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

Company Overview

Bank of the James Financial Group, Inc. is the bank holding company for The Bank of the James, a Virginia-chartered commercial bank headquartered in Lynchburg, Virginia. Established in the early 20th century, the organization has developed a reputation for community banking with a focus on personalized service. As a NASDAQ-listed entity under the ticker BOTJ, the holding company oversees a network of full-service branches throughout Central and Southwestern Virginia.

The Bank of the James offers a comprehensive suite of consumer and commercial banking solutions. Deposit products include checking, savings, money market and certificate of deposit accounts, while lending services range from residential mortgages and home equity lines of credit to business loans and commercial real estate financing. The institution also provides treasury management, merchant services and cash management tools designed to support local businesses and professionals.

With roots tracing back more than a century, Bank of the James has expanded its geographic footprint beyond its Lynchburg origins to serve communities across several Virginia counties. The bank leverages both in-branch expertise and digital banking platforms, enabling customers to access mobile deposit, online bill pay and real­time account monitoring. This hybrid approach aims to combine the convenience of technology with the personalized attention characteristic of a community bank.

Under the guidance of an experienced executive management team and board of directors, Bank of the James maintains a focus on local economic development and financial literacy initiatives. The company supports regional non­profits, educational programs and small business development efforts, reinforcing its commitment to the communities it serves. As a financial holding company, Bank of the James Financial Group continues to pursue responsible growth while preserving the community-oriented values that have defined its operations for generations.

Key Stats

• Today's Range: $22.91 to $23.25
• 50-Day Range: $20.02 to $23.40
• 52-Week Range: $13.00 to $29.79
• Volume: 9,779 shs
• Average Volume: 7,755 shs
• Market Capitalization: $104.24 million
• P/E Ratio: 9.49
• Dividend Yield: 1.74%
• Price Target: N/A
• Consensus Rating: Hold

Bank of the James Financial Group Stock Analysis - MarketRank™

Bank of the James Financial Group scored higher than 51% of companies evaluated by MarketBeat, and ranked 713th out of 879 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Bank of the James Financial Group has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Bank of the James Financial Group has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 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 9.49, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.05.

Price to Earnings Ratio vs. Sector

The 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 24.00.

Price to Book Value per Share Ratio

Bank of the James Financial Group has a P/B Ratio of 1.28. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.19% 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 0.47, 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 increased by 0.61%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Bank of the James Financial Group pays a meaningful dividend of 1.76%, 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 16.53%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

2 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 Buying

Over the last three months, insiders have purchased a net $26,004.00 in company stock, which represents 0.0249% of the company's market cap.

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 $26,004.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

11.93% 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 Institutions

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

Company Calendar

• Record date for 3/6 Dividend: 2/17/2026
• Ex-Dividend for 3/6 Dividend: 2/17/2026
• Dividend Payable: 3/06/2026
• Last Earnings: 4/30/2026
• Record date for 6/5 Dividend: 5/22/2026
• Ex-Dividend for 6/5 Dividend: 5/22/2026
• Today: 5/27/2026
• Dividend Payable: 6/05/2026
• Fiscal Year End: 12/31/2026

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: 1999

Profitability

• EPS (Trailing Twelve Months): $2.42
• Trailing P/E Ratio: 9.49
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $9.02 million
• Net Margins: 17.17%
• Pretax Margin: 21.29%
• Return on Equity: 14.13%
• Return on Assets: 1.06%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.78
• Quick Ratio: 0.77

Sales & Book Value

• Annual Sales: $62.51 million
• Price / Sales: 1.67
• Cash Flow: $2.47 per share
• Price / Cash Flow: 9.29
• Book Value: $17.89 per share
• Price / Book: 1.28

Miscellaneous

• Outstanding Shares: 4,540,000
• Free Float: 4,001,000
• Market Cap: $104.24 million
• Optionable: Not Optionable
• Beta: 0.18