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BOTJ

NEUTRAL
$18.12 Live
Bank of the James Financial Group, Inc. · NASDAQ
$12.75 52W Range $18.75
Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders

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

AI-powered fundamental assessment

Confidence
65%
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
Value
75
Future
70
Past
60
Health
50
Dividend
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
BOT
Bank of the James Financial Group, Inc.
Primary
5Y
+68.8%
3Y
+56.9%
1Y
+39.0%
6M
+33.3%
1M
-3.0%
1W
-1.2%
PFX
PhenixFIN Corporation
Peer
5Y
+28.1%
3Y
+22.9%
1Y
-18.8%
6M
-8.8%
1M
-2.4%
1W
+1.0%
NCT
The9 Limited
Peer
5Y
-97.4%
3Y
-54.0%
1Y
-48.3%
6M
-44.3%
1M
-13.1%
1W
-2.7%
GDO
Western Asset Global Corporate Defined Opportunity Fund Inc.
Peer
5Y
+4.8%
3Y
+26.9%
1Y
+12.6%
6M
+1.2%
1M
+4.2%
1W
-1.2%
AMT
AMTD IDEA Group
Peer
5Y
-97.4%
3Y
-80.3%
1Y
-0.1%
6M
-3.4%
1M
-0.5%
1W
-1.0%

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 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
10.35
This Stock
vs
36.01
Sector Avg
-71.2% (Discount)
Return on Equity (ROE)
10.86%
This Stock
vs
-0.73%
Sector Avg
-1581.8% (Below Avg)
Profit Margin
16.61%
This Stock
vs
91.62%
Sector Avg
-81.9% (Weaker)
Revenue Growth
10.1%
This Stock
vs
35.27%
Sector Avg
-71.4% (Slower)

Similar Companies

Peer comparison within the same industry

BOTJ Bank of the...
NEUTRAL
Mkt Cap
$82M
P/E
10.4
ROE
10.9%
Price
$18.12
PFX PhenixFIN Corporation
BEARISH
Mkt Cap
$82M
P/E
-
ROE
-1.9%
Price
$41.08
 Compare with BOTJ
NCTY The9 Limited
BEARISH
Mkt Cap
$81M
P/E
-
ROE
-38.2%
Price
$5.38
 Compare with BOTJ
GDO Western Asset...
BEARISH
Mkt Cap
$83M
P/E
9.1
ROE
-%
Price
$11.08
 Compare with BOTJ
AMTD AMTD IDEA Group
NEUTRAL
Mkt Cap
$81M
P/E
-
ROE
5.1%
Price
$1.01
 Compare with BOTJ

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

JAMERSON PHILLIP C
Director
Buy
2025-11-25
1,114 shares · $18,642
JAMERSON PHILLIP C
Director
Buy
2025-11-18
589 shares · $9,866
BRYANT WILLIAM C III
Director
Buy
2025-11-17
59 shares · $988
ADDISON LEWIS C
Director
Buy
2025-11-17
113 shares · $1,893
BRYANT WILLIAM C III
Director
Buy
2025-08-25
2,525 shares · $38,961
SCRUGGS J TODD
Officer and Treasurer
Buy
2025-08-14
356 shares · $5,091
ADDISON LEWIS C
Director
Buy
2025-08-13
134 shares · $1,876
UMBERGER HARRY P. JR
Officer
Buy
2025-08-12
138 shares · $1,915
SYREK MICHAEL A
Officer
Buy
2025-08-11
250 shares · $3,493
Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning BOTJ from our newsroom.

Newest → oldest
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