Bank of the James Financial Group, Inc. cash flow to debt ratio of 132.56% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Bank of the James Financial Group, Inc.'s free cash flow has increased 76.12% from $5.96M last year to $10.49M, signaling increasing performance

Bank of the James Financial Group, Inc.'s debt to equity ratio is 0.10, which means that the company's assets are healthy financed, signaling financial stability.

Bank of the James Financial Group, Inc.'s debt has decreased relative to shareholder equity from 0.30 last year to 0.10 today, signaling strengthened financials

Bank of the James Financial Group, Inc. has a net cash position, so leverage is healthy.

Bank of the James Financial Group, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Bank of the James Financial Group, Inc.'s profit margin has decreased (33.02%) in the last year from 13.47% to 9.02%, signaling decreasing performance

Bank of the James Financial Group, Inc.'s short-term assets of $87.86M exceed its short-term liabilities of $177.00K

Bank of the James Financial Group, Inc.'s return on assets of 0.53% is lower than the 5.00% threshold, indicating inefficient asset utilization

Bank of the James Financial Group, Inc.'s return on equity of 6.81%, is lower than 15.00%, indicating bad performance

Bank of the James Financial Group, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Bank of the James Financial Group, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Bank of the James Financial Group, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Bank of the James Financial Group, Inc. has a free cash flow yield of 8.55%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Bank of the James Financial Group, Inc.'s yearly earnings has increased 13.57% since last year from $7.94M to $9.02M, signaling increasing performance

Bank of the James Financial Group, Inc.'s yearly revenue has decreased 20.88% since last year from $58.96M to $46.66M, signaling decreasing performance

ROIC 0.53% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Bank of the James Financial Group, Inc.'s 3-year revenue CAGR of 12.27% is positive, indicating growing revenue over the past 3 years

Bank of the James Financial Group, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Bank of the James Financial Group, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Bank of the James Financial Group, Inc. is undervalued relative to its fair value price of 45.35 based on Discounted Cash Flow model

Bank of the James Financial Group, Inc. has an earnings yield of 4.46%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Bank of the James Financial Group, Inc. is overvalued relative to its fair value price of 23.57 based on EBITDA multiple model

Bank of the James Financial Group, Inc. has an EV/EBITDA ratio of 3.77x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Bank of the James Financial Group, Inc. is undervalued relative to its fair value price of 54.33 based on Earnings Fair Value model

Bank of the James Financial Group, Inc. has a PEG-ratio over 1 which is considered overvalued

Bank of the James Financial Group, Inc. has a price-to-book ratio of 1.48x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Bank of the James Financial Group, Inc. has a price-to-sales ratio of 2.02x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue