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

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 offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also provides loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it offers other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company provides mortgage banking; investment advisory services; securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. The company was founded in 1999 and is headquartered in Lynchburg, Virginia.

Key Stats

• Today's Range: $13.55 to $13.77
• 50-Day Range: $13.55 to $14.54
• 52-Week Range: $11.56 to $17.05
• Volume: 393 shs
• Average Volume: 1,768 shs
• Market Capitalization: N/A
• P/E Ratio: 9.28
• Dividend Yield: 2.95%
• 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 73% of companies evaluated by MarketBeat, and ranked 398th out of 937 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: 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 9.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.74.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bank of the James Financial Group is 9.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

Bank of the James Financial Group has a P/B Ratio of 0.96. 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 2.94%, 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: 2.2 / 5
• News Sentiment: 0.94

News Sentiment

Bank of the James Financial Group has a news sentiment score of 0.94. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Bank of the James Financial Group this week, compared to 1 article on an average week.

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 on January 1st, 2025. Since then, BOTJ shares have decreased by 14.6% and is now trading at $13.55.

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

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

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: 7/30/2025
• Next Earnings (Estimated): 8/01/2025
• 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: 9.36
• 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: $44.30 million
• Price / Sales: 1.41
• Cash Flow: $2.29 per share
• Price / Cash Flow: 5.97
• Book Value: $14.18 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 4,580,000
• Free Float: N/A
• Market Cap: $62.59 million
• Optionable: Not Optionable
• Beta: 0.32