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Company Analysis

Bank of the James Financial Gro BOTJ

A comprehensive view of key metrics, scores, and financial health for Bank of the James Financial Gro

Overview of Bank of the James Financial Group, Inc.

BOTJ NCM
Financial Services Banks - Regional Micro Cap
Bank of the James Financial Group, Inc. (BOTJ), is a Micro Cap company, in the Banks - Regional industry, last closed at $20.94, about 16.2% overvalued vs fair value, +59.6% 1Y return, ranked 691/1004 in sector.
$20.94
5.02%
As of March 13, 2026
Previous close • Vol 90d: 29.3%
52-Week Range
Market Cap
$95.14M
Enterprise Value
$19.46M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bankofthejames.ban...
HQ Lynchburg, VA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $20.94 -16% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$44.5M
13.4%%
Interest Expense
$13.8M
Net Interest Income
$29.1M
-1.7%%
Total Revenue
$62.5M
43.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.2%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.8M
22.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Bank of the James Financial Gro's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
67
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
64
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BOTJ's balance between Growth (27.5%), Profitability (33.9%), and Safety (38.6%). Growth 28% Safety 39% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

44th percentile vs peers
44
Key Signals
Asset Growth YoY 6.1% 64p Rev Growth YoY 43.5% 36p Revenue CAGR 3Y 14.1% 33p
Strengths
  • Roe in top 20% of peers (12.7%, 82th percentile)
  • Roe in top 20% of peers (12.7%, 82th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

54th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
62
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bank of the James Financial Gro.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$17.54
- - -
-16.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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