BOTJ Bank of the James Financial Group, Inc. - Fundamental Analysis
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BOTJ Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$18.12
52W High
$18.75
52W Low
$12.75
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$82.33M
P/E
10.35
ROE
10.9%
Profit margin
16.6%
Debt/Equity
N/A
Dividend yield
2.21%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
BOTJ has a weak Piotroski F-Score of 4/9, indicating marginal financial health, and lacks an Altman Z-Score, limiting distress risk assessment. The stock appears reasonably valued with a P/E of 10.35 below sector average of 21.77, supported by strong earnings growth of 38.3% and solid profitability margins. However, limited data availability—especially on debt, cash flow, and analyst coverage—creates uncertainty. Technical trend is bearish short-term, but long-term price performance shows strong appreciation, and dividend metrics suggest modest income appeal.
Key Strengths
Earnings growth (YoY) of 38.30% significantly outpaces sector average of 46.30% despite smaller scale
Profit margin of 16.61% exceeds sector average of 13.65%
Operating margin of 28.19% indicates strong cost control and pricing power
Low P/E ratio of 10.35 vs sector average of 21.77 suggests potential undervaluation
Dividend payout ratio of 22.86% leaves room for future increases while maintaining sustainability
Key Risks
Piotroski F-Score of 4/9 indicates borderline financial health with risk of deterioration
Missing Altman Z-Score prevents proper assessment of bankruptcy risk
No available data on debt/equity, cash flow, or enterprise value limits financial health analysis
Technical trend score of 10/100 signals strong near-term bearish momentum
Lack of analyst coverage and price targets reduces external validation of valuation
AI Fair Value Estimate
Based on comprehensive analysis
$51.62
+184.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
64
Strong
75
70
60
50
65
AI Verdict
Moderately positive with data limitations
Key drivers: Strong earnings growth, Attractive valuation multiples, Solid profitability metrics, Incomplete financial data, Weak technical trend
Confidence
68%
Value
75/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 10.35 well below sector average of 21.77
- Price/Book of 1.07 suggests near-book valuation
- Intrinsic Value (Formula) at $51.62 implies significant upside
Watchpoints
- Graham Number at $25.83, yet stock trades below it at $18.12
- No Forward P/E or PEG ratio due to missing growth forecasts
Future
70/100
Ref Growth rates
Positives
- Earnings growth (YoY) at 38.30% is robust
- Revenue growth (YoY) of 10.10% shows top-line expansion
Watchpoints
- No Q/Q growth data available
- No analyst estimates or forward guidance
Past
60/100
Ref Historical trends
Positives
- 1Y return of +39.0% and 5Y return of +68.8% show strong historical performance
- 52-week high recently at $18.75, close to current price
Watchpoints
- 1M change of -3.0% and 1W change of -1.2% show recent pullback
- Only one quarterly result available, limiting track record
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 10.86% is positive and exceeds cost of equity assumptions
- No leverage data but no red flags from existing metrics
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Missing Altman Z-Score, Debt/Equity, Current Ratio, and cash flow data
Dividend
65/100
Ref Yield, Payout
Positives
- Dividend yield of 2.21% is modest but above some peers
- Payout ratio of 22.86% indicates high sustainability
Watchpoints
- Dividend Strength score of 35/100 suggests limited historical consistency or growth
- No 5-year average yield or ex-dividend date available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$18.12
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BOTJ and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BOTJ
Bank of the James Financial Group, Inc.
Primary
|
+68.8% | +56.9% | +39.0% | +33.3% | -3.0% | -1.2% |
|
AMTD
AMTD IDEA Group
Peer
|
-97.4% | -80.3% | -0.1% | -3.4% | -0.5% | -1.0% |
|
AUBN
Auburn National Bancorporation, Inc.
Peer
|
-20.2% | +29.4% | +20.2% | -5.4% | -0.9% | +8.0% |
|
BMHL
Bluemount Holdings Limited
Peer
|
-7.6% | -7.6% | -7.6% | -11.6% | +2.1% | -0.9% |
|
ASRV
AmeriServ Financial, Inc.
Peer
|
+19.3% | +8.7% | +54.1% | +30.0% | +16.2% | -1.3% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
10.35
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.07
P/S Ratio
1.73
EV/Revenue
0.12
EV/EBITDA
N/A
Market Cap
$82.33M
Profitability
Profit margins and return metrics
Profit Margin
16.61%
Operating Margin
28.19%
Gross Margin
N/A
ROE
10.86%
ROA
0.78%
Growth
Revenue and earnings growth rates
Revenue Growth
+10.1%
Earnings Growth
+38.3%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+38.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$18.81
Quarterly Earnings History
EPS performance vs analyst estimates
2025-08-01
$N/A
Financial Services Sector Comparison
Comparing BOTJ against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
10.35
This Stock
vs
30.41
Sector Avg
-66.0%
(Discount)
Return on Equity (ROE)
10.86%
This Stock
vs
-7.57%
Sector Avg
-243.4%
(Below Avg)
Profit Margin
16.61%
This Stock
vs
82.83%
Sector Avg
-80.0%
(Weaker)
Revenue Growth
10.1%
This Stock
vs
28.13%
Sector Avg
-64.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BOTJ
Bank of the James...
|
NEUTRAL | $82.33M | 10.35 | 10.9% | 16.6% | $18.12 | |
|
AMTD
AMTD IDEA Group
|
NEUTRAL | $81.04M | - | 5.1% | 45.0% | $1.01 | |
|
AUBN
Auburn National...
|
NEUTRAL | $91.69M | 12.62 | 8.2% | 22.1% | $26.25 | |
|
BMHL
Bluemount Holdings Limited
|
BEARISH | $94.3M | 73.9 | 30.3% | 18.9% | $3.69 | |
|
ASRV
AmeriServ Financial, Inc.
|
NEUTRAL | $64.43M | 11.18 | 5.0% | 10.2% | $3.8 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-25 | JAMERSON PHILLIP C | Director | Purchase | 1,114 | $18,642 |
| 2025-11-18 | JAMERSON PHILLIP C | Director | Purchase | 589 | $9,866 |
| 2025-11-17 | BRYANT WILLIAM C III | Director | Purchase | 59 | $988 |
| 2025-11-17 | ADDISON LEWIS C | Director | Purchase | 113 | $1,893 |
| 2025-08-25 | BRYANT WILLIAM C III | Director | Purchase | 2,525 | $38,961 |
| 2025-08-14 | SCRUGGS J TODD | Officer and Treasurer | Purchase | 356 | $5,091 |
| 2025-08-13 | ADDISON LEWIS C | Director | Purchase | 134 | $1,876 |
| 2025-08-12 | UMBERGER HARRY P. JR | Officer | Purchase | 138 | $1,915 |
| 2025-08-11 | SYREK MICHAEL A | Officer | Purchase | 250 | $3,493 |
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning BOTJ from our newsroom.
Newest → oldest
No matching news yet.