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

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $104.59 million. The enterprise value is $25.33 million.

Market Cap	104.59M
Enterprise Value	25.33M

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 (%)	21.94%
Float	3.49M

Valuation Ratios

The trailing PE ratio is 9.57.

PE Ratio	9.57
Forward PE	n/a
PS Ratio	2.06
Forward PS	n/a
PB Ratio	1.29
P/TBV Ratio	1.43
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	2.31
EV / Sales	0.50
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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)	4.80%
Revenue Per Employee	$289,560
Profits Per Employee	$62,594
Employee Count	175
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 +61.54% in the last 52 weeks. The beta is 0.17, so BOTJ's price volatility has been lower than the market average.

Beta (5Y)	0.17
52-Week Price Change	+61.54%
50-Day Moving Average	21.82
200-Day Moving Average	18.18
Relative Strength Index (RSI)	55.20
Average Volume (20 Days)	11,563

Short Selling Information

The latest short interest is 7,494, so 0.16% of the outstanding shares have been sold short.

Short Interest	7,494
Short Previous Month	6,054
Short % of Shares Out	0.16%
Short % of Float	0.21%
Short Ratio (days to cover)	0.79

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.

Revenue	50.67M
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

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	-214.48M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

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	n/a

Dividends & Yields

This stock pays an annual dividend of $0.44, which amounts to a dividend yield of 1.88%.

Dividend Per Share	$0.44
Dividend Yield	1.88%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	16.63%
Buyback Yield	n/a
Shareholder Yield	1.91%
Earnings Yield	10.47%
FCF Yield	n/a

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	2