NVDA+0.84%AAPL−2.51%GOOGL−1.17%MSFT−2.04%AMZN−0.15%TSM+2.85%SPCX−1.20%AVGO+0.21%
StockVS

NASDAQ · Banks - Regional · USD

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

Bank of the James Financial Group, Inc. (BOTJ) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

BOTJ

$27.60

+$0.11 (+0.40%)

Sep 4, 2026 · Market close

Compare

Price History

Hover for the daily close. The dotted line marks the period open.

Compare BOTJ with… →

BOTJ Key Statistics

As of Sep 4, 2026
Trading
Open
$27.58
Previous Close
$27.49
Day's Range
27.50–28.01
52-Week Range
14.29–29.79
Volume
23.00K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.18
Valuation
Market Cap
$125.40M
P/E Ratio
10.91
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
2.45
EPS (ttm)Profit attributable to each share over the last twelve months.
2.53
Financials (FY)
Revenue (FY)
$47.76M+9.64%
Net Income (FY)
$9.02M+13.57%
Profit marginThe share of revenue left as profit after all costs and taxes.
22.44%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
4.54M
1-Year Return
+83.03%
Dividend and dates
Dividend
$0.40+1.45%
Ex-Dividend Date
August 21, 2026
Avg Volume
32.52K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

BOTJ Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+49.92%
2025+20.31%
2024+34.15%
2023+5.77%
2022−21.22%
2021+42.81%
2020−18.68%
2019+19.79%
2018−11.49%
2017−0.02%
2016 (partial year)+16.85%

As of September 4, 2026.

BOTJ Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$47.76M$9.02M18.9%
2024$43.56M$7.94M18.2%
2023$41.80M$8.70M20.8%
2022$42.02M$8.96M21.3%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$47.76M——$9.02M18.9%
2024$43.56M——$7.94M18.2%
2023$41.80M——$8.70M20.8%
2022$42.02M——$8.96M21.3%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

BOTJ Dividend History

$0.40+0.0% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.303—
2025$0.404+0.0%
2024$0.404+25.0%
2023$0.324+10.3%
YearDividends per sharePaymentsChange
2026 (partial year)$0.303—
2025$0.404+0.0%
2024$0.404+25.0%
2023$0.324+10.3%
2022$0.294+8.5%
2021$0.274+5.0%
2020$0.254+0.0%
2019$0.255+16.7%
2018$0.224+0.0%
2017$0.224+100.0%
2016$0.112—

Most recent payment: $0.10 per share, ex-dividend August 21, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

BOTJ Valuation vs Banks - Regional Median

Median of 380 stocks
MetricBOTJBanks - Regional medianvs median
P/E10.9112.6214% below
P/S ratio2.453.7735% below
Profit margin22.44%29.15%6.7 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The market values Bank of the James Financial Group, Inc. (BOTJ) at $125.40M. The company sits in the Financial Services sector, in the Banks - Regional industry. Headcount on file is 162.

The 52-week range on file runs from $14.29 to $29.79. BOTJ last closed at $27.60 on September 4, 2026. That is +$0.11 (+0.40%) against the previous close. The latest close sits 93.14% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $47.76M. Against the prior fiscal year total of $43.56M, that is a change of +9.64%. The same year closed with net income of $9.02M. That is +13.57% against the prior fiscal year. The reported profit margin is 22.44%. That is 6.7 percentage points below the Banks - Regional median of 29.15%. Earnings per share on a trailing basis come to 2.53.

Across the 4 fiscal years on file, revenue moves from $42.02M in 2022 to $47.76M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 10.91 times earnings. That is 13.55% below the Banks - Regional median of 12.62. The price-to-sales ratio is 2.45. On price-to-sales that is 35.05% below the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.18. Daily returns over the trailing 10 years annualize to a volatility of 32.71%. The trailing one-year price return is +83.03%. Across 10 years the annualized return works out at +11.79%.

Growth & Income

Shareholders receive a dividend, yielding 1.45% on the latest price. That is 1.3 percentage points below the Banks - Regional median yield of 2.7%. The indicated annual rate is $0.40 a share. The ex-dividend date on file is August 21, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $0.30 a share. The year before, 2025, totalled $0.40 a share.

2026 is still running; the price is +49.92% year to date. Across the complete calendar years on file, 2021 returned +42.81% and 2022 returned −21.22%. Of the 9 complete calendar years on file, 5 finished higher.

Peer Comparison

Bank of the James Financial Group, Inc. (BOTJ) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Bank of the James Financial Group, Inc. BOTJ $125.40M 10.9
Mizuho Financial Group, Inc. MFG $135.92B 16.0
HDFC Bank Limited HDB $119.10B 16.0
ICICI Bank Limited IBN $108.74B 18.7

The Banks - Regional industry average P/E ratio is 12.6x. Bank of the James Financial Group, Inc. trades at a P/E of 10.9.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

Related Banks - Regional Stocks

MFG

Mizuho Financial Group, Inc.

$135.92B

 HDB

HDFC Bank Limited

$119.10B

 IBN

ICICI Bank Limited

$108.74B

 USB

U.S. Bancorp

$98.73B

 PNC

The PNC Financial Services Group, Inc.

$97.98B

 ITUB

Itaú Unibanco Holding S.A.

$89.83B
View all Banks - Regional stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.08T

 JPM

JPMorgan Chase & Co.

$953.33B

 V

Visa Inc.

$700.27B

 MA

Mastercard Incorporated

$507.39B

 BAC

Bank of America Corporation

$438.31B
View all Financial Services stocks →

About Bank of the James Financial Group, Inc.

Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management). The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; 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; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.

Visit website →