Bank of the James Financial Group, Inc. (BOTJ) AI Stock Analysis

Bank of the James Financial Group, Inc. serves as the bank holding company for Bank of the James, which provides retail and commercial banking services across Virginia. Headquartered in Lynchburg, Virginia, the institution serves individuals, businesses, associations, governmental authorities, and organizations. Deposit offerings include checking, savings, money market accounts, IRAs, health care savings accounts, and certificates of deposit. The bank originates equipment, facility, inventory, and working capital commercial loans, alongside commercial real estate mortgages and residential construction loans. Consumer lending spans personal, automobile, installment, and home equity loans. It also provides treasury management, merchant services, securities brokerage, and digital banking.

Bank of the James grew annual revenue from $39.3M in FY2021 to $62.5M in FY2025, reflecting a 5-year revenue CAGR of 9.6% from FY2020 to FY2025. Annual net income was $7.6M in FY2021, $9.0M in FY2022, $8.7M in FY2023, $7.9M in FY2024, and $9.0M in FY2025. Diluted EPS reached $1.99 in FY2025, up from $1.63 in FY2021. Gross margin shifted from 95.9% in FY2021 to 77.9% in FY2025, while operating margin was 17.8% in FY2025. For the trailing twelve months ended June 30, 2026, revenue stood at $51.2M with net margin of 22.4% and EPS of $2.53. In the latest quarter, quarterly revenue rose 4.1% year-over-year, while quarterly earnings grew 19.8%.

As of June 30, 2026, Bank of the James held $261.5M in cash and short-term investments against total debt of $8.7M, yielding net cash of $252.8M. Total assets reached $1.04B, with shareholders' equity at $83.2M. The company reported a debt-to-equity ratio of 0.10 and a current ratio of 0.03. In FY2025, operating cash flow was $11.7M and free cash flow was $10.5M, after funding capital expenditures of $1.2M. Cash returns included $1.8M in dividends paid during FY2025, and its common share count decreased 4.2% over 5 years.

At a last close of $26.84 on October 16, 2026, BOTJ had a market capitalization of $121.9M and an enterprise value of $95.1M. The stock trades at a trailing P/E of 10.6x, below the 12.1x median of its US-listed Financial Services peers. Its price-to-sales multiple is 2.4x, compared to the peer median of 3.2x, while price-to-book is 1.4x. Over the past year, BOTJ shares gained 77.0%, outperforming the S&P 500 (SPY) return of 16.8%. Over five years, the stock returned 108.2% versus 83.0% for the S&P 500.

Bank of the James Financial Group pays a forward annual dividend of $0.40 per share, distributed quarterly, equating to a 1.49% dividend yield at the last close of $26.84. The dividend payout ratio is 15.8%. The company has paid dividends for 13 consecutive years, with an annualized 5-year dividend growth rate of 9.5%. Its most recent ex-dividend date was August 21, 2026.

No analyst consensus ratings or price targets are provided for BOTJ. The company's next earnings report is scheduled for October 29, 2026. Over the trailing twelve months, the company generated $2.53 in EPS and achieved quarterly earnings growth of 19.8% year-over-year in the period ended June 30, 2026.

This page is an AI-written research summary of Bank of the James Financial Group, Inc. (BOTJ). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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