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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 $23.18, about 24.3% overvalued vs fair value, +71.4% 1Y return, ranked 686/1037 in sector.
Metrics Rev Growth 43.5% ROE 12.5% Gross Margin 77.9%
$23.18
-0.09%
As of April 28, 2026
Previous close • Vol 90d: 28.0%
52-Week Range
Market Cap
$105.40M
Enterprise Value
$29.72M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
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: $23.18 -24% 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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing BOTJ's balance between Growth (30.9%), Profitability (43.6%), and Safety (25.5%). Growth 31% Safety 26% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

48th percentile vs peers
49
Key Signals
Asset Growth YoY 6.1% 64p Equity Growth YoY 8.0% 59p NII Growth YoY -1.7% 33p EPS Growth YoY -8.3% 37p
Strengths
  • Efficiency Ratio in top 20% of peers (60.1%, 87th percentile)
  • Financial Leverage in top 20% of peers (15.60, 96th percentile)
Risks

No significant risks identified for this axis.

Profitability

69th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
40
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:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$17.54
- - -
-24.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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