BOTJ

Company Overview — What Does BANK OF THE JAMES FINANCIAL GROUP INC Do?

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 Unites States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it provides other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. It operates through a network of 16 full-service offices, 2 limited-service offices, and 1 residential mortgage loan production office. The company was founded in 1998 and is headquartered in Lynchburg, Virginia. BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Robert R. Chapman and employs approximately 160 people. With a market capitalization of $101M, BOTJ is one of the notable companies in the Financials sector.

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) Stock Rating — Hold (April 2026)

As of April 2026, BANK OF THE JAMES FINANCIAL GROUP INC receives a Hold rating with a composite score of 54.9/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.BOTJ ranks #229 out of 4,446 stocks in our coverage universe. Within the Financials sector, BANK OF THE JAMES FINANCIAL GROUP INC ranks #137 of 892 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

BOTJ Stock Price and 52-Week Range

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) currently trades at $22.23. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is BOTJ Overvalued or Undervalued? — Valuation Analysis

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) carries a value factor score of 25/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 12.19x, compared to the Financials sector average of 15.44x — a discount of 21%. The price-to-book ratio stands at 1.26x, versus the sector average of 1.26x. The price-to-sales ratio is 6.58x, compared to 0.93x for the average Financials stock. On an enterprise value basis, BOTJ trades at 9.48x EV/EBITDA, versus 3.37x for the sector.

At current multiples, BANK OF THE JAMES FINANCIAL GROUP INC trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

BANK OF THE JAMES FINANCIAL GROUP INC Profitability — ROE, Margins, and Quality Score

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) earns a quality factor score of 56/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.3%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 0.8% versus the sector average of 1.2%.

The operating margin is 220.7% (sector: 21.9%). Net profit margin stands at 142.9%, versus 17.7% for the average Financials stock. Revenue growth is running at 6.1% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

BOTJ Debt, Balance Sheet, and Financial Health

BANK OF THE JAMES FINANCIAL GROUP INC has a debt-to-equity ratio of 1198.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.08x, suggesting adequate working capital coverage.

BOTJ has a beta of 0.07, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for BANK OF THE JAMES FINANCIAL GROUP INC is 86/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

BANK OF THE JAMES FINANCIAL GROUP INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, BANK OF THE JAMES FINANCIAL GROUP INC reported revenue of $15M and earnings per share (EPS) of $1.99. Net income for the quarter was $8M. Gross margin was 53.8%. Operating income came in at $11M.

In FY 2025, BANK OF THE JAMES FINANCIAL GROUP INC reported revenue of $4M and earnings per share (EPS) of $1.99. Net income for the quarter was $9M. Revenue grew 6.7% year-over-year compared to FY 2024. Operating income came in at $11M.

In Q3 2025, BANK OF THE JAMES FINANCIAL GROUP INC reported revenue of $1M and earnings per share (EPS) of $0.61. Net income for the quarter was $3M. Revenue grew 5.5% year-over-year compared to Q3 2024. Operating income came in at $3M.

In Q2 2025, BANK OF THE JAMES FINANCIAL GROUP INC reported revenue of $12M and earnings per share (EPS) of $0.60. Net income for the quarter was $3M. Gross margin was 66.9%. Revenue grew 1150.0% year-over-year compared to Q2 2024. Operating income came in at $4M.

Over the past 8 quarters, BANK OF THE JAMES FINANCIAL GROUP INC has demonstrated a growth trajectory, with revenue expanding from $986,000 to $15M. Investors analyzing BOTJ stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

BOTJ Dividend Yield and Income Analysis

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

BOTJ Momentum and Technical Analysis Profile

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a momentum factor score of 65/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 25/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 69/100 reflects moderate short selling activity.

BOTJ vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) ranks #137 out of 892 stocks based on the Blank Capital composite score. This places BOTJ in the top quartile of all Financials stocks in our coverage universe. Key competitors and sector peers include OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.7/100, PARKE BANCORP, INC. (PKBK) with a score of 60.6/100, Orange County Bancorp, Inc. /DE/ (OBT) with a score of 59.3/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, and MANULIFE FINANCIAL CORP (MFC) with a score of 64.7/100.

Comparing BOTJ against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full BOTJ vs S&P 500 (SPY) comparison to assess how BANK OF THE JAMES FINANCIAL GROUP INC stacks up against the broader market across all factor dimensions.

BOTJ Next Earnings Date

No upcoming earnings date has been announced for BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy BOTJ? — Investment Thesis Summary

BANK OF THE JAMES FINANCIAL GROUP INC presents a balanced picture with arguments on both sides. The value score of 25/100 indicates premium valuation. Price momentum is positive at 65/100, suggesting the trend favors buyers. Low volatility (stability score 86/100) reduces downside risk.

In summary, BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) earns a Hold rating with a composite score of 54.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on BOTJ stock.

Related Resources for BOTJ Investors

Explore more research and tools: BOTJ vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare BOTJ head-to-head with peers: BOTJ vs OPY, BOTJ vs PKBK, BOTJ vs OBT.