NASDAQ:BOTJ Bank of the James Financial Group (BOTJ) Stock Price, News & Analysis $25.31 +0.52 (+2.10%) As of 01:48 PM Eastern This is a fair market value price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOwnershipSEC FilingsShort Interest About Bank of the James Financial Group Stock (NASDAQ:BOTJ) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get BOTJ alerts:Sign Up Key Stats Today's Range$24.83▼$25.4950-Day Range$23.67▼$30.0152-Week Range$16.49▼$30.84Volume8,158 shsAverage Volume21,938 shsMarket Capitalization$114.91 millionP/E Ratio9.55Dividend Yield1.58%Price TargetN/AConsensus RatingBuy Company Overview Bank of the James Financial Group, Inc. is a bank holding company headquartered in Lynchburg, Virginia. Through its principal subsidiary, Bank of the James, the company provides community banking services to individuals, businesses and organizations in Central Virginia and surrounding markets. Bank of the James offers deposit accounts, commercial and residential real estate lending, consumer loans, business loans, mortgage services and other traditional banking products. The bank also provides treasury management and cash-management services designed to support commercial customers, along with online and mobile banking capabilities for personal and business clients. Founded in 1999, Bank of the James has developed a regional branch network and emphasizes relationship-based banking and local decision-making. Its additional services include investment and wealth-management solutions offered through affiliated or related financial-services operations. The company’s activities are primarily focused on serving communities and businesses in the Lynchburg area and other parts of Virginia.AI Generated. May Contain Errors. Read More Bank of the James Financial Group Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks70th Percentile Overall ScoreBOTJ MarketRank™: 3.521840339585 of 5 starsBank of the James Financial Group scored higher than 70% of companies evaluated by MarketBeat, and ranked 422nd out of 834 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.7 / 5Analyst RatingBuy Consensus RatingBank of the James Financial Group has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.Amount of Analyst CoverageBank of the James Financial Group has only been the subject of 1 research reports in the past 90 days.Read more about Bank of the James Financial Group's stock forecast and price target. Earnings and Valuation1.3 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of Bank of the James Financial Group is 9.49, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.41.Price to Earnings Ratio vs. SectorThe P/E ratio of Bank of the James Financial Group is 9.49, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.27.Price to Book Value per Share RatioBank of the James Financial Group has a P/B Ratio of 1.43. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.68% of the float of Bank of the James Financial Group has been sold short.Short Interest Ratio / Days to CoverBank of the James Financial Group has a short interest ratio ("days to cover") of 0.66, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Bank of the James Financial Group has recently increased by 86.49%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldBank of the James Financial Group pays a meaningful dividend of 1.65%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthBank of the James Financial Group has been increasing its dividend for 5 years.Dividend CoverageThe dividend payout ratio of Bank of the James Financial Group is 15.09%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about Bank of the James Financial Group's dividend. News and Social Media3.7 / 5News Sentiment0.87 News SentimentBank of the James Financial Group has a news sentiment score of 0.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.55 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 7 news articles for Bank of the James Financial Group this week, compared to 2 articles on an average week.MarketBeat Follows1 people have added Bank of the James Financial Group to their MarketBeat watchlist in the last 30 days. Company Ownership4.2 / 5Insider TradingAcquiring Shares Cluster Insider Buying2 insiders have purchased shares of Bank of the James Financial Group in the last three months. Multiple insiders buying is a strong bullish signal.Net Insider BuyingOver the last three months, insiders have purchased a net $18,873.00 in company stock, which represents 0.0165% of the company's market cap.Insider Buying vs. Insider SellingIn the past three months, Bank of the James Financial Group insiders have bought more of their company's stock than they have sold. Specifically, they have bought $18,873.00 in company stock and sold $0.00 in company stock.Percentage Held by Insiders11.93% of the stock of Bank of the James Financial Group is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by Institutions18.50% of the stock of Bank of the James Financial Group is held by institutions.Read more about Bank of the James Financial Group's insider trading history. Receive BOTJ Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Bank of the James Financial Group and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. 