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

    Price:

    19.92 USD

    ( - -0.72 USD)

    Your position:

    0 USD

    ACTION PANEL
    CREATE A NOTE
    ABOUT
    Symbol
    BOTJ
    Name
    Bank of the James Financial Group, Inc.
    Industry
    Banks - Regional
    Sector
    Financial Services
    Price
    19.920
    Market Cap
    90.503M
    Enterprise value
    8.736M
    Currency
    USD
    Ceo
    Robert R. Chapman
    Full Time Employees
    162
    Ipo Date
    2000-08-10
    City
    Lynchburg
    Address
    828 Main Street

    Check the

    KEY TAKEAWAYS

    ASK OUR AI ABOUT THE COMPANY (REGISTER FOR EARLY ACCESS)
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    SIMILAR COMPANIES STI SCORE

    Similar STI Score

    Grupo Financiero Galicia S.A.

    VALUE SCORE:

    8

    Symbol
    GGAL
    Market Cap
    10.630T
    Industry
    Banks - Regional
    Sector
    Financial Services

    2nd position

    The First Bancorp, Inc.

    VALUE SCORE:

    14

    Symbol
    FNLC
    Market Cap
    320.648M
    Industry
    Banks - Regional
    Sector
    Financial Services

    The best

    Bank OZK

    VALUE SCORE:

    14

    Symbol
    OZK
    Market Cap
    5.517B
    Industry
    Banks - Regional
    Sector
    Financial Services
    FUNDAMENTALS
    P/E
    10.033
    P/S
    1.463
    P/B
    1.131
    Debt/Equity
    0.110
    EV/FCF
    1.530
    Price to operating cash flow
    -1.000
    Price to free cash flow
    -1.000
    EV/sales
    0.240
    Earnings yield
    0.100
    Debt/assets
    0.008
    FUNDAMENTALS
    Net debt/ebidta
    -6.141
    Interest coverage
    0.868
    Research And Developement To Revenue
    0
    Intangile to total assets
    0.008
    Capex to operating cash flow
    0
    Capex to revenue
    0
    Capex to depreciation
    0
    Return on tangible assets
    0.009
    Debt to market cap
    0.097
    Piotroski Score
    8.000
    FUNDAMENTALS
    PEG
    0.746
    P/CF
    9.470
    P/FCF
    9.470
    RoA %
    0.864
    RoIC %
    0.979
    Gross Profit Margin %
    77.662
    Quick Ratio
    0.662
    Current Ratio
    0.662
    Net Profit Margin %
    14.587
    Net-Net
    -192.480
    FUNDAMENTALS PER SHARE
    FCF per share
    2.132
    Revenue per share
    13.612
    Net income per share
    1.986
    Operating cash flow per share
    2.132
    Free cash flow per share
    2.132
    Cash per share
    18.593
    Book value per share
    18.609
    Tangible book value per share
    16.800
    Shareholders equity per share
    17.619
    Interest debt per share
    4.984
    TECHNICAL
    52 weeks high
    21.490
    52 weeks low
    12.750
    Current trading session High
    20.595
    Current trading session Low
    19.920
    DIVIDEND
    Dividend yield
    2.01%
    Payout ratio
    15.1%
    Years of div. Increase
    1.000
    Years of div.
    13.000
    Q-shift
    3.000
    Dividend per share
    0.400
    SIMILAR COMPANIES
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.043724697%
    Payout Ratio
    38.993797%
    P/E
    11.894
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.0021079257%
    Payout Ratio
    2.4044098%
    P/E
    11.083
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0%
    Payout Ratio
    0.3507825%
    P/E
    20.852
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.007179487%
    Payout Ratio
    -31.42448%
    P/E
    -22.217
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.018158237%
    Payout Ratio
    26.83578%
    P/E
    14.971
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.028647926%
    Payout Ratio
    31.641677%
    P/E
    10.851
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Asset Management
    Dividend yield
    0.056760848%
    Payout Ratio
    46.576855%
    P/E
    8.635
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.0144014405%
    Payout Ratio
    24.941996%
    P/E
    17.417
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0%
    Payout Ratio
    0%
    P/E
    12.929
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.060526315%
    Payout Ratio
    56.162435%
    P/E
    11.400
    DESCRIPTION

    Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the Unites States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it provides other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. It operates through a network of 16 full-service offices, 2 limited-service offices, and 1 residential mortgage loan production office. The company was founded in 1998 and is headquartered in Lynchburg, Virginia.

