137,1137,1137,0657,0656,4006,4006,3236,3206,0146,0146,0146,0095,4635,4725,4755,4704,9624,9144,3234,3084,2884,2694,2694,2674,12904,1264,1194,1173,7433,7433,7433,7433,743000
   Retained Earnings Total Equity
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-2,914
-2,850
-3,068
-2,708
-2,222
-1,683
-936
-148
649
1,462
2,124
2,829
3,504
4,250
5,031
5,789
6,376
7,358
7,920
8,544
9,333
10,126
10,156
10,653
11,178
11,930
12,269
13,129
14,167
15,309
16,521
17,492
18,606
19,817
20,900
21,591
22,109
23,258
24,665
26,196
20,364
0
0
0
0
0
0
31,049
33,219
0
0
0033,21931,04900000020,36426,19624,66523,25822,10921,59120,90019,81718,60617,49216,52115,30914,16713,12912,26911,93011,17810,65310,15610,1269,3338,5447,9207,3586,3765,7895,0314,2503,5042,8292,1241,462649-148-936-1,683-2,222-2,708-3,068-2,850-2,9140000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
93
59
59
27
12
73
-26
19
0
-13
-21
-182
-241
-346
-472
-217
-233
-156
-309
-94
-7
-65
-699
-841
-76
-738
-1,027
-176
-502
-87
192
397
-692
-350
32
354
-54
-183
594
765
568
139
-1,577
-2,205
-2,421
-1,575
-940
-883
-389
-185
-704
-334
-589
47
355
24
-1,600
-1,327
-985
-1,003
-1,228
-2,319
-2,508
-3,057
-2,243
-1,207
-275
277
-5
1,462
2,081
2,249
1,792
-925
336
-386
-1,386
-12,043
-21,264
-27,084
-26,781
-24,198
-25,463
-29,778
-21,615
-21,615-29,778-25,463-24,198-26,781-27,084-21,264-12,043-1,386-386336-9251,7922,2492,0811,462-5277-275-1,207-2,243-3,057-2,508-2,319-1,228-1,003-985-1,327-1,6002435547-589-334-704-185-389-883-940-1,575-2,421-2,205-1,577139568765594-183-5435432-350-692397192-87-502-176-1,027-738-76-841-699-65-7-94-309-156-233-217-472-346-241-182-21-13019-26731227595993000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22,742
22,742
22,775
22,775
22,775
22,775
22,806
22,806
22,806
22,806
22,868
22,868
22,868
22,868
22,919
22,919
22,919
22,919
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,522
31,548
31,575
31,225
30,989
30,989
30,989
30,989
30,808
37,244
0
0
0
0
0
0
35,402
35,253
0
0
0035,25335,40200000037,24430,80830,98930,98930,98930,98931,22531,57531,54831,52231,49531,49531,49531,49531,49531,49531,49531,49531,49531,49531,49531,49531,49522,91922,91922,91922,91922,86822,86822,86822,86822,80622,80622,80622,80622,77522,77522,77522,77522,74222,7420000000000000000000000000000000000000
   Treasury Stock0000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
0
5,614
5,614
5,614
5,614
5,614
7,219
7,223
7,234
0
7,237
7,419
7,424
7,424
7,444
7,655
7,732
12,261
12,411
15,977
15,998
15,995
15,951
19,464
19,469
19,473
19,475
20,699
20,704
20,765
20,766
22,705
22,705
22,742
22,742
22,742
22,742
22,775
22,775
22,775
22,775
22,806
22,806
22,806
22,806
22,868
22,868
22,868
22,868
22,919
22,919
22,919
22,919
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,495
31,522
31,548
31,575
31,225
30,989
30,989
30,989
30,989
30,808
37,244
37,244
37,230
37,230
37,230
36,068
36,068
35,402
35,253
35,253
35,253
35,25335,25335,25335,40236,06836,06837,23037,23037,23037,24437,24430,80830,98930,98930,98930,98931,22531,57531,54831,52231,49531,49531,49531,49531,49531,49531,49531,49531,49531,49531,49531,49531,49522,91922,91922,91922,91922,86822,86822,86822,86822,80622,80622,80622,80622,77522,77522,77522,77522,74222,74222,74222,74222,70522,70520,76620,76520,70420,69919,47519,47319,46919,46415,95115,99515,99815,97712,41112,2617,7327,6557,4447,4247,4247,4197,23707,2347,2237,2195,6145,6145,6145,6145,614000



Balance Sheet

All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue52,229
Cost of Revenue-0
Gross Profit52,22952,229
 
Operating Income (+$)
Gross Profit52,229
Operating Expense-9,961
Operating Income042,268
 
Operating Expense (+$)
Research Development0
Selling General Administrative19,829
Selling And Marketing Expenses0
Operating Expense9,96119,829
 
Net Interest Income (+$)
Interest Income37,686
Interest Expense-842
Other Finance Cost-6,283
Net Interest Income30,561
 
Pretax Income (+$)
Operating Income0
Net Interest Income30,561
Other Non-Operating Income Expenses0
Income Before Tax (EBT)10,279-10,279
EBIT - interestExpense = -842
10,279
9,546
Interest Expense842
Earnings Before Interest and Taxes (EBIT)011,121
Earnings Before Interest and Taxes (EBITDA)560
 
After tax Income (+$)
Income Before Tax10,279
Tax Provision-2,073
Net Income From Continuing Ops8,5508,206
Net Income8,704
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses41,950
Total Other Income/Expenses Net10,279-30,561
 

Technical Analysis of Bank of the James Financial Group
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Bank of the James Financial Group. The general trend of Bank of the James Financial Group is BEARISH with 14.3% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Bank of the James Financial Group's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-14.3%) Bearish trend (14.3%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Bank of the James Financial Group.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 11.70 < 11.75 < 11.75.

