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: $15.55 to $15.55
• 50-Day Range: $13.55 to $15.54
• 52-Week Range: $11.56 to $17.05
• Volume: 317 shs
• Average Volume: 6,618 shs
• Market Capitalization: $70.65 million
• P/E Ratio: 9.70
• Dividend Yield: 2.59%
• Price Target: N/A
• Consensus Rating: N/A

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 2025. Since then, BOTJ stock has decreased by 3.7% and is now trading at $15.2760.

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 data on Monday, August, 4th. The financial services provider reported $0.60 earnings per share for the quarter. The financial services provider had revenue of $12.32 million for the quarter. Bank of the James Financial Group had a trailing twelve-month return on equity of 10.45% and a net margin of 11.72%.

Who are Bank of the James Financial Group's major shareholders?

Top institutional shareholders of Bank of the James Financial Group include Fourthstone LLC, Osaic Holdings Inc. and Raymond James Financial Inc. (0.04%). Insiders that own company stock include Watt R Foster Jr, Robert R Chapman, William C Bryant III, J Todd Scruggs, John R Alford Jr, Lewis C Addison, Michael A Syrek, Phillip C Jamerson, Aubrey Douglas Dalton III, Julie P Doyle, Eric John Sorenson Jr and Harry P Umberger Jr.
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 NVIDIA (NVDA), Broadcom (AVGO), Builders FirstSource (BLDR), Meta Platforms (META), Adobe (ADBE), Abercrombie & Fitch (ANF) and CrowdStrike (CRWD).

Company Calendar

• Record date for 6/20 Dividend: 6/06/2025
• Ex-Dividend for 6/20 Dividend: 6/06/2025
• Dividend Payable: 6/20/2025
• Last Earnings: 8/04/2025
• Record date for 9/26 Dividend: 9/12/2025
• Ex-Dividend for 9/26 Dividend: 9/12/2025
• Today: 9/18/2025
• Dividend Payable: 9/26/2025
• Next Earnings (Estimated): 10/24/2025
• 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: 1999

Profitability

• EPS (Trailing Twelve Months): $1.59
• Trailing P/E Ratio: 9.67
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.94 million
• Net Margins: 11.72%
• Pretax Margin: 14.69%
• Return on Equity: 10.45%
• Return on Assets: 0.71%

Debt

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

Sales & Book Value

• Annual Sales: $45.32 million
• Price / Sales: 1.56
• Cash Flow: $2.27 per share
• Price / Cash Flow: 6.79
• Book Value: $14.18 per share
• Price / Book: 1.09

Miscellaneous

• Outstanding Shares: 4,580,000
• Free Float: N/A
• Market Cap: $70.64 million
• Optionable: Not Optionable
• Beta: 0.32