Symbols / BOTJ Stock $23.20 -0.39% Bank of the James Financial Group, Inc.

Financial Services • Banks - Regional • United States • NCM
BOTJ (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Robert R. Chapman III
Exch · Country NCM · United States
Market Cap 105.41M
Enterprise Value 32.98M
Income 9.02M
Sales 48.69M
FCF (ttm) —
Book/sh 17.62
Cash/sh 18.61
Employees 162
Insider 10d —
IPO Aug 10, 2000
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 20.10%
P/E 11.66
Forward P/E —
PEG —
P/S 2.16
P/B 1.32
P/C —
EV/EBITDA —
EV/Sales 0.68
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.99
EPS next Y —
EPS Growth 68.40%
Revenue Growth 8.90%
EPS Gr Q/Q 68.40%
Rev Gr Q/Q —
Earnings (next) 2025-08-01
Earnings (prior) 2025-08-01
ROA 0.89%
ROE 12.45%
ROIC —
Gross Margin 0.00%
Oper. Margin 29.81%
Profit Margin 18.53%
Shs Outstand 4.54M
Shs Float 3.50M
Insider Own 15.78%
Instit Own 28.54%
Short Float 0.15%
Short Ratio 0.65
Short Interest 6.05K
52W High 23.50
vs 52W High -1.28%
52W Low 13.00
vs 52W Low 78.46%
Beta 0.12
Impl. Vol. —
Rel Volume 0.05
Avg Volume 7.29K
Volume 398.00
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $23.29
Price $23.20
Change -0.39%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$23.20
Latest analyst target
3. DCF / Fair value
$29.85
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$23.20
Low
—
High
—
Mean
—
News
RSS: Latest BOTJ news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-20 CHAPMAN ROBERT R III President — 1,200 $20.89 $25,068
2026-02-19 BRYANT WILLIAM C III Director — 996 $20.00 $20,412
2026-02-10 ADDISON LEWIS C Director — 93 $20.50 $1,906
2025-12-08 SORENSON ERIC JOHN JR Officer — 782 $12.99 $11,584
2025-11-25 JAMERSON PHILLIP C Director — 1,114 $16.65 $18,642
2025-11-20 CHAPMAN ROBERT R III President — 33 $18.04 $595
2025-11-18 JAMERSON PHILLIP C Director — 589 $16.75 $9,866
2025-11-17 BRYANT WILLIAM C III Director — 59 $16.75 $988
2025-11-17 ADDISON LEWIS C Director — 113 $16.75 $1,893
2025-08-25 BRYANT WILLIAM C III Director — 2,525 $15.43 $38,961
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
47.76
+9.64%
43.56
+4.20%
41.80
-0.53%
42.02
Operating Revenue
47.76
+9.64%
43.56
+4.20%
41.80
-0.53%
42.02
Selling General And Administration
22.34
+8.98%
20.50
+4.35%
19.65
+2.86%
19.10
Selling And Marketing Expense
0.87
+12.89%
0.77
-16.43%
0.92
-0.11%
0.92
General And Administrative Expense
21.48
+8.83%
19.73
+5.37%
18.73
+3.01%
18.18
Salaries And Wages
20.96
+8.63%
19.29
+5.37%
18.31
+3.56%
17.68
Other Gand A
—
0.54
+2.26%
0.53
+1.73%
0.52
Reconciled Depreciation
1.89
-2.53%
1.94
-1.47%
1.97
-24.61%
2.61
Net Income
9.02
+13.57%
7.94
-8.73%
8.70
-2.85%
8.96
Pretax Income
11.14
+12.31%
9.92
-3.46%
10.28
-7.48%
11.11
Net Interest Income
32.71
+12.24%
29.14
-1.74%
29.66
+0.07%
29.64
Interest Expense
13.85
-10.12%
15.41
+60.12%
9.62
+347.53%
2.15
Interest Income
46.56
+4.51%
44.55
+13.41%
39.28
+23.57%
31.79
Gain On Sale Of Security
0.03
-56.45%
0.06
0.00
+100.00%
-0.00
Tax Provision
2.12
+7.28%
1.98
+25.65%
1.57
-26.78%
2.15
Tax Rate For Calcs
0.00
-4.52%
0.00
+29.90%
0.00
-20.87%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
9.02
+13.57%
7.94
-8.73%
8.70
-2.85%
8.96
Net Income From Continuing Operation Net Minority Interest
9.02
+13.57%
7.94
