Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
27.52
+0.43 (1.59%)
At close: Aug 7, 2026, 4:00 PM EDT
27.25
-0.27 (-0.98%)
After-hours: Aug 7, 2026, 7:34 PM EDT

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $123.81 million. The enterprise value is $96.93 million.

Market Cap123.81M
Enterprise Value 96.93M

Important Dates

The last earnings date was Thursday, July 30, 2026.

Earnings Date Jul 30, 2026
Ex-Dividend Date Aug 21, 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 (%) 19.88%
Float 3.43M

Valuation Ratios

The trailing PE ratio is 10.79.

PE Ratio 10.79
Forward PE n/a
PS Ratio 2.42
Forward PS n/a
PB Ratio 1.49
P/TBV Ratio 1.65
P/FCF Ratio 8.42
P/OCF Ratio 7.92
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 8.44
EV / Sales 1.89
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 6.59

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 14.84%.

Return on Equity (ROE) 14.84%
Return on Assets (ROA) 1.12%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 4.90%
Revenue Per Employee $292,566
Profits Per Employee $65,651
Employee Count175
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, BOTJ has paid $2.77 million in taxes.

Income Tax 2.77M
Effective Tax Rate 19.40%

Stock Price Statistics

The stock price has increased by +98.99% 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 +98.99%
50-Day Moving Average 25.40
200-Day Moving Average 21.15
Relative Strength Index (RSI) 64.87
Average Volume (20 Days) 33,342

Short Selling Information

The latest short interest is 11,016, so 0.24% of the outstanding shares have been sold short.

Short Interest 11,016
Short Previous Month 5,988
Short % of Shares Out 0.24%
Short % of Float 0.32%
Short Ratio (days to cover) 0.43

Income Statement

In the last 12 months, BOTJ had revenue of $51.20 million and earned $11.49 million in profits. Earnings per share was $2.53.

Revenue51.20M
Gross Profit 51.20M
Operating Income 15.33M
Pretax Income 14.26M
Net Income 11.49M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $2.53
Full Income Statement

Balance Sheet

The company has $35.55 million in cash and $8.67 million in debt, with a net cash position of $26.87 million or $5.92 per share.

Cash & Cash Equivalents 35.55M
Total Debt 8.67M
Net Cash 26.87M
Net Cash Per Share $5.92
Equity (Book Value) 83.15M
Book Value Per Share 18.30
Working Capital -891.72M
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 29.93%
Pretax Margin 27.84%
Profit Margin 22.44%
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 1.45%.

Dividend Per Share $0.40
Dividend Yield 1.45%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 15.84%
Buyback Yield n/a
Shareholder Yield 1.45%
Earnings Yield 9.28%
FCF Yield 11.88%
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