Investor Relations

Peer Analysis

Performance Ratios (%) BOTJ Peer Median Peer Average
ROAA 0.51 0.78 0.86
ROAE 5.69 7.91 6.55
Net Interest Margin 3.70 3.55 3.52
Efficiency Ratio 76.34 80.03 84.82
Loans / Deposits 91.84 79.44 78.85
Asset Quality Ratios (%)
NPAs / Assets 0.99 1.50 1.68
NCOs / Avg Loans 0.10 0.04 0.12
Reserves / Loans 1.25 1.48 2.08
Reserves / NPAs 104.43 72.68 112.45
Capital Ratios (%)
Tier 1 Capital 10.88 NA NA
Tangible Equity / Tangible Assets 8.57 8.57 8.37
Total Equity / Total Assets 8.57 8.57 8.31
Market Ratios
Price / Earnings (x) 21.98 NA NA
Price / Book (%) 124.43 86.58 90.51
Dividend Yield (%) 1.65 0.00 0.50
Data for trailing four quarters

Bank of the James Financial Group, Inc.'s peer group consists of the following: Cardinal Bankshares Corporation (CDBK), Exchange Bankshares, Inc. (EXCH), First Capital Bancorp, Inc. (FCVA), First National Bankshares Corp. (FBSW), OptimumBank Holdings, Inc. (OPHC), Village Bank and Trust Financial Corp. (VBFC)

Bank of the James Financial Group, Inc.'s financial data is as of 6/30/2017.

Peer financial data is as of 6/30/2017 except for these companies:

First National Bankshares Corp.'s financial data is as of 12/31/2015.
Cardinal Bankshares Corporation's financial data is as of 6/30/2016.
First Capital Bancorp, Inc.'s financial data is as of 9/30/2015.