-8.73%
8.70
-2.85%
8.96
Net Income From Continuing And Discontinued Operation
9.02
+13.57%
7.94
-8.73%
8.70
-2.85%
8.96
Net Income Continuous Operations
9.02
+13.57%
7.94
-8.73%
8.70
-2.85%
8.96
Normalized Income
9.02
+13.57%
7.94
-8.73%
8.70
-2.85%
8.96
Net Income Common Stockholders
9.02
+13.57%
7.94
-8.73%
8.70
-2.85%
8.96
Diluted EPS
—
1.75
-8.38%
1.91
+0.00%
1.91
Basic EPS
—
1.75
-8.38%
1.91
+0.00%
1.91
Basic Average Shares
—
4.54
-0.42%
4.56
-2.89%
4.70
Diluted Average Shares
—
4.54
-0.42%
4.56
-2.89%
4.70
Diluted NI Availto Com Stockholders
9.02
+13.57%
7.94
-8.73%
8.70
-2.85%
8.96
Amortization
0.56
+0.18%
0.56
+0.00%
0.56
+0.00%
0.56
Amortization Of Intangibles Income Statement
0.56
+0.18%
0.56
+0.00%
0.56
+0.00%
0.56
Depreciation Amortization Depletion Income Statement
0.56
+0.18%
0.56
+0.00%
0.56
+0.00%
0.56
Depreciation And Amortization In Income Statement
0.56
+0.18%
0.56
+0.00%
0.56
+0.00%
0.56
Insurance And Claims
0.52
+17.46%
0.44
+5.25%
0.42
-16.20%
0.50
Occupancy And Equipment
4.90
+9.81%
4.46
+5.38%
4.24
-3.02%
4.37
Other Non Interest Expense
4.87
-7.96%
5.29
+11.53%
4.75
-8.68%
5.20
Professional Expense And Contract Services Expense
3.97
+14.29%
3.47
+38.12%
2.51
-2.94%
2.59
Line Item Trend 2023-12-31
Total Assets
969.37
Cash And Cash Equivalents
25.61
Cash Financial
25.61
Other Short Term Investments
216.51
Receivables
2.83
Accounts Receivable
2.83
Net PPE
18.14
Gross PPE
33.64
Accumulated Depreciation
-15.50
Properties
—
Land And Improvements
3.88
Buildings And Improvements
14.06
Machinery Furniture Equipment
11.46
Other Properties
1.14
Leases
3.09
Goodwill And Other Intangible Assets
9.34
Goodwill
2.05
Other Intangible Assets
7.29
Investments And Advances
220.13
Total Liabilities Net Minority Interest
909.33
Payables And Accrued Expenses
0.48
Payables
0.48
Accounts Payable
0.48
Long Term Debt And Capital Lease Obligation
19.93
Long Term Debt
19.93
Stockholders Equity
60.04
Common Stock Equity
60.04
Capital Stock
9.72
Common Stock
9.72
Preferred Stock
0.00
Share Issued
4.54
Ordinary Shares Number
4.54
Treasury Shares Number
0.00
Additional Paid In Capital
35.25
Retained Earnings
36.68
Gains Losses Not Affecting Retained Earnings
-21.61
Other Equity Adjustments
-21.61
Total Equity Gross Minority Interest
60.04
Total Capitalization
79.97
Invested Capital
79.97
Total Debt
19.93
Net Tangible Assets
50.70
Tangible Book Value
50.70
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
76.38
Held To Maturity Securities
3.62
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
11.66
+37.03%
8.51
-10.36%
9.49
+1.93%
9.31
Cash Flow From Continuing Operating Activities
11.66
+37.03%
8.51
-10.36%
9.49
+1.93%
9.31
Net Income From Continuing Operations
9.02
+13.57%
7.94
-8.73%
8.70
-2.85%
8.96
Depreciation Amortization Depletion
1.89
-2.53%
1.94
-1.47%
1.97
-24.61%
2.61
Depreciation
1.33
-3.63%
1.38
-2.06%
1.41
-31.33%
2.05
Amortization Cash Flow
0.56
+0.18%
0.56
+0.00%
0.56
+0.00%
0.56
Depreciation And Amortization
1.89
-2.53%
1.94
-1.47%
1.97
-24.61%
2.61
Amortization Of Intangibles
0.56
+0.18%
0.56
+0.00%
0.56
+0.00%
0.56
Other Non Cash Items
4.23
+197.68%
1.42
-68.89%
4.57
+13.66%
4.02
Stock Based Compensation
—
—
—
0.00
Asset Impairment Charge
—
0.00
-100.00%
0.02
-88.21%
0.20
Deferred Tax
-0.16
