Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
25.05
+0.78 (3.21%)
At close: Jun 9, 2026, 4:00 PM EDT
24.99
-0.06 (-0.24%)
After-hours: Jun 9, 2026, 4:10 PM EDT

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $113.81 million. The enterprise value is $35.46 million.

Market Cap113.81M
Enterprise Value 35.46M

Important Dates

The last earnings date was Thursday, April 30, 2026, after market close.

Earnings Date Apr 30, 2026
Ex-Dividend Date May 22, 2026

Share Statistics

BOTJ has 4.54 million shares outstanding.

Current Share Class 4.54M
Shares Outstanding 4.54M
Shares Change (YoY) n/a
Shares Change (QoQ) n/a
Owned by Insiders (%) 14.19%
Owned by Institutions (%) 21.36%
Float 3.43M

Valuation Ratios

The trailing PE ratio is 10.07.

PE Ratio 10.07
Forward PE n/a
PS Ratio 2.26
Forward PS n/a
PB Ratio 1.36
P/TBV Ratio 1.57
P/FCF Ratio 7.80
P/OCF Ratio 7.34
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 3.24
EV / Sales 0.70
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 2.41

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 0.59
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 14.64%.

Return on Equity (ROE) 14.64%
Return on Assets (ROA) 1.06%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 4.88%
Revenue Per Employee $289,560
Profits Per Employee $62,594
Employee Count175
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, BOTJ has paid $2.63 million in taxes.

Income Tax 2.63M
Effective Tax Rate 19.37%

Stock Price Statistics

The stock price has increased by +75.79% in the last 52 weeks. The beta is 0.18, so BOTJ's price volatility has been lower than the market average.

Beta (5Y) 0.18
52-Week Price Change +75.79%
50-Day Moving Average 22.74
200-Day Moving Average 19.00
Relative Strength Index (RSI) 78.11
Average Volume (20 Days) 14,981

Short Selling Information

The latest short interest is 7,540, so 0.17% of the outstanding shares have been sold short.

Short Interest 7,540
Short Previous Month 7,494
Short % of Shares Out 0.17%
Short % of Float 0.22%
Short Ratio (days to cover) 0.61

Income Statement

In the last 12 months, BOTJ had revenue of $50.67 million and earned $10.95 million in profits. Earnings per share was $2.41.

Revenue50.67M
Gross Profit 50.67M
Operating Income 14.66M
Pretax Income 13.59M
Net Income 10.95M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $2.41
Full Income Statement

Balance Sheet

The company has $87.99 million in cash and $8.73 million in debt, with a net cash position of $79.26 million or $17.45 per share.

Cash & Cash Equivalents 87.99M
Total Debt 8.73M
Net Cash 79.26M
Net Cash Per Share $17.45
Equity (Book Value) 81.28M
Book Value Per Share 17.89
Working Capital -863.61M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $15.64 million and capital expenditures -$925,000, giving a free cash flow of $14.71 million.

Operating Cash Flow 15.64M
Capital Expenditures -925,000
Depreciation & Amortization n/a
Net Borrowing -10.92M
Free Cash Flow 14.71M
FCF Per Share $3.24
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 28.93%
Pretax Margin 26.81%
Profit Margin 21.62%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 29.03%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 1.60%.

Dividend Per Share $0.40
Dividend Yield 1.60%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 16.59%
Buyback Yield n/a
Shareholder Yield 1.57%
Earnings Yield 9.55%
FCF Yield 12.82%
Dividend Details

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 24, 2021. It was a forward split with a ratio of 1.1:1.

Last Split Date Jun 24, 2021
Split Type Forward
Split Ratio 1.1:1

Scores

Altman Z-Score n/a
Piotroski F-Score 4