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

NASDAQ: BOTJ · USD

$29.0

-0.98 (-3.3%)· Recorded snapshot

Market cap	131.9M
Revenue (ttm)	51.2M
Net income (ttm)	11.5M
EPS (ttm)	$2.53
Shares out	4.5M
P/E (trailing)	11.5x
Dividend	$0.40 (1.36%)
Volume	39,068
Beta	0.19

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 51.2M
Net income (ttm): 11.5M
EPS (ttm): $2.53
P/E (trailing): 11.5x
Market cap: 131.9M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Compra fuerte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Compra fuerte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantener

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 8.7P50 10.4P75 12.8

Trailing P/E11.5

P25 10.7P50 13.5P75 31.8

ROE14.8

P25 4.9P50 11P75 15.4

ROICn/a

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All BOTJ indicators

Market & fundamental data

Available fields

240

Groups with data

Currency

USD

Showing 240 of 240 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001275101
Company name	Bank of the James Financial Group, Inc.
Country	United States
Country code	US
CUSIP number	470299108
Earnings date	2026-11-10
Employees	175
Employees change	-6
Employees growth	-3.31%
Enterprise value	$105M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1998
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US4702991088
Last 10-K release date	2026-03-27
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	2021-06-24
Last stock split type	Forward
Market cap	$131.9M
Market cap category	Micro-Cap
Next earnings date	2026-11-10
Options	No
Price	$29.03
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	BOTJ
U.S. state	Virginia
Website	https://www.bankofthejames.bank

