Is BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 29.8% | |
| Net Margin | 18.5% | |
| Return on Equity (ROE) | 12.5% | |
| Return on Assets (ROA) | 0.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $9M |
| Free Cash Flow | $6M |
| Total Debt | $19M |
| Total Assets | $979M |
Price & Trading
| Last Close | $20.70 |
| 50-Day MA | $19.99 |
| 200-Day MA | $16.86 |
| Avg Volume | 4K |
| Beta | 0.1 |
|
52-Week Range
$13.00
| |
About BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
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 operates through Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management) segments. The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.
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Frequently Asked Questions
Is BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), BANK OF THE JAMES FINANCIAL GROUP INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is BANK OF THE JAMES FINANCIAL GROUP INC's debt ratio?
BANK OF THE JAMES FINANCIAL GROUP INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are BANK OF THE JAMES FINANCIAL GROUP INC's key financial metrics?
BANK OF THE JAMES FINANCIAL GROUP INC has a market capitalization of $94M, trailing P/E ratio of 10.4, and revenue of $44M. Return on equity stands at 12.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.