Is Bank of the James Financial Group, Inc. (BOTJ) a Buy, Sell, or Hold?
NASDAQ : BOTJ
Bank of the James Financial Group, Inc.
$26.86 USD
$0.65 (2.46%)
- Volume
- 30.72K
- Average Volume
- 17.65K
- Market Capitalization
- $122.03M
- P/E Ratio
- 10.83
- Dividend Yield
- 1.53%
- Price Target
- Year High
- $29.79
- Year Low
- $13.26
- Day High
- —
- Day Low
- —
- Payout Ratio
- $0.17
- Current Ratio
- $0.03
Industry, Sector & symbol
| Stock Exchange | NASDAQ |
| CEO | Robert R. Chapman |
| Industry | Banks - Regional |
| Sector | Financial Services |
| Current Symbol | BOTJ |
| CUSIP | 470299108 |
| CIK | 0001275101 |
| Web | https://www.bankofthejames.bank |
| Phone | 434 846 2000 |
| Currency | USD |
| Employees | 175 |
| Country | US |
Liquidity
| Debt-to-Equity Ratio | 0.11 |
| Payout Ratio | 0.17 |
| Current Ratio | 0.03 |
| Quick Ratio | 0.03 |
| Cash Ratio | 0.03 |
Sales & Book Value
| Annual Sales | $62.51M |
| Price / Sales | 2.01 |
| Cash Flow | 3.36 |
| Price / Cash Flow | 7.81 |
| Price / Book | 1.47 |
Price Target and Rating
| Average Stock Price Forecast | |
| High Stock Price Forecast | |
| Low Stock Price Forecast | |
| Forecast Upside/Downside | % |
| Consensus Rating | Buy |
| Rating Score(0-5) | 4 |
| Research Coverage | 0 Analysts |
Profitability
| EPS (Most Recent Fiscal Year) | $1.99 |
| Trailing P/E Ratio | 10.83 |
| PEG Ratio | 0.16 |
| P/E Growth | 0.16 |
| Net Income | $9.02M |
| Net Margin | 18.45% |
| Pretax Margin | 22.88% |
| Return on Equity | 14.13% |
| Return on Assets | 1.03% |
Financials Score
| AltmanZ Score | -0.81 |
| Piotroski Score | 5.00 |
| Working Capital | -924.22M |
| Total Assets | 1.06B |
| Ebit | 9.62M |
| Market Cap | 123.35M |
| Total Liabilities | 979.9M |
Poll Results
About Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) Stock
Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in fina ... ncing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.
BOTJ vs. CFFI: Which Regional Bank Stock Looks More Attractive Now?
2026-07-08 10:55:30
Bank of the James's earnings surge, efficiency gains, healthier asset quality and lower valuation make it look more attractive than C&F Financial for capital appreciation.
Bank of the James Q1 Earnings Surge Y/Y on Strong Income Growth
2026-05-05 13:46:23
BOTJ posts strong Q1 results with surging net income, improved margins and solid deposit growth, outperforming broader market gains.
Bank of the James Announces First Quarter 2026 Financial Results and Declaration of Dividend
2026-04-30 16:00:00
Bank of the James Reports First Quarter 2026 Net Income of $2.77 Million, or $0.61 Per Share Bank of the James Reports First Quarter 2026 Net Income of $2.77 Million, or $0.61 Per Share
Contrasting Bank of the James Financial Group (NASDAQ:BOTJ) and Customers Bancorp (NYSE:CUBI)
2026-04-17 01:44:50
Bank of the James Financial Group (NASDAQ: BOTJ - Get Free Report) and Customers Bancorp (NYSE: CUBI - Get Free Report) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, valuation, dividends, risk, profitability, analyst recommendations and institutional ownership. Analyst Ratings This is
Frequently Asked Questions
-
What is the current Bank of the James Financial Group, Inc. (BOTJ) stock price?
-
Bank of the James Financial Group, Inc.(NASDAQ:BOTJ) stock price is $26.86 in the last trading session. During the trading session, BOTJ stock reached the peak price of $29.79 while $13.26 was the lowest point it dropped to. The percentage change in BOTJ stock occurred in the recent session was 2.46% while the dollar amount for the price change in BOTJ stock was $0.65.
-
BOTJ's industry and sector of operation?
-
The NASDAQ listed BOTJ is part of Banks - Regional industry that operates in the broader Financial Services sector.
-
Who are the executives of BOTJ?
-
Bradford K. Harris | Market President - Roanoke Valley
Brandon Farmer | Executive Vice President & Chief Operating Officer
Brian E. Cash | President of Bank of the James Mortgage
Eric J. Sorenson Jr. | Principal Financial & Accounting Officer, Secretary, Treasurer and Director
Michael A. Syrek | President of Bank of the James -
How many employees does BOTJ have?
-
Number of BOTJ employees currently stands at 175. BOTJ operates from 828 Main Street, Lynchburg, VA 24504, US.
-
Link for BOTJ official website?
-
Official Website of BOTJ is: https://www.bankofthejames.bank
-
How do I contact BOTJ?
-
BOTJ could be contacted at phone #434 846 2000 and can also be accessed through its website. BOTJ operates from 828 Main Street, Lynchburg, VA 24504, US.
-
How many shares of BOTJ are traded daily?
-
The average number of BOTJ shares traded daily for last 3 months was 17.65K.
-
What is the market cap of BOTJ currently?
-
The market value of BOTJ currently stands at $122.03M with its latest stock price at $26.86