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	11.12x
Average P/E ratio (3Y)	7.98x
Average P/E ratio (5Y)	7.7x
Earnings yield	8.71%
EV/Earnings	9.53x
EV/FCF	9.51x
EV/Sales	2.14x
FCF / EV yield	10.52%
FCF yield	8.45%
Graham number	32.2712
Graham upside	7.53%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$26.25
Lynch upside	-12.54%
P/B ratio	1.64x
P/E ratio	11.48x
P/FCF ratio	11.84x
P/OCF ratio	10.81x
P/S ratio	2.66x
Price / tangible book value	1.81x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	19.4%
FCF margin	22.49%
Operating margin	27.98%
Pretax margin	27.84%
Profit margin	22.44%
Profit per employee	$65,657
Profitable quarters	58
Profitable years	16
Revenue per employee	$292,571
ROA	1.12%
ROA (5Y)	0.88%
ROE	14.84%
ROE (5Y)	13.42%
Tax / revenue	5.4%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	60.59%
EPS growth (Q)	19.82%
EPS growth (QoQ)	16.8%
EPS growth 10Y	11.42%
EPS growth 3Y	8.89%
EPS growth 5Y	11.46%
EPS growth quarters	5
EPS growth years	1
FCF growth	34.41%
FCF growth (Q)	-90.59%
FCF growth (QoQ)	-92.38%
FCF growth 3Y	5.84%
FCF growth 5Y	1.36%
Net income growth	60.59%
Net income growth (Q)	19.82%
Net income growth (QoQ)	16.8%
Net income growth 3Y	8.3%
Net income growth 5Y	10.38%
Net income growth quarters	5
Net income growth years	1
OCF growth	11.91%
OCF growth (Q)	-82.7%
OCF growth (QoQ)	-86.66%
OCF growth 10Y	14.36%
OCF growth 3Y	5.38%
OCF growth 5Y	-0.32%
Revenue growth	10.03%
Revenue growth (Q)	4.1%
Revenue growth (QoQ)	4.17%
Revenue growth 10Y	8.66%
Revenue growth 3Y	4.66%
Revenue growth 5Y	6.64%
Revenue growth quarters	10
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.1M
EPS	$2.53
FCF per share	$2.53
Financing cash flow	$22.1M
Free cash flow	$11.5M
Gross profit	$51.2M
Income taxes	$2.8M
Investing cash flow	$-77M
Net borrowing	$-778,000
Net cash flow	$-42.4M
Net income	$11.5M
Operating income	$14.3M
Revenue	$51.2M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$18.30
Debt / equity	0.1
Debt / FCF	0.75
Goodwill	$2.1M
Net cash (debt)	$26.9M
Net cash / market cap	19.71%
Net cash growth	-61%
Net debt / equity	-0.32
Net debt / FCF	-2.33
Piotroski F-Score	4
Property, plant and equipment	$19.1M
Shareholders' equity	$83.2M
Tangible book value	$75.2M
Tangible book value per share	$16.56
Total assets	$1B
Total cash	$35.5M
Total debt	$8.7M
Total liabilities	$958.2M
WACC	4.96%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-891.7M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend growth	0%
Dividend growth (10Y)	6.25%
Dividend growth (3Y)	7.72%
Dividend growth (5Y)	8.92%
Dividend growth years	0
Dividend payment date	2026-09-04
Dividend payment years	13
Dividend payout frequency	Quarterly
Dividend per share	$0.40
Dividend yield	1.37%
Ex-dividend date	2026-08-21
FCF payout ratio	15.78%
Last dividend	$0.10
Payout ratio	15.82%
Shareholder yield	1.33%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	150.95%
10Y return CAGR	12.11%
10Y total return	213.64%
150-day SMA	$25.34
15Y price change	693.05%
15Y return CAGR	16.91%
15Y total return	941.93%
1D price change	-3.27%
1M price change	9.16%
1M total return	9.16%
1W price change	6.3%
1W total return	6.3%
1Y price change	79.69%
1Y return CAGR	83.14%
1Y total return	83.07%
20-day SMA	$27.76
200-day SMA	$23.98
20Y price change	140.05%
20Y return CAGR	5.91%
20Y total return	215.37%
3M price change	8.11%
3M total return	8.51%
3Y price change	196.45%
3Y return CAGR	47.55%
3Y total return	221.34%
50-day SMA	$27.39
50-day SMA vs 200-day SMA	50over200
52-week high	$30.84
52-week high date	2026-10-27
52-week low	$15.72
52-week low date	2025-10-28
5Y price change	86.22%
5Y return CAGR	16.22%
5Y total return	112.02%
6M price change	25.86%
6M total return	26.88%
All-time high	$30.84
All-time high date	2026-10-27
All-time low	$1.82
All-time low date	2010-12-03
Average true range (ATR)	$0.82
Average volume	42.8K
Beta (1Y)	0.23
Beta (2Y)	0.18
Beta (5Y)	0.19
Change from 52-week high	-5.87%
Change from 52-week low	84.72%
Change from all-time high	-5.32%
Change from all-time low	1,506.16%
Change from open	-1.93%
Day's gap	-1.37%
Dollar volume	$1.1M
High price	$29.60
Low price	$29.03
Monthly RSI	85.63
Open price	$29.60
Position in 52-week range	0%
Previous close	$30.01
Price vs 150-day SMA	15.22%
Price vs 20-day SMA	5.2%
Price vs 200-day SMA	21.75%
Price vs 50-day SMA	6.61%
Relative volume	0.91
RSI	65.48
Sharpe ratio	2.53
Sharpe ratio (3Y)	1.14
Sharpe ratio (5Y)	0.49
Sortino ratio	4.91
Sortino ratio (3Y)	2.09
Sortino ratio (5Y)	0.95
Volume	39.1K
Weekly RSI	72.06
YTD price change	57.16%
YTD total return	59.2%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	3.7M
Float percentage	80.59%
Shares change (QoQ)	0%
Shares held by insiders	12.05%
Shares held by institutions	24.5%
Shares outstanding	4.5M
Short % of float	0.4%
Short % of shares	0.32%
Short ratio	0.4 days

Deeper analysis on BOTJ

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BOTJ report

Is a complete BOTJ research report available?

No complete published report is available for Bank of the James Financial Group, Inc. (BOTJ) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

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

Price

Financial snapshot

Fair-value bridge

Latest news · BOTJ

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BOTJ indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BOTJ

Frequently asked questions