-657.14%
0.03
+107.87%
-0.36
-3460.00%
-0.01
Deferred Income Tax
-0.16
-657.14%
0.03
+107.87%
-0.36
-3460.00%
-0.01
Operating Gains Losses
-4.91
-7.73%
-4.56
-15.69%
-3.94
+25.29%
-5.27
Gain Loss On Investment Securities
-0.03
+56.45%
-0.06
0.00
-100.00%
0.00
Gain Loss On Sale Of PPE
-0.03
0.00
0.00
+100.00%
-0.02
Change In Working Capital
1.41
-22.61%
1.82
+166.42%
-2.74
-243.41%
-0.80
Change In Receivables
-0.32
-36.96%
-0.23
-132.32%
-0.10
+85.27%
-0.67
Changes In Account Receivables
-0.32
-36.96%
-0.23
-132.32%
-0.10
+85.27%
-0.67
Change In Payables And Accrued Expense
0.45
+83.88%
0.24
-38.11%
0.39
+809.30%
0.04
Change In Payable
0.45
+83.88%
0.24
-38.11%
0.39
+809.30%
0.04
Change In Account Payable
0.45
+83.88%
0.24
-38.11%
0.39
+809.30%
0.04
Change In Other Working Capital
—
—
—
-0.45
Change In Other Current Assets
0.98
+1858.00%
0.05
+101.42%
-3.51
-5564.52%
-0.06
Change In Other Current Liabilities
0.30
-83.03%
1.76
+263.56%
0.48
+555.66%
-0.11
Investing Cash Flow
-42.40
-279.46%
-11.17
+52.12%
-23.34
+73.52%
-88.13
Cash Flow From Continuing Investing Activities
-42.40
-279.46%
-11.17
+52.12%
-23.34
+73.52%
-88.13
Net PPE Purchase And Sale
-1.12
+56.12%
-2.55
-62.01%
-1.57
-35.57%
-1.16
Purchase Of PPE
-1.17
+54.31%
-2.55
-62.01%
-1.57
-32.16%
-1.19
Sale Of PPE
0.05
0.00
0.00
-100.00%
0.03
Capital Expenditure
-1.17
+54.31%
-2.55
-62.01%
-1.57
-32.16%
-1.19
Net Investment Purchase And Sale
-16.63
-163.11%
26.36
+215.97%
-22.73
+60.88%
-58.09
Purchase Of Investment
-44.61
-113.95%
-20.85
+40.17%
-34.85
+55.02%
-77.49
Sale Of Investment
27.98
-40.73%
47.21
+289.27%
12.13
-37.49%
19.40
Net Business Purchase And Sale
—
—
0.00
+100.00%
-0.82
Purchase Of Business
—
—
0.00
+100.00%
-0.82
Net Other Investing Changes
-0.01
+99.20%
-0.88
+37.77%
-1.41
-2144.44%
-0.06
Financing Cash Flow
41.90
+3591.89%
1.14
-95.78%
26.92
+163.23%
-42.57
Cash Flow From Continuing Financing Activities
41.90
+3591.89%
1.14
-95.78%
26.92
+163.23%
-42.57
Net Issuance Payments Of Debt
-11.01
-1009.38%
-0.99
-5.08%
-0.94
-6.19%
-0.89
Issuance Of Debt
—
—
—
0.00
Repayment Of Debt
-11.01
-1009.38%
-0.99
-5.08%
-0.94
-6.19%
-0.89
Long Term Debt Issuance
—
—
—
0.00
Long Term Debt Payments
-11.01
-1009.38%
-0.99
-5.08%
-0.94
-6.19%
-0.89
Net Long Term Debt Issuance
-11.01
-1009.38%
-0.99
-5.08%
-0.94
-6.19%
-0.89
Net Common Stock Issuance
—
0.00
+100.00%
-1.00
+28.89%
-1.40
Common Stock Payments
—
0.00
+100.00%
-1.00
+28.89%
-1.40
Common Stock Dividend Paid
-1.82
+0.06%
-1.82
-24.44%
-1.46
-7.03%
-1.36
Cash Dividends Paid
-1.82
+0.06%
-1.82
-24.44%
-1.46
-7.03%
-1.36
Repurchase Of Capital Stock
—
0.00
+100.00%
-1.00
+28.89%
-1.40
Net Other Financing Charges
—
—
—
—
Changes In Cash
11.17
+830.28%
-1.53
-111.69%
13.08
+110.77%
-121.39
Beginning Cash Position
73.31
-2.04%
74.84
+21.17%
61.76
-66.28%
183.15
End Cash Position
84.47
+15.23%
73.31
-2.04%
74.84
+21.17%
61.76
Free Cash Flow
10.49
+76.12%
5.96
-24.74%
7.92
-2.50%
8.12
Interest Paid Supplemental Data
13.40
-11.62%
15.16
+64.28%
9.23
+338.11%
2.11
Income Tax Paid Supplemental Data
2.34
+26.49%
1.85
-0.80%
1.86
-14.45%
2.18
Common Stock Issuance
—
—
—
—
Issuance Of Capital Stock
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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