NASDAQ · Banks - Regional

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

$26.94 -0.81% NASDAQ: BOTJ Financial Services

Valuation

MetricValue
Price$26.94
Market Cap$122.40M
P/E Ratio10.79
P/B Ratio1.49
P/S Ratio2.04
EPS (TTM)$0.00
52-Week High$29.79
52-Week Low$14.44
Dividend Yield1.47%

Financials & Margins

MetricValue
ROE14.30%
ROA1.10%
ROCE9.80%
Gross Margin19.05%
Operating Margin17.46%
Net Margin18.94%
Debt/Equity0.11
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$39.0M$44.0M$51.0M$59.0M$63.0M
Operating Profit$9.0M$11.0M$10.0M$10.0M$11.0M
Net Profit$8.0M$9.0M$9.0M$8.0M$9.0M
EPS$1.60$1.91$1.91$1.75$1.99
Op Margin24.1%25.1%20.0%16.8%17.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$988.0M$929.0M$969.0M$979.0M$1.0B
Total Liabilities$918.0M$878.0M$909.0M$914.0M$959.0M
Cash$29.0M$30.0M$26.0M$23.0M$29.0M
Borrowings$21.0M$20.0M$20.0M$19.0M$9.0M

Latest News

BOTJ vs. CFFI: Which Regional Bank Stock Looks More Attractive Now? Zacks · Jul 8, 2026 Exploring Undervalued Small Caps With Insider Activity In June 2026 Simply Wall St. · Jun 9, 2026 Exploring 3 Undervalued Small Caps With Insider Buying Across Regions Simply Wall St. · Jun 8, 2026 June 2026's Top Undervalued Small Caps With Insider Actions Simply Wall St. · Jun 4, 2026 Undiscovered Gems In The US Market 3 Promising Small Caps With Strong Potential Simply Wall St. · Jun 1, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$16.0M$9.0M$9.0M$9.0M$12.0M
Investing Cash Flow$-68.0M$-89.0M$-25.0M$-14.0M$-44.0M
Financing Cash Flow$122.0M$-40.0M$29.0M$4.0M$55.0M
Net Cash Flow$82.0M$-121.0M$13.0M$-2.0M$11.0M
Free Cash Flow$13.0M$8.0M$8.0M$6.0M$10.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.18
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y87.82%
Return 3Y204.47%
Return 5Y77.39%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $336.64 -1.11% 38.93 $4.94T 0.32%
MSFTMicrosoft Corporation $535.07 +2.38% 28.68 $3.97T 0.76%
GOOGLAlphabet Inc. $351.66 +0.97% 16.94 $4.26T 0.26%
AMZNAmazon.com, Inc. $262.43 +3.29% 19.82 $2.82T 0.00%
METAMeta Platforms, Inc. $718.67 -0.31% 27.93 $1.83T 0.28%

About Bank of the James Financial Group, Inc.

Bank of the James Financial Group, Inc. is led by CEO Robert R. Chapman, employs 162 people, headquartered in US, publicly traded since 2000.

Bank of the James Financial Group, Inc. (BOTJ) stock trades at $26.94 with a market capitalization of $122.40M. The stock is valued at a price-to-earnings (P/E) ratio of 10.79, price-to-book of 1.49, price-to-sales of 2.04. Over the past 52 weeks the stock has ranged between $14.44 and $29.79, and currently trades 9.6% below its 52-week high. It pays a dividend yielding 1.47%.

On profitability, Bank of the James Financial Group, Inc. generates a return on equity (ROE) of 14.30%, above the typical market average, return on capital employed of 9.80%, an operating margin of 17.46%, a net profit margin of 18.94%.

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