    NEWS
    https://images.financialmodelingprep.com/news/margin-gains-core-deposit-growth-drive-botjs-solid-q4-20260213.jpg
    Margin Gains & Core Deposit Growth Drive BOTJ's Solid Q4 Earnings

    zacks.com

    2026-02-13 12:36:03

    Bank of the James delivers record 2025 results as margins expand y/y, core deposits rise and expenses fall, driving Q4 profit and balance sheet growth.

    https://images.financialmodelingprep.com/news/botj-q4-earnings-rise-yy-on-strong-margins-lower-20260209.jpg
    BOTJ Q4 Earnings Rise Y/Y on Strong Margins & Lower Costs

    zacks.com

    2026-02-09 10:41:08

    Bank of the James posts record 2025 earnings as margins improve, expenses fall, and deposits grow, supporting recent share gains.

    https://images.financialmodelingprep.com/news/bank-of-the-james-announces-fourth-quarter-full-year-20260204.jpg
    Bank of the James Announces Fourth Quarter, Full Year 2025 Financial Results

    globenewswire.com

    2026-02-04 16:00:00

    Bank of the James Reports 2025 Net Income of $9.02 Million; Record Annual Earnings; Improved Metrics Bank of the James Reports 2025 Net Income of $9.02 Million; Record Annual Earnings; Improved Metrics

    https://images.financialmodelingprep.com/news/regional-banks-show-resilience-amid-high-rates-credit-gains-20260113.jpg
    Regional Banks Show Resilience Amid High Rates & Credit Gains

    zacks.com

    2026-01-13 12:20:26

    CMTV, BOTJ and SFDL stand out with solid asset bases, strong earnings and credit discipline despite rate headwinds.

    https://images.financialmodelingprep.com/news/bank-of-the-james-financial-group-inc-announces-retirement-20260109.jpg
    Bank of the James Financial Group, Inc. Announces Retirement of Co-Founder and Director J. Todd Scruggs

    globenewswire.com

    2026-01-09 16:00:00

    LYNCHBURG, Va., Jan. 09, 2026 (GLOBE NEWSWIRE) -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ: BOTJ), the parent company of Bank of the James (the “Bank”), today announced the retirement of J. Todd Scruggs from the Boards of Directors of the Company and the Bank and from his executive roles, effective January 5, 2026.

    https://images.financialmodelingprep.com/news/pebk-vs-botj-which-bank-stock-deserves-a-spot-20260102.jpg
    PEBK vs. BOTJ: Which Bank Stock Deserves a Spot in Your Portfolio?

    zacks.com

    2026-01-02 12:40:33

    Peoples Bancorp and Bank of the James are navigating community banking with distinct models, but which has more upside? Let's dive in.

    https://images.financialmodelingprep.com/news/bank-of-the-james-q3-earnings-rise-yy-profit-20251104.jpg
    Bank of the James Q3 Earnings Rise Y/Y, Profit Margin Expands

    zacks.com

    2025-11-04 13:51:05

    BOTJ reports record Q3 profit, margin gains and strong loan growth, driving shareholder value.

    https://images.financialmodelingprep.com/news/bank-of-the-james-announces-cfocio-transition-and-appointment-20251030.jpg
    Bank of the James Announces CFO–CIO Transition and Appointment of New Chief Financial Officer

    globenewswire.com

    2025-10-30 16:30:00

    LYNCHBURG, Va., Oct. 30, 2025 (GLOBE NEWSWIRE) -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ:BOTJ), the parent company of Bank of the James (the “Bank”), a full-service commercial and retail bank, and Pettyjohn, Wood & White, Inc. (“PWW”), an SEC-registered investment advisor, today announced changes to the Bank's executive leadership to improve oversight and better coordinate financial and investment approaches.

