Bank of the James Financial Group, Inc. BOTJ FINANCIAL
Company Overview
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 United States. It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management). The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.
Why Investors Should Care
Net profit has compounded at 11.3% per year over the last five years.
Revenue has grown at a 11.7% CAGR over the past five years.
Trades at a P/E of 11.1, below the sector median of 12.9.
Maintains a net profit margin of 22.4%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $4.27M (+6.7% YoY); net profit $9.02M.
- Trailing 12 Months Year-on-year growth — revenue +4.1%, earnings +19.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 11.7%, profit CAGR 11.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 11.73% |
| 1 Year: | 4.10% |
Compounded Profit Growth
| 5 Years: | 11.26% |
| 1 Year: | 19.80% |
Stock Price Performance
| 1 Year: | +104.74% |
| 6 Months: | +43.18% |
| 3 Months: | +16.42% |
| 1 Month: | +3.68% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)69.15 · Neutral
P/E of 11.13 is below the sector median of 12.89 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 22.4%.
- Compounding revenue at 11.7% over 5 years.
- Profit CAGR of 11.3% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BOTJ Bank of the James Financial Group, Inc. FINANCIAL | 28.15 | 11.13 | $127.89M | 1.42% | - | 14.84% | 11.73% | 11.26% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2013 | Jun 2013 | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 479.00K | 464.00K | 465.00K | 446.00K | 439.00K | 461.00K | 448.00K | 488.00K | 514.00K | 498.00K | 554.00K | 637.00K | 612.00K | 592.00K | 658.00K | 1.31M | 983.00K | 955.00K | 1.00M | 953.00K | 986.00K | 991.00K | 981.00K | 975.00K | 1.05M | 994.00K |
| Net Income | 788.00K | 797.00K | 813.00K | 705.00K | 843.00K | 914.00K | 927.00K | 957.00K | 983.00K | 887.00K | 1.05M | 1.05M | 760.00K | 787.00K | 1.01M | 1.12M | 1.30M | 1.40M | 1.23M | 1.38M | 1.47M | 995.00K | 821.00K | 1.45M | 1.83M | 2.01M | 1.88M | 2.14M | 2.29M | 2.57M | 1.98M | 2.53M | 2.08M | 2.19M | 2.15M | 1.99M | 842.00K | 2.71M | 2.75M | 2.77M |
| Diluted EPS | 0.24 | 0.24 | 0.24 | 0.21 | 0.25 | 0.27 | 0.27 | 0.28 | 0.29 | 0.20 | 0.24 | 0.24 | 0.17 | 0.18 | 0.23 | 0.26 | 0.30 | 0.32 | 0.28 | 0.31 | 0.34 | 0.23 | 0.19 | 0.34 | 0.38 | 0.42 | 0.40 | 0.45 | 0.48 | 0.55 | 0.43 | 0.56 | 0.46 | 0.48 | 0.47 | 0.44 | 0.19 | 0.60 | 0.61 | 0.61 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | 1.76M | 1.87M | 1.78M | 2.03M | 2.50M | 3.59M | 3.90M | 4.00M | 4.27M |
| Net Income | 1.82M | 600.00K | 2.13M | 3.06M | 3.41M | 3.69M | 3.29M | 2.92M | 5.30M | 5.61M | 4.98M | 7.59M | 8.96M | 8.70M | 7.94M | 9.02M |
| Diluted EPS | - | 0.18 | 0.64 | 0.91 | 1.01 | 1.07 | 0.75 | 0.67 | 1.21 | 1.28 | 1.04 | 1.60 | 1.91 | 1.91 | 1.75 | 1.99 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 418.93M | 427.44M | 441.38M | 434.51M | 460.87M | 527.14M | 574.20M | 626.34M | 674.90M | 725.39M | 851.39M | 987.63M | 928.57M | 969.37M | 979.24M | 1.04B |
| Total Equity | 23.73M | 25.50M | 26.80M | 29.61M | 29.77M | 34.78M | 48.20M | 49.42M | 51.66M | 55.14M | 61.45M | 66.73M | 69.43M | 50.23M | 60.04M | 64.86M | 80.05M |
