Bank of the James Financial Group, Inc. (BOTJ)

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $92.00 million. The enterprise value is $16.48 million.

Market Cap	92.00M
Enterprise Value	16.48M

Important Dates

The last earnings date was Friday, January 30, 2026.

Earnings Date	Jan 30, 2026
Ex-Dividend Date	Feb 17, 2026

Share Statistics

BOTJ has 4.54 million shares outstanding. The number of shares has increased by 0.00% in one year.

Current Share Class	4.54M
Shares Outstanding	4.54M
Shares Change (YoY)	+0.00%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	14.07%
Owned by Institutions (%)	21.81%
Float	3.53M

Valuation Ratios

The trailing PE ratio is 11.50.

PE Ratio	11.50
Forward PE	n/a
PS Ratio	1.91
Forward PS	n/a
PB Ratio	1.18
P/TBV Ratio	1.36
P/FCF Ratio	8.70
P/OCF Ratio	8.04
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	2.08
EV / Sales	0.35
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	1.54

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.83
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.86%.

Return on Equity (ROE)	10.86%
Return on Assets (ROA)	0.78%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.51%
Revenue Per Employee	$272,394
Profits Per Employee	$45,234
Employee Count	175
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BOTJ has paid $1.81 million in taxes.

Income Tax	1.81M
Effective Tax Rate	18.60%

Stock Price Statistics

The stock price has increased by +49.28% in the last 52 weeks. The beta is 0.13, so BOTJ's price volatility has been lower than the market average.

Beta (5Y)	0.13
52-Week Price Change	+49.28%
50-Day Moving Average	18.31
200-Day Moving Average	15.67
Relative Strength Index (RSI)	81.34
Average Volume (20 Days)	2,436

Short Selling Information

The latest short interest is 4,333, so 0.10% of the outstanding shares have been sold short.

Short Interest	4,333
Short Previous Month	3,845
Short % of Shares Out	0.10%
Short % of Float	0.12%
Short Ratio (days to cover)	1.89

Income Statement

In the last 12 months, BOTJ had revenue of $47.67 million and earned $7.92 million in profits. Earnings per share was $1.74.

Revenue	47.67M
Gross Profit	47.67M
Operating Income	10.79M
Pretax Income	9.73M
Net Income	7.92M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.74

Balance Sheet

The company has $85.45 million in cash and $8.84 million in debt, with a net cash position of $76.62 million or $16.86 per share.

Cash & Cash Equivalents	85.45M
Total Debt	8.84M
Net Cash	76.62M
Net Cash Per Share	$16.86
Equity (Book Value)	76.97M
Book Value Per Share	16.94
Working Capital	-832.64M

Cash Flow

In the last 12 months, operating cash flow was $11.57 million and capital expenditures -$873,000, giving a free cash flow of $10.70 million.

Operating Cash Flow	11.57M
Capital Expenditures	-873,000
Free Cash Flow	10.70M
FCF Per Share	$2.35

Margins

Gross Margin	n/a
Operating Margin	22.64%
Pretax Margin	20.40%
Profit Margin	16.61%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	22.44%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 1.96%.

Dividend Per Share	$0.40
Dividend Yield	1.96%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	22.96%
Buyback Yield	-0.00%
Shareholder Yield	1.95%
Earnings Yield	8.50%
FCF Yield	11.49%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	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