DDM Analysis: BOTJ

Valuation Snapshot

Stable Growth	$121.46 - $226.05	$211.84
Multi-Stage	$35.29 - $38.65	$36.94
Blended Fair Value	$124.39
Current Price	$15.60
Upside	697.38%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	8.20%	13.64%	0.40	0.32	0.30	0.28	0.27	0.27	0.23	0.23	0.23	0.18
YoY Growth	-	-	24.44%	7.03%	7.40%	4.61%	-0.90%	16.76%	0.00%	0.00%	30.76%	58.70%
Dividend Yield	-	-	2.71%	3.15%	2.86%	1.88%	2.09%	3.39%	1.83%	1.66%	1.74%	1.66%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	5.16
(-) Cash Dividends Paid (M)	1.36
(=) Cash Retained (M)	3.80

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.03	0.65	0.39
Cash Retained (M)	3.80	3.80	3.80
(-) Cash Required (M)	-1.03	-0.65	-0.39
(=) Excess Retained (M)	2.77	3.15	3.41
(/) Shares Outstanding (M)	4.54	4.54	4.54
(=) Excess Retained per Share	0.61	0.69	0.75
LTM Dividend per Share	0.30	0.30	0.30
(+) Excess Retained per Share	0.61	0.69	0.75
(=) Adjusted Dividend	0.91	0.99	1.05
WACC / Discount Rate	6.29%	6.29%	6.29%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$121.46	$211.84	$226.05
Upside / Downside	678.60%	1,257.97%	1,349.05%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	5.16	5.50	5.86	6.24	6.64	7.08	7.29
Payout Ratio	26.41%	39.13%	51.85%	64.57%	77.28%	90.00%	92.50%
Projected Dividends (M)	1.36	2.15	3.04	4.03	5.13	6.37	6.74

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.29%	6.29%	6.29%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	2.01	2.02	2.04
Year 2 PV (M)	2.64	2.69	2.74
Year 3 PV (M)	3.26	3.35	3.45
Year 4 PV (M)	3.87	4.02	4.18
Year 5 PV (M)	4.48	4.69	4.92
PV of Terminal Value (M)	144.08	151.04	158.26
Equity Value (M)	160.33	167.82	175.59
Shares Outstanding (M)	4.54	4.54	4.54
Fair Value	$35.29	$36.94	$38.65
Upside / Downside	126.22%	136.79%	147.75%

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Bank of the James Financial Group, Inc. (BOTJ)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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