| Cash & Equivalents | 31.30M | 18.76M | 23.34M | 41.00M | 16.67M | 12.74M | 28.66M | 28.68M | 37.02M | 50.33M | - | - | - | - | - | - | - |
| Total Liabilities | - | 393.43M | 400.63M | 411.77M | 404.74M | 426.09M | 478.95M | 524.77M | 574.68M | 619.75M | 663.95M | 784.65M | 918.21M | 878.35M | 909.33M | 914.38M | 958.98M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 7.72M | 7.12M | 5.05M | - | - | - | 2.79M | 6.72M | 8.57M | 5.59M | 5.20M | 16.35M | 9.31M | 9.49M | 8.51M | 11.66M |
| Investing Cash Flow | 357.00K | -9.51M | 1.15M | - | - | - | -47.21M | -46.71M | -38.77M | -52.52M | -62.05M | -65.03M | -88.13M | -23.34M | -11.17M | -42.40M |
| Financing Cash Flow | -20.62M | 6.96M | 11.46M | - | - | - | 44.45M | 48.33M | 43.50M | 35.72M | 118.63M | 130.95M | -42.57M | 26.92M | 1.14M | 41.90M |
| Capital Expenditure | -266.00K | -694.00K | -414.00K | -821.00K | -1.34M | -1.51M | -1.71M | -1.92M | -2.30M | -4.40M | -1.75M | -2.91M | -1.19M | -1.57M | -2.55M | -1.17M |
| Free Cash Flow | 7.46M | 6.43M | 4.63M | - | - | - | 1.08M | 4.80M | 6.27M | 1.19M | 3.45M | 13.44M | 8.12M | 7.92M | 5.96M | 10.49M |
| Share Buybacks | - | - | - | - | - | - | - | - | - | 315.00K | 275.00K | 427.00K | 1.40M | 997.00K | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | 166.1% | 283.4% | 314.0% | 245.0% | 304.0% | 249.5% | 223.1% | 198.5% | 211.1% |
| ROE % | 7.1% | 2.2% | 7.2% | 10.3% | 9.8% | 7.7% | 6.6% | 5.7% | 9.6% | 9.1% | 7.5% | 10.9% | 17.8% | 14.5% | 12.2% | 11.3% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Fourthstone LLC | 7.36% | 334.49K | $9.11M |
| 2 | PettyJohn, Wood & White Inc. | 4.82% | 218.86K | $5.96M |
| 3 | Vanguard Capital Management LLC | 3.51% | 159.26K | $4.34M |
| 4 | CAPTRUST Financial Advisors | 3.17% | 143.98K | $3.92M |
| 5 | Daytona Street Capital LLC | 1.74% | 79.08K | $2.15M |
| 6 | North Reef Capital Management LP | 1.10% | 50.13K | $1.37M |
| 7 | Geode Capital Management, LLC | 0.93% | 42.20K | $1.15M |
| 8 | Bridgeway Capital Management, LLC | 0.83% | 37.68K | $1.03M |
| 9 | Dimensional Fund Advisors LP | 0.82% | 37.18K | $1.01M |
| 10 | Susquehanna International Group, LLP | 0.77% | 35.06K | $955.33K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BOTJ
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BOTJ — Frequently Asked Questions
What is the current share price of Bank of the James Financial Group, Inc. (BOTJ)?
As of 2026-09-19 21:16 PDT, Bank of the James Financial Group, Inc. (BOTJ) trades at $28.15 on NasdaqCM. Its 52-week range is $13.69 to $28.15.
What is the market capitalisation of BOTJ?
Bank of the James Financial Group, Inc. (BOTJ) has a market capitalisation of $127.89M on NasdaqCM.
What is the P/E ratio of BOTJ?
BOTJ trades at a trailing price-to-earnings (P/E) ratio of 11.13. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.52.
Does BOTJ pay a dividend?
Bank of the James Financial Group, Inc. (BOTJ) currently offers a dividend yield of 1.42%.
What is the return on equity (ROE) of BOTJ?
BOTJ has a return on equity (ROE) of 14.84%.
Is BOTJ a good stock to buy?
This page provides a data-driven analysis of Bank of the James Financial Group, Inc. (BOTJ), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.