The bearish price targets are: 10.15 > 9.8327 > 9.8229.

Tweet this
Bank of the James Financial Group Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Bank of the James Financial Group. The current mas is .

The long score for the Moving Averages is 6/14.
The longshort score for the Moving Averages is -2/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Bank of the James Financial Group Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Bank of the James Financial Group. The current macd is -0.31131941.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Bank of the James Financial Group price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Bank of the James Financial Group. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Bank of the James Financial Group price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Bank of the James Financial Group Daily Moving Average Convergence/Divergence (MACD) ChartBank of the James Financial Group Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Bank of the James Financial Group. The current adx is 38.34.

The long score for the Directional Movement Index (DMI) is 3/7.
The longshort score for the Directional Movement Index (DMI) is 3/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Bank of the James Financial Group shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bullish trend. The ADX is declining, the bullish trend is weakening. Could be a potential reversal to the downside. +2
Bank of the James Financial Group Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Bank of the James Financial Group. The current sar is 10.13.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Bank of the James Financial Group Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Bank of the James Financial Group. The current rsi is 26.11. The current phase is Oversold in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 0/(-13 +13).

  • Oversold in bear market: Short-term excessive selling, potential for relief rally. Be cautious, consider taking short-term long positions. +1
  • Trending down: The RSI is trending down. -1
Bank of the James Financial Group Daily Relative Strength Index (RSI) ChartBank of the James Financial Group Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Bank of the James Financial Group. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Bank of the James Financial Group price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Bank of the James Financial Group Daily Stochastic Oscillator ChartBank of the James Financial Group Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Bank of the James Financial Group. The current cci is -55.57362721.

Bank of the James Financial Group Daily Commodity Channel Index (CCI) ChartBank of the James Financial Group Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Bank of the James Financial Group. The current cmo is -52.9656602.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Bank of the James Financial Group Daily Chande Momentum Oscillator (CMO) ChartBank of the James Financial Group Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Bank of the James Financial Group. The current willr is -81.6091954.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Bank of the James Financial Group Daily Williams %R ChartBank of the James Financial Group Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Bank of the James Financial Group.

Bank of the James Financial Group Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Bank of the James Financial Group. The current atr is 0.30920918.

Bank of the James Financial Group Daily Average True Range (ATR) ChartBank of the James Financial Group Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Bank of the James Financial Group. The current obv is 39,142.

Bank of the James Financial Group Daily On-Balance Volume (OBV) ChartBank of the James Financial Group Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Bank of the James Financial Group. The current mfi is 50.91.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Bank of the James Financial Group Daily Money Flow Index (MFI) ChartBank of the James Financial Group Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Bank of the James Financial Group.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-11-08CCI LONG ENTRY SHORT CLOSE100 crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-11-09CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-14STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-21STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-22STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-27STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-01CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-08STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-11RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-12STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-19WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-20STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-21MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-22STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-27STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-28MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-29STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-02STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-03STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-04MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-05SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-08MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-09STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-10STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-12STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-16WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-18SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-22STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-24STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-25STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-30STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-05CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-02-06STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-08SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-02-12CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-02-13MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-15CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-20BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-02-22STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-23STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-27STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-29STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-01SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-04STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-06CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-08SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-03-12BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-14ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-20RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-25STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-27SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-28DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside

6.3. Candlestick Patterns

Bank of the James Financial Group Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Bank of the James Financial Group based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5026.106
Ma 20Greater thanMa 5010.971
Ma 50Greater thanMa 10011.521
Ma 100Greater thanMa 20011.246
OpenGreater thanClose10.642
Total3/5 (60.0%)
Penke

Good job! You gained 25 XP and 0   0   10 . What's next:

  • Share my analysis of Bank of the James Financial Group with someone you think should read this too:
  • Are you bullish or bearish on Bank of the James Financial Group? Let me know what you think in the comments.
  • Do you want an email if I find something interesting about Bank of the James Financial Group? Add an email alert using the form below.
  • Join the community if you want to keep your earnings and track your progress: Join the community
  • Is this analysis useful to you? Support me via But Me a Coffee. I'll analyze the stock market faster for you!

Get notifications about Bank of the James Financial Group

I send you an email if I find something interesting about Bank of the James Financial Group.


Comments

How you think about this?

Leave a comment

Stay informed about Bank of the James Financial Group.

Receive notifications about Bank of the James Financial Group in your mailbox!