Bank of the James Financial Group, Inc. (BOTJ)
Stock analysis · NASDAQ · Financial Services · Banks - Regional
Bank of the James Financial Group, Inc. (BOTJ) is a publicly traded company in the Financial Services sector. Latest price: $29.03. Market cap $131.89M. Trailing PE 11.47. Dividend yield 1.38%. Sign in to Stocks360 for full DCF valuation, fundamentals, technicals, and AI-driven analysis.
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Proprietary Signals
About Bank of the James Financial Group, Inc.
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 financing 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 t…
Valuation
| P/E (TTM) | 11.47× |
|---|---|
| P/S (TTM) | 2.17× |
| P/B | 1.59× |
| PEG | 0.19× |
| P/FCF (TTM) | 10.36× |
| EV / EBITDA | 9.67× |
| EV / Sales | 1.91× |
| Earnings Yield | 8.71% |
| Free Cash Flow Yield | 9.65% |
| Dividend Yield | 1.38% |
Fundamentals
| Enterprise Value | $115.89M |
|---|---|
| Revenue (TTM) | $60.67M |
| Net Income (TTM) | $11.49M |
| Free Cash Flow (TTM) | $22.90M |
| Net Debt | -$16.00M |
| Working Capital | -$908.24M |
| Gross Margin | 77.26% |
| Operating Margin | 16.96% |
| Net Margin | 18.94% |
| Return on Equity | 14.30% |
| Return on Invested Capital | 7.90% |
Peers
Recent News
- Contrasting Bank of the James Financial Group (NASDAQ:BOTJ) & Erste Group Bank (OTCMKTS:EBKDY)
- Bank of the James Financial Group (NASDAQ:BOTJ) Shares Cross Above Two Hundred Day Moving Average – Should You Sell?
- Bank of the James Q2 Earnings Gain Y/Y on Loan Growth, Lower Costs
- Bank of the James Announces Second Quarter of 2026 and First Half of 2026 Financial Results and Declaration of Dividend
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