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Bank of the James Financial Group, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US4702991088
USD
17.73
0.12 (0.65%)

Dec 04

NAS

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  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

17.7317.89

52 Week

11.5618.50
Valuation
Technical
Day's Volume

CASH

1.53 k

Shareholding (Mar 2025)

FII

0.10%

Held by 4 FIIs

DII

91.13%

Held by 8 DIIs

Promoter

0.51%

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.

Overview: <BR>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.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 11 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 1 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 62.38 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 10.00 <BR>Dividend Yield: 2.91% <BR>Debt Equity: 0.00 <BR>Return on Equity: 9.65% <BR>Price to Book: 0.91<BR><BR>Contact Details: <BR>Address: 828 Main St, LYNCHBURG VA: 24504-1500 <BR>Tel: 1 434 8462000 <BR>Website: http://www.bankofthejames.com

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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.

As of March 2022, the management team of Bank of the James Financial Group, Inc. includes the following individuals:<BR><BR>- Mr. Thomas Pettyjohn, Independent Chairman of the Board<BR>- Mr. Robert Chapman, President, Director of the Company; President and Chief Executive Officer, Director of the Bank<BR>- Dr. Augustus Petticolas, Independent Vice Chairman of the Board<BR>- Mr. J. Todd Scruggs, Treasurer, Secretary, Director of the Company; EVP, CFO, Director of the Bank<BR>- Mr. John Alford, Director<BR>- Mr. William Bryant, Director<BR>- Mr. Lewis Addison, Independent Director<BR>- Ms. Donna Clark, Independent Director<BR>- Mr. James Daly, Independent Director<BR><BR>This team is responsible for overseeing the operations and strategic direction of the company.

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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.

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.

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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.

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. <BR><BR>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.

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iScoreScore
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Strong Sell
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Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 7.06%

 
2

Positive results in Jun 25

3

With ROA of 0.57%, it has a expensive valuation with a 0.95 Price to Book Value

4

High Institutional Holdings at 26.84%

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 70 Million (Micro Cap)

stock-summary
P/E

10.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

1.94%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

9.98%

stock-summary
Price to Book

0.98

Revenue and Profits:
Net Sales:
12 Million
(Quarterly Results - Jun 2025)
Net Profit:
3 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
15.02%
0%
15.02%
6 Months
23.95%
0%
23.95%
1 Year
10.09%
0%
10.09%
2 Years
72.93%
0%
72.93%
3 Years
49.45%
0%
49.45%
4 Years
8.68%
0%
8.68%
5 Years
44.46%
0%
44.46%

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

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Icon
No Recent News for the Company
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
9.13%
EBIT Growth (5y)
11.48%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
22.88%
Pledged Shares
0
Institutional Holding
26.84%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.95
EV to EBIT
-2.78
EV to EBITDA
-2.13
EV to Capital Employed
1.26
EV to Sales
-0.39
PEG Ratio
NA
Dividend Yield
3.51%
ROCE (Latest)
-45.20%
ROE (Latest)
9.65%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 6 Schemes (8.26%)

Foreign Institutions

Held by 4 Foreign Institutions (0.1%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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  },
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    "link": "annual",
    "btn_text": "All Annual Results",
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stock-summaryCompany CV
About Bank of the James Financial Group, Inc. stock-summary
stock-summary
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 stock-summary
Company Details
828 Main St , LYNCHBURG VA : 24504-1500
stock-summary
Tel: 1 434 8462000
stock-summary
http://www.bankofthejames.com
stock-summary
Registrar Details
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