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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| BOTJ | +13.16% | +79.87% | +12.46% | +558% |
| S&P | +13.22% | +85.17% | +13.11% | +363% |
Bank of the James Financial Group, Inc. is a bank holding company, which engages in the provision of general retail and commercial banking services. It operates through the Community Banking, and Mortgage Banking segments. The Community Banking segment includes Bank of the James which provides loans, deposits, investments and insurance to retail and commercial customers throughout the bank's market areas. The Mortgage Banking segment offers a variety of mortgage loan products principally within the bank’s market areas. The company was founded on 1999 and is headquartered in Lynchburg, VA.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $15.94M | 3.6% |
| Market Cap | $70.88M | 13.5% |
| Market Cap / Employee | $0.41M | 0.0% |
| Employees | 175 | 1.7% |
| Net Income | $2.75M | 38.3% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $8.84M | -54.7% |
| Short Term Debt | $0.00M | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 0.78% | -0.1% |
| Return On Invested Capital | 9.43% | 0.2% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $5.49M | 63.6% |
| Operating Free Cash Flow | $5.27M | 6.0% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 9.08 | 10.18 | 8.93 | 8.95 | 20.95% |
| Price to Book | 1.05 | 1.04 | 0.93 | 0.99 | 9.05% |
| Price to Sales | 1.21 | 1.11 | 1.05 | 1.15 | 6.94% |
| Price to Tangible Book Value | 1.20 | 1.20 | 1.07 | 1.12 | 7.70% |
| Price to Free Cash Flow TTM | 17.41 | 11.21 | 9.47 | 7.98 | -21.81% |
| Free Cash Flow Yield | 5.7% | 8.9% | 10.6% | 12.5% | 27.90% |
| Return on Equity | 12.7% | 10.2% | 10.7% | 10.9% | -23.41% |
| Total Debt | $20.66M | $19.20M | $8.99M | $8.84M | -54.66% |
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