Bank Of The James Financial Group Inc Ratios

Ratios Dec2010 Dec2011 Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
Gross Margin 57.99%67.34%51.48%67.19%62.58%74.38%76.44%80.81%
EBT Margin 13.00%2.67%13.82%21.07%23.52%24.50%20.04%304.72%354.41%388.46%303.94%378.65%309.38%263.50%247.89%
EBIT Margin 47.13%24.72%4.70%7.17%8.00%8.33%6.81%103.58%74.45%81.57%63.85%79.53%64.97%55.34%52.06%
Operating Margin 4.70%7.17%8.00%8.33%6.81%103.58%74.45%81.57%63.85%79.53%64.97%55.34%52.06%
Net Margin 9.72%3.16%8.42%15.72%17.07%16.59%11.78%166.12%276.32%313.05%203.74%304.05%249.21%214.00%198.45%
FCF Margin 39.83%33.83%23.95%20.39%21.42%8.42%4.49%272.77%335.22%66.89%169.60%538.46%226.15%202.97%148.86%
Efficiency
Assets Average 650.62M700.15M788.39M919.51M958.10M948.97M974.31M
Equity Average 53.40M58.29M64.09M68.08M59.83M55.13M62.45M
Invested Capital 51.66M55.14M61.45M66.73M69.43M50.23M60.04M64.86M
Asset Utilization Ratio 0.000.000.000.000.000.000.00
Leverage & Solvency
Interest Coverage Ratio 1.381.120.300.570.690.680.700.610.370.280.290.941.090.220.14
Debt to Equity 0.160.210.160.14
Debt Ratio 0.010.010.010.01
Equity Ratio 0.080.080.080.080.070.050.060.07
Times Interest Earned 1.381.120.300.570.690.680.700.610.370.280.290.941.090.220.14
Dividends & Payouts
FCF Payout Ratio 0.120.440.970.220.171.030.350.090.170.180.31
Valuation
Enterprise Value 19.05M31.14M34.66M43.59M66.42M28.35M6.59M27.66M-48.29M-109.86M-6.63M-19.32M-1.21M
Market Capitalization 19.05M31.14M34.66M43.59M66.42M65.37M56.92M66.77M52.59M73.29M55.13M55.52M72.10M
Return Ratios
Return on Sales 0.10%0.03%0.08%0.16%0.17%0.17%0.12%1.66%2.76%3.13%2.04%3.04%2.49%2.14%1.98%
Return on Invested Capital 0.02%0.02%0.01%0.02%0.03%0.03%0.03%
Return on Assets 0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Return on Equity 0.10%0.10%0.06%0.11%0.15%0.15%0.13%