Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
23.76
+0.09 (0.38%)
At close: Oct 30, 2026, 4:00 PM EDT
23.54
-0.22 (-0.93%)
After-hours: Oct 30, 2026, 7:30 PM EDT

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $107.95 million. The enterprise value is $54.80 million.

Market Cap107.95M
Enterprise Value 54.80M

Important Dates

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

Earnings Date Oct 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 (%) 12.05%
Owned by Institutions (%) 24.50%
Float 3.66M

Valuation Ratios

The trailing PE ratio is 8.98.

PE Ratio 8.98
Forward PE n/a
PS Ratio 2.05
Forward PS n/a
PB Ratio 1.38
P/TBV Ratio 1.53
P/FCF Ratio 9.37
P/OCF Ratio 8.56
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 4.54
EV / Sales 1.04
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 4.76

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity 0.11
Debt / EBITDA n/a
Debt / FCF 0.75
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 15.52%.

Return on Equity (ROE) 15.52%
Return on Assets (ROA) 1.16%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 4.89%
Revenue Per Employee $301,069
Profits Per Employee $68,909
Employee Count175
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, BOTJ has paid $3.15 million in taxes.

Income Tax 3.15M
Effective Tax Rate 20.70%

Stock Price Statistics

The stock price has increased by +46.31% in the last 52 weeks. The beta is 0.19, so BOTJ's price volatility has been lower than the market average.

Beta (5Y) 0.19
52-Week Price Change +46.31%
50-Day Moving Average 27.25
200-Day Moving Average 24.04
Relative Strength Index (RSI) 29.13
Average Volume (20 Days) 43,294

Short Selling Information

The latest short interest is 27,043, so 0.60% of the outstanding shares have been sold short.

Short Interest 27,043
Short Previous Month 14,501
Short % of Shares Out 0.60%
Short % of Float 0.74%
Short Ratio (days to cover) 0.63

Income Statement

In the last 12 months, BOTJ had revenue of $52.69 million and earned $12.06 million in profits. Earnings per share was $2.65.

Revenue52.69M
Gross Profit 52.69M
Operating Income 16.27M
Pretax Income 15.21M
Net Income 12.06M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $2.65
Full Income Statement

Balance Sheet

The company has $61.76 million in cash and $8.61 million in debt, with a net cash position of $53.15 million or $11.70 per share.

Cash & Cash Equivalents 61.76M
Total Debt 8.61M
Net Cash 53.15M
Net Cash Per Share $11.70
Equity (Book Value) 78.45M
Book Value Per Share 17.27
Working Capital -896.88M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $12.62 million and capital expenditures -$1.10 million, giving a free cash flow of $11.52 million.

Operating Cash Flow 12.62M
Capital Expenditures -1.10M
Depreciation & Amortization n/a
Net Borrowing -778,000
Free Cash Flow 11.52M
FCF Per Share $2.53
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 30.88%
Pretax Margin 28.86%
Profit Margin 22.89%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 22.49%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 1.68%.

Dividend Per Share $0.40
Dividend Yield 1.68%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 15.12%
FCF Payout Ratio 15.78%
Buyback Yield n/a
Shareholder Yield 1.68%
Earnings Yield 11.14%
FCF Yield 10.67%
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