BOTJ Bank of the James Financial Group, Inc.
USFinancial ServicesAs of 2026-07-10 12:23
Why BOTJ matters now
Bank of the James Financial Group, Inc. (BOTJ) is a US stock in Financial Services. The latest InvestLog snapshot shows $25.48 with +0.30% on the session and $115.7M in market capitalization; recent performance reads 1-month +7.91% and YTD +32.13%.
The latest financial table shown here is Q1 2026, with revenue of $11.8M, net income of $2.8M, and EPS of $0.61. Investors can compare that operating picture with valuation signals such as P/E 11.20 and FCF yield 13.7%.
The latest indexable market news headline is "BOTJ vs. CFFI: Which Regional Bank Stock Looks More Attractive Now?" from Zacks Investment Research.
Additional event context on this page matters because analyst consensus is available with a median target of $—; recent insider activity includes JAMERSON PHILLIP C filing P-Purchase. These signals are research inputs, not a recommendation.
Valuation
P/E (TTM)
11.20
PEG
0.82
P/B
1.37
P/S
1.88
EV/EBITDA
8.88
DCF Value
$25.60
FCF Yield
13.7%
Div Yield
1.6%
Margins & Returns
Gross Margin
77.6%
Operating Margin
16.2%
Net Margin
18.5%
ROE
14.1%
ROA
1.0%
ROIC
7.5%
Financials
| Period | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $11.8M | $2.8M | $0.61 |
| Q4 2025 | $16.3M | $2.7M | $0.60 |
| FY 2025 | $62.5M | $9.0M | $1.99 |
| Q3 2025 | $15.7M | $2.8M | $0.61 |
Analyst Ratings
Consensus
—
Target (Consensus)
$—
Target (Median)
$—
Target Range
$— - $—
Trading Activity
Insider Trades
Related Stocks
Latest News
Company Info
Sector
Financial Services
Industry
Banks - Regional
Country
US
Exchange
—
Beta
0.18
Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.