Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
27.49
+0.49 (1.81%)
At close: Sep 3, 2026, 4:00 PM EDT
27.49
0.00 (0.00%)
After-hours: Sep 3, 2026, 4:10 PM EDT

BOTJ Statistics

Total Valuation

BOTJ has a market cap or net worth of $124.90 million. The enterprise value is $98.02 million.

Market Cap124.90M
Enterprise Value 98.02M

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 (%) 14.21%
Owned by Institutions (%) 24.43%
Float 3.48M

Valuation Ratios

The trailing PE ratio is 10.68.

PE Ratio 10.68
Forward PE n/a
PS Ratio 2.42
Forward PS n/a
PB Ratio 1.48
P/TBV Ratio 1.65
P/FCF Ratio 10.77
P/OCF Ratio 9.83
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 8.46
EV / Sales 1.90
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 8.44

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 0.75
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 $292,571
Profits Per Employee $65,657
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 +77.13% 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 +77.13%
50-Day Moving Average 26.65
200-Day Moving Average 22.17
Relative Strength Index (RSI) 59.85
Average Volume (20 Days) 39,989

Short Selling Information

The latest short interest is 9,116, so 0.20% of the outstanding shares have been sold short.

Short Interest 9,116
Short Previous Month 14,695
Short % of Shares Out 0.20%
Short % of Float 0.26%
Short Ratio (days to cover) 0.25

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 14.33M
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 $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 27.98%
Pretax Margin 27.84%
Profit Margin 22.44%
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 1.46%.

Dividend Per Share $0.40
Dividend Yield 1.46%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 15.82%
Buyback Yield n/a
Shareholder Yield 1.48%
Earnings Yield 9.26%
FCF Yield 9.28%
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