    https://images.financialmodelingprep.com/news/bank-of-the-james-announces-third-quarter-first-nine-months-20251030.jpg
    Bank of the James Announces Third Quarter, First Nine Months of 2025 Financial Results

    globenewswire.com

    2025-10-30 16:30:00

    Bank of the James Reports Record Quarterly Earnings and Margin Expansion Loan Growth, Stable Funding Costs, and Exceptional Asset Quality Drive Record Profitability

    https://images.financialmodelingprep.com/news/correcting-and-replacing-bank-of-the-james-announces-second-20250805.jpg
    CORRECTING and REPLACING "Bank of the James Announces Second Quarter, First Half of 2025 Financial Results"; Corrects Typos in Narrative Related to Total Assets and Loan Balances

    globenewswire.com

    2025-08-05 08:27:00

    LYNCHBURG, Va., Aug. 05, 2025 (GLOBE NEWSWIRE) -- In a release issued under the same headline earlier today by Bank of the James Financial Group, Inc. (NASDAQ:BOTJ), please note that typos have been corrected in the 10th bullet point and the "Balance Sheet" section of the narrative, relating to total assets and loan balance amounts; where total assets of $1.04 billion should have been $1.004 billion, and loan balances of $649.09 at June 30, 2025 and $636.55 at December 31, 2024 should have been labeled as "million" amounts.

    https://images.financialmodelingprep.com/news/bank-of-the-james-announces-first-quarter-of-2025financial-20250430.jpg
    Bank of the James Announces First Quarter of 2025 Financial Results

    globenewswire.com

    2025-04-30 14:00:00

    LYNCHBURG, Va., April 30, 2025 (GLOBE NEWSWIRE) -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ:BOTJ), the parent company of Bank of the James (the “Bank”), a full-service commercial and retail bank, and Pettyjohn, Wood & White, Inc. (“PWW”), an SEC-registered investment advisor, today announced unaudited results of operations for the three month period ended March 31, 2025.

    https://images.financialmodelingprep.com/news/bank-of-the-james-announces-fourth-quarter-full-year-20250131.jpg
    Bank of the James Announces Fourth Quarter, Full Year of 2024 Financial Results and Declaration of Dividend

    globenewswire.com

    2025-01-31 12:00:00

    LYNCHBURG, Va., Jan. 31, 2025 (GLOBE NEWSWIRE) -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ:BOTJ), the parent company of Bank of the James (the “Bank”), a full-service commercial and retail bank, and Pettyjohn, Wood & White, Inc. (“PWW”), an SEC-registered investment advisor, today announced unaudited results of operations for the three month and 12 month periods ended December 31, 2024.

    https://images.financialmodelingprep.com/news/bank-of-the-james-announces-third-quarter-first-nine-20241025.jpg
    Bank of the James Announces Third Quarter, First Nine Months of 2024 Financial Results and Declaration of Dividend

    globenewswire.com

    2024-10-25 12:00:00

    LYNCHBURG, Va., Oct. 25, 2024 (GLOBE NEWSWIRE) -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ:BOTJ), the parent company of Bank of the James (the “Bank”), a full-service commercial and retail bank, and Pettyjohn, Wood & White, Inc. (“PWW”), an SEC-registered investment advisor, today announced unaudited results of operations for the three month and nine month periods ended September 30, 2024.

    https://images.financialmodelingprep.com/news/bank-of-the-james-announces-second-quarter-first-half-20240726.jpg
    Bank of the James Announces Second Quarter, First Half of 2024 Financial Results and Declaration of Dividend

    globenewswire.com

    2024-07-26 12:00:00

    LYNCHBURG, Va., July 26, 2024 (GLOBE NEWSWIRE) -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ:BOTJ), the parent company of Bank of the James (the “Bank”), a full-service commercial and retail bank, and Pettyjohn, Wood & White, Inc. (“PWW”), an SEC-registered investment advisor, today announced unaudited results of operations for the three month and six month periods ended June 30, 2024.

    https://images.financialmodelingprep.com/news/bank-of-the-james-announces-first-quarter-of-2024financial-20240426.jpg
    Bank of the James Announces First Quarter of 2024 Financial Results and Declaration of Dividend

    globenewswire.com

    2024-04-26 12:00:00

    LYNCHBURG, Va., April 26, 2024 (GLOBE NEWSWIRE) -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ:BOTJ), the parent company of Bank of the James (the “Bank”), a full-service commercial and retail bank, and Pettyjohn, Wood & White, Inc. (“PWW”), an SEC-registered investment advisor, today announced unaudited results of operations for the three month period ended March 31, 2024.

    https://images.financialmodelingprep.com/news/21-upcoming-dividend-increases-including-2-kings-20240223.jpg
    21 Upcoming Dividend Increases Including 2 Kings

    seekingalpha.com

    2024-02-23 03:48:17

    Dividend Kings S&P Global and Genuine Parts Company extend their streaks with modest increases. The average dividend increase this week is 8.28% and the median is 7%.