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BOTJ NASDAQ US

Bank of the James Financial Group, Inc. - Common Stock

Financials · Banking Website · IPO Jul 2000
$21.10
▲ +$0.40 (+1.93%)
Vol 13K
10
Quality Score
ok
Deep Check
2/5 ok
Mkt Cap
$84.4M
P/E
10.7
ROE
11.2%
Margin
19.9%
D/E
11.48
Beta
0.15
Div Yield
2.15%
52W
$12–$19

Price Chart

Earnings

Beat rate: 0.0%
Quarter EPS Est EPS Act Surprise
Mar 2025 — $0.19 —
Sep 2023 — $0.46 —
Jun 2023 — $0.56 —
Mar 2023 — $0.43 —

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue $11.1M $11.3M $10.8M $12.1M $12.3M —
Net Income $2.0M $1.6M $842K $2.7M $2.8M —

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 10.4% 10.4% 10.4% 10.4% 11.2% 11.2%
P/E (TTM) 8.93 9.05 9.91 10.83 10.35 10.66
Net Margin — 19.9% 19.9% 19.9% 19.9% 19.9%
Gross Margin — — — — — —
D/E Ratio 12.55 12.55 12.55 11.48 11.48 11.48
Current Ratio — — — — — —

Key Ratios

ROA (TTM)
0.8%
P/S (TTM)
1.06
P/B
1.1
EPS (TTM)
$1.74
CF/Share
$1.91
Rev Growth 3Y
+2.2%
52W High
$18.75
52W Low
$11.56
$11.56 52-Week Range $18.75

Financial Health

Free Cash Flow
$5.5M
Net Debt
-$19.6M
Cash
$28.4M
Total Debt
$8.8M
As of Sep 30, 2025

How does BOTJ compare to Banking peers?

Peer group: Micro-cap Banking (All) · 289 companies

BOTJ ACNB AFBI AMAL AROW

BOTJ valuation vs Banking peers

P/E ratio
10.7
▼ 15% below peers (12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
1.1
▼ 55% below peers (2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.1
▲ 6% above peers (1.1)
vs Peers
vs Industry
Fair value
Div yield
2.2%
▼ 28% below peers (3.0%)
vs Peers
vs Industry
Low yield

BOTJ profitability vs Banking peers

ROE
11.2%
▲ 25% above peers (9.0%)
vs Peers
vs Industry
Top tier
Net margin
19.9%
▼ 31% below peers (28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.8%
▼ 17% below peers (1.0%)
vs Peers
vs Industry
Weak

BOTJ financial health vs Banking peers

D/E ratio
11.5
▼ 17% below peers (13.8)
vs Peers
vs Industry
Above avg
Current ratio
—
▼ 0% below peers (0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.2
▼ 79% below peers (0.7)
vs Peers
vs Industry
More volatile

BOTJ fundamentals radar

BOTJ Peer median Industry

BOTJ profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

BOTJ vs peers: key metrics

Insider Activity

Neutral
Buys
0
Sells
0
CHAPMAN ROBERT R III
President · Feb 20
1200 shs
BRYANT WILLIAM C III
Director · Feb 19
996 shs
ADDISON LEWIS C
Director · Feb 10
93 shs
Last 90 days

Top Holders

Top 5: 23.29%
Fourthstone LLC
7.09%
$6.6M
PettyJohn, Wood & White Inc.
5.53%
$5.2M
Vanguard Group Inc
4.08%
$3.8M
Daytona Street Capital LLC
3.47%
$3.3M
CAPTRUST Financial Advisors
3.12%
$2.9M
As of Dec 31, 2025

Dividends

$0.40
/ year
Feb 17, 2026 $0.1000
Nov 21, 2025 $0.1000
Sep 12, 2025 $0.1000
Jun 06, 2025 $0.1000
Mar 07, 2025 $0.1000
Nov 22, 2024 $0.1000
Sep 06, 2024 $0.1000
Jun 07, 2024 $0.1000

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