Bank of the James Financial Group, Inc.
BOTJ
NASDAQ·Financial Services·Banks - Regional·Mkt cap $122.7M
$27.01
▲ +0.56%
P/E
22.32
Mkt Cap
$122.7M
52-Wk Range
$14.29–$29.79
52-Week Range
$14.29 - $29.79
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 74.0% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Strong local market presence and community relationships in Virginia
- Personalized service model focused on small- to medium-sized businesses
- Diversified revenue streams across lending, deposits, and fee-based services
- Established brand reputation since 1998 with deep regional roots
Bear Case
1 risk
- Low volatility (beta 0.2).
Growth
No forward estimates available
Expansion of commercial lending to small and medium-sized enterprises
Value
Valuation data unavailable
Momentum
Strong
+17.8% over 3m
Quality
Excellent
Strong fundamentals
Dividend
Modest
1.48% yield
Smart-money signal
Who's buying BOTJ right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
JUL 30, 2026
Most recent quarter reported revenue of $12.3M (-20% YoY). Reported EPS of -$0.61. Gross margin -71.1%.
Reported EPS · last 4Q
0 of 1 beats
Q3 26
—
Revenue trend · last 8Q
—
—
—
+9%
+10%
+14%
-100%
-20%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$11.1M
$11.3M
$10.8M
$12.1M
$12.3M
$12.9M
$0
$12.3M
Margins · last 8Q
Gross
-71.1%
Operating
4.0%
Profit
-22.6%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How BOTJ stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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