Bank of the James Financial Group (BOTJ) Stock Price, News & Analysis

Company Overview

Bank of the James Financial Group, Inc. (NASDAQ: BOTJ) is the bank holding company for Bank of the James, a community-oriented financial institution based in central Virginia. The Company provides a broad range of banking and financial services to individuals, small and medium-sized businesses, and nonprofit organizations. Its offerings include deposit products such as checking, savings, money market and certificates of deposit, as well as comprehensive lending solutions spanning commercial real estate, construction, agriculture, home mortgages and consumer loans.

Since its founding in 1970 as Bank of the James, the organization has pursued a growth strategy built upon local decision-making and personalized service. Over the decades, it has expanded its branch network across the Richmond metropolitan area, Roanoke Valley and Southside Virginia, adding locations in cities such as Charlottesville, Lynchburg and Fredericksburg. This regional footprint enables the Company to serve both urban and rural communities, fostering long-standing relationships with customers rooted in trust and responsiveness.

In addition to traditional banking services, Bank of the James Financial Group offers treasury management, merchant services, online and mobile banking platforms, and wealth management through its subsidiary, Bank of the James Wealth Advisors. The wealth management team provides financial planning, retirement and investment advisory services tailored to individuals and families, while treasury management solutions help businesses optimize cash flow, manage receivables and streamline payables through automated tools.

Leadership at Bank of the James Financial Group is anchored by its President and Chief Executive Officer, who works in collaboration with an experienced executive team overseeing retail banking, commercial lending, risk management and technology. The Company’s board of directors comprises community leaders and financial experts committed to upholding high standards of governance and supporting local economic development. Through a combination of regional focus, personalized service and prudent management, Bank of the James Financial Group continues to pursue sustainable growth in its core markets.

Key Stats

• Today's Range: $13.98 to $14.13
• 50-Day Range: $13.70 to $14.54
• 52-Week Range: $11.46 to $17.05
• Volume: 849 shs
• Average Volume: 7,082 shs
• Market Capitalization: N/A
• P/E Ratio: 9.68
• Dividend Yield: 2.83%
• Price Target: N/A
• Consensus Rating: N/A

Bank of the James Financial Group Stock Analysis - MarketRank™

Bank of the James Financial Group scored higher than 77% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Bank of the James Financial Group.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Bank of the James Financial Group is 9.68, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bank of the James Financial Group is 9.68, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

Bank of the James Financial Group has a P/B Ratio of 1.00. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.18% of the float of Bank of the James Financial Group has been sold short.

Short Interest Ratio / Days to Cover

Bank of the James Financial Group has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bank of the James Financial Group has recently decreased by 17.86%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Bank of the James Financial Group pays a meaningful dividend of 2.86%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Bank of the James Financial Group has been increasing its dividend for 5 years.

Dividend Coverage

The dividend payout ratio of Bank of the James Financial Group is 27.40%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.18% of the float of Bank of the James Financial Group has been sold short.

Short Interest Ratio / Days to Cover

Bank of the James Financial Group has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bank of the James Financial Group has recently decreased by 17.86%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

Bank of the James Financial Group has a news sentiment score of 1.89. 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 0.91 average news sentiment score of Finance companies.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In 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 $148,617.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

15.37% 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 Institutions

Only 18.50% of the stock of Bank of the James Financial Group is held by institutions.

BOTJ Stock Analysis - Frequently Asked Questions

How have BOTJ shares performed this year?

Bank of the James Financial Group's stock was trading at $15.87 at the beginning of the year. Since then, BOTJ shares have decreased by 11.0% and is now trading at $14.13.

How were Bank of the James Financial Group's earnings last quarter?

Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) issued its quarterly earnings data on Wednesday, April, 30th. The financial services provider reported $0.19 EPS for the quarter. The financial services provider had revenue of $11 million for the quarter. Bank of the James Financial Group had a net margin of 10.91% and a trailing twelve-month return on equity of 10.01%.

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 NVIDIA (NVDA), Broadcom (AVGO), Builders FirstSource (BLDR), Meta Platforms (META), Adobe (ADBE), Abercrombie & Fitch (ANF) and CrowdStrike (CRWD).

Company Calendar

• Last Earnings: 4/30/2025
• Record date for 6/20 Dividend: 6/06/2025
• Ex-Dividend for 6/20 Dividend: 6/06/2025
• Dividend Payable: 6/20/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/25/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BOTJ
• CIK: 1275101
• Web: www.bankofthejames.com
• Phone: (434) 846-2000
• Fax: 434-846-4450
• Employees: 160
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.46
• Trailing P/E Ratio: 9.60
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.94 million
• Net Margins: 10.91%
• Pretax Margin: 13.62%
• Return on Equity: 10.01%
• Return on Assets: 0.66%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.81
• Quick Ratio: 0.80

Sales & Book Value

• Annual Sales: $59.78 million
• Price / Sales: N/A
• Cash Flow: $2.31 per share
• Price / Cash Flow: 6.07
• Book Value: $14.18 per share
• Price / Book: 0.99

Miscellaneous

• Outstanding Shares: N/A
• Free Float: N/A
• Market Cap: N/A
• Optionable: Not Optionable
• Beta: 0.32