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BOTJ Stock News HeadlinesBank of the James Financial Group (NASDAQ:BOTJ) Director Purchases 707 Shares of StockNovember 10 at 5:07 AM | insidertrades.comBank of the James Financial Group (NASDAQ:BOTJ) Stock Crosses Above 200-Day Moving Average - Here's WhyNovember 7 at 5:22 AM | americanbankingnews.comThe warning signs most investors see too lateDr. Martin D. Weiss has publicly predicted six major American crashes since founding Weiss Ratings in 1971. Now, after 55 years of market analysis, he says conditions are forming for a financial crisis that could rival or exceed 2008.November 10 at 1:00 AM | Weiss Ratings (Ad)Head-To-Head Review: Bank of the James Financial Group (BOTJ) & Its RivalsNovember 7 at 4:30 AM | americanbankingnews.comBank of The James Financial Group IncNovember 5, 2026 | markets.ft.comBank of the James Financial Group, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2026November 1, 2026 | marketscreener.comMBank of the James Financial Group, Inc. Approves Quarterly Dividend, Payable on December 4, 2026October 31, 2026 | marketscreener.comMBank of the James Financial Group Announces Third Quarter of 2026 and First Nine Months of 2026 Financial Results and Declaration of Cash Dividend; Increases Quarterly Cash ...October 30, 2026 | markets.businessinsider.comSee More Headlines BOTJ Stock Analysis - Frequently Asked Questions How have BOTJ shares performed this year? Bank of the James Financial Group's stock was trading at $18.58 on January 1st, 2026. Since then, BOTJ stock has increased by 35.4% and is now trading at $25.1550. How were Bank of the James Financial Group's earnings last quarter? Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) released its quarterly earnings results on Friday, October, 30th. The financial services provider reported $0.73 earnings per share for the quarter. The financial services provider earned $13.90 million during the quarter. Bank of the James Financial Group had a trailing twelve-month return on equity of 14.80% and a net margin of 18.28%. Who are Bank of the James Financial Group's major shareholders? Top institutional shareholders of Bank of the James Financial Group include Daytona Street Capital LLC (1.95%), Krilogy Financial LLC (0.27%) and Mirae Asset Global Investments Co. Ltd. (0.04%). Insiders that own company stock include Watt R Foster Jr, Robert R Chapman, William C Bryant III, J Todd Scruggs, Lewis C Addison, Phillip C Jamerson and Michael A Syrek. View institutional ownership trends. How do I buy shares of Bank of the James Financial Group? Shares of BOTJ stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Bank of the James Financial Group own? Based on aggregate information from My MarketBeat watchlists, some other companies that Bank of the James Financial Group investors own include Ardagh Group (ARD), Home BancShares (HOMB), SLB (SLB), Truist Financial (TFC), CLP (CLPHY), PepsiCo (PEP) and Acco Brands (ACCO). Company Calendar Record date for 9/4 Dividend8/21/2026Ex-Dividend for 9/4 Dividend8/21/2026Dividend Payable9/04/2026Last Earnings10/30/2026Today11/10/2026Record date for 12/4 Dividend11/20/2026Ex-Dividend for 12/4 Dividend11/20/2026Dividend Payable12/04/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Yellow Zone (1w+) 1-Year History Nov 25 Feb 26 May 26 Aug 26 Nov 26 For the last 12 days, BOTJ's financial health has been in the Yellow zone, according to TradeSmith. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:BOTJ CIK1275101 Webwww.bankofthejames.bank Phone(434) 846-2000Fax434-846-4450Employees175Year Founded1999Profitability EPS (Trailing Twelve Months)$2.65 Trailing P/E Ratio9.49 Forward P/E RatioN/A P/E GrowthN/ANet Income$9.02 million Net Margins18.28% Pretax Margin21.98% Return on Equity14.80% Return on Assets1.15% Debt Debt-to-Equity RatioN/A Current Ratio0.78 Quick Ratio0.77 Sales & Book Value Annual Sales$62.51 million Price / Sales1.83 Cash Flow$2.54 per share Price / Cash Flow9.91 Book Value$17.62 per share Price / Book1.43Miscellaneous Outstanding Shares4,540,000Free Float4,001,000Market Cap$114.20 million OptionableNot Optionable Beta0.19 Social Links The Best Nuclear Energy Stocks to BuyNuclear energy is entering a new growth cycle as rising power demand, expanding data centers, and renewed policy support bring the sector back into focus. 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