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.

Last Updated: October 21, 2026

BOTJ

$27.81

+$0.34 (+1.24%)

Oct 21, 2026 · Market close

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Price History

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

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BOTJ Key Statistics

As of Oct 21, 2026

Trading

Open: $27.56
Previous Close: $27.47
Day's Range: 27.44–27.84
52-Week Range: 14.44–29.79
Volume: 54.28K
Beta: 0.19

Valuation

Market Cap: $121.40M
P/E Ratio: 10.56
P/S ratio: 2.37
EPS (ttm): 2.53

Financials (FY)

Revenue (FY): $47.76M+9.64%
Net Income (FY): $9.02M+13.57%
Profit margin: 22.44%
Shares Outstanding: 4.54M
1-Year Return: +77.76%

Dividend and dates

Dividend: $0.40+1.49%
Ex-Dividend Date: August 21, 2026
Avg Volume: 38.67K

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

Key facts

As of October 21, 2026, BOTJ closed at $27.81, +77.76% over 1 year.

Bank of the James Financial Group, Inc. (BOTJ) has a market capitalization of $121.40M.

In fiscal 2025, BOTJ reported revenue of $47.76M.

BOTJ Stock Return by Calendar Year

Bank of the James Financial Group, Inc. (BOTJ) 10-year return: what $10,000 became

1 year: $10,000 $17,776; +77.76%
5 years: $10,000 $21,030; +110.30%
10 years: $10,000 $30,672; +206.72%

If you had invested $10,000 in Bank of the James Financial Group, Inc. (BOTJ) 10 years ago, at the close on October 21, 2016, it would have been worth $30,672 at the close on October 21, 2026: +206.72% in total, +11.86% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

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

−21.22%+51.06%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+51.06%
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 October 21, 2026.

BOTJ Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$47.76M	$9.02M	18.9%
2024	$43.56M	$7.94M	18.2%
2023	$41.80M	$8.70M	20.8%
2022	$42.02M	$8.96M	21.3%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$47.76M	—	—	$9.02M	18.9%
2024	$43.56M	—	—	$7.94M	18.2%
2023	$41.80M	—	—	$8.70M	20.8%
2022	$42.02M	—	—	$8.96M	21.3%

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

BOTJ Dividend History

’16’17’18’19’20’21’22’23’24’25’26*

$0.40+0.0% vs 2024

Dividends per share, 2025 · 4 payments

Year	Dividends per share	Payments	Change
2026*	$0.30	3	—
2025	$0.40	4	+0.0%
2024	$0.40	4	+25.0%
2023	$0.32	4	+10.3%

Year	Dividends per share	Payments	Change
2026 (partial year)	$0.30	3	—
2025	$0.40	4	+0.0%
2024	$0.40	4	+25.0%
2023	$0.32	4	+10.3%
2022	$0.29	4	+8.5%
2021	$0.27	4	+5.0%
2020	$0.25	4	+0.0%
2019	$0.25	5	+16.7%
2018	$0.22	4	+0.0%
2017	$0.22	4	+300.0%
2016	$0.05	1	—

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 326 stocks

Metric	BOTJ	Banks - Regional median	vs median
P/E	10.56	12.03	12% below
P/S ratio	2.37	3.58	34% below
Profit margin	22.44%	29.44%	7.0 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 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 $121.40M. 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 $14.44 to $29.79. BOTJ last closed at $27.81 on October 21, 2026. That is +$0.34 (+1.24%) against the previous close. The latest close sits 92.59% 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 7 percentage points below the Banks - Regional median of 29.44%. 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 10.56 times earnings. That is 12.22% below the Banks - Regional median of 12.03. The price-to-sales ratio is 2.37. On price-to-sales that is 33.74% below the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.19. Daily returns over the trailing 10 years annualize to a volatility of 32.65%. The trailing one-year total return is +77.76%. Across 10 years the annualized return works out at +11.86%.

Growth & Income

Shareholders receive a dividend, yielding 1.49% on the latest price. That is 1.2 percentage points below the Banks - Regional median yield of 2.68%. 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 total return is +51.06% 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	$121.40M	10.6
Mizuho Financial Group, Inc.	MFG	$120.84B	13.7
HDFC Bank Limited	HDB	$116.51B	14.6
Itaú Unibanco Holding S.A.	ITUB	$106.91B	12.4

The Banks - Regional industry average P/E ratio is 12.0x. Bank of the James Financial Group, Inc. trades at a P/E of 10.6.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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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.

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