BOTJ Share Price | Bank of the James Financial Group, Inc. Stock Analysis & Recommendation

Q: Is Bank of the James Financial Group, Inc. technically bullish or bearish?

As of 1 November 2023, the technical data for Bank of the James Financial Group, Inc. is insufficient to form a view on whether it is bullish or bearish.

Q: Is Bank of the James Financial Group, Inc. overvalued or undervalued?

As of 5 October 2023, Bank of the James Financial Group, Inc. has moved from fair to attractive. The company is currently undervalued based on its financial metrics. Key ratios include a price-to-earnings ratio of 10.5, a return on equity of 12.3%, and a debt-to-equity ratio of 0.45. In comparison to its peers, First Community Bankshares has a P/E ratio of 12.0, while Atlantic Union Bankshares stands at 11.5, indicating that Bank of the James is trading at a discount relative to these competitors. Additionally, the stock has shown a stronger performance compared to the Sensex, reinforcing the undervaluation narrative.

Q: What does Bank of the James Financial Group, Inc. do?

Overview: Bank of the James Financial Group, Inc. is a bank holding company engaged in general retail and commercial banking, operating within the Regional Banks industry and classified as a micro-cap company.Financial Snapshot: Most recent Net Sales: 11 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 1 Million (Quarterly Results - Mar 2025) Market-cap: USD 62.38 Million (Micro Cap)Key Metrics: P/E: 10.00 Dividend Yield: 2.91% Debt Equity: 0.00 Return on Equity: 9.65% Price to Book: 0.91Contact Details: Address: 828 Main St, LYNCHBURG VA: 24504-1500 Tel: 1 434 8462000 Website: http://www.bankofthejames.com

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

10.81 k

Shareholding (Mar 2026)

FII

0.15%

Held by 4 FIIs

DII

99.34%

Held by 8 DIIs

Promoter

0.51%

Is Bank of the James Financial Group, Inc. technically bullish or bearish?

25-Jun-2025

As of November 1, 2023, there is insufficient technical data for Bank of the James Financial Group, Inc. to determine a bullish or bearish outlook.

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Is Bank of the James Financial Group, Inc. overvalued or undervalued?

25-Jun-2025

As of October 5, 2023, Bank of the James Financial Group, Inc. is considered attractive and undervalued with a P/E ratio of 10.5, a return on equity of 12.3%, and a debt-to-equity ratio of 0.45, trading at a discount compared to peers like First Community Bankshares and Atlantic Union Bankshares.

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What does Bank of the James Financial Group, Inc. do?

22-Jun-2025

Bank of the James Financial Group, Inc. is a micro-cap bank holding company that provides retail and commercial banking services. As of March 2025, it reported net sales of $11 million and a net profit of $1 million, with a market cap of $62.38 million.

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Who are in the management team of Bank of the James Financial Group, Inc.?

22-Jun-2025

As of March 2022, the management team of Bank of the James Financial Group, Inc. includes Mr. Thomas Pettyjohn (Independent Chairman), Mr. Robert Chapman (President and CEO), Dr. Augustus Petticolas (Independent Vice Chairman), and several directors including Mr. J. Todd Scruggs, Mr. John Alford, Mr. William Bryant, Mr. Lewis Addison, Ms. Donna Clark, and Mr. James Daly. This team oversees the company's operations and strategic direction.

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Compare Bank of the James Financial Group, Inc. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

High Profitability with a Net Interest Margin of 6.96%

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

With ROA of 0.77%, it has a attractive valuation with a 1.17 Price to Book Value

High Institutional Holdings at 32.76%

Market Beating performance in long term as well as near term

Mojo Parameters

Stock DNA

Industry

Regional Banks

Market cap

USD 94 Million (Micro Cap)

P/E

10.00

Industry P/E

Dividend Yield

1.94%

Debt Equity

0.00

Return on Equity

11.27%

Price to Book

1.17

Revenue and Profits:

Net Sales:

12 Million

(Quarterly Results - Mar 2026)

Net Profit:

3 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

17.13%

6 Months

34.08%

1 Year

73.62%

2 Years

114.97%

3 Years

165.69%

4 Years

90.31%

5 Years

22.81%

Bank of the James Financial Group, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

9.46%

EBIT Growth (5y)

12.10%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

25.18%

Pledged Shares

Institutional Holding

32.76%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.17

EV to EBIT

1.32

EV to EBITDA

1.13

EV to Capital Employed

-12.61

EV to Sales

0.27

PEG Ratio

0.76

Dividend Yield

1.94%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

11.27%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Mar 2026

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 6 Schemes (7.6%)

Foreign Institutions

Held by 4 Foreign Institutions (0.15%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Company CV

About Bank of the James Financial Group, Inc.

Bank of the James Financial Group, Inc.

Regional Banks

Bank of the James Financial Group, Inc. is a bank holding company for Bank of the James (Bank). The Bank is a Virginia banking corporation engaged in general retail and commercial banking business. The Company conducts two principal activities: general retail and commercial banking through the Bank and mortgage origination services through Bank of the James Mortgage, a division of the Bank. In addition, the Company provides securities brokerage services through BOTJ Investment, a division of the Bank and acts as an agent for insurance and annuity products through BOTJ Insurance, Inc. (BOTJ Insurance), a subsidiary of the Bank. Other services offered by the Bank include safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services and credit card merchant services. It also provides brokerage and investment services through the Bank's Investment division.

Company Coordinates

Company Details

828 Main St , LYNCHBURG VA : 24504-1500

Tel: 1 434 8462000

http://www.bankofthejames.com

Registrar Details