Skip to content

Bank of the James Financial Gro (BOTJ) Company Overview

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

Create a free account to see overall and pillar scores for Bank of the James Financial Gro.

Top Beats

Quick Facts

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
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

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

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
64
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

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
Upgrade to unlock the full 3-year trend analysis and deltas.

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
  • 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

No significant risks identified for this axis.

Profitability

54th percentile vs peers
54
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

62th percentile vs peers
62
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading scenario defaults...
Loading valuation model...
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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$17.54
- - -
-16.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info