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Bank Of The James Financial Group(NASDAQ) BOTJ

Current Price$26.94
Market Cap$120.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2000)+902%
5 Year+82%
1 Year+95%
1 Month+8%
Bank Of The James Financial Group last closing stock price
MetricPriceDate
Last closeUSD 26.552026-07-23
Bank Of The James Financial Group stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.15%USD 26.862026-07-16
1 month+8.15%USD 24.552026-06-23
3 month+14.5%USD 23.192026-04-24
Year to date+44.22%USD 18.412025-12-31
1 year+95.19%USD 13.602025-07-23
3 year+169.73%USD 9.842023-07-24
5 year+82.32%USD 14.562021-07-23
Since inception+901.71%USD 2.652000-06-15

Bank Of The James Financial Group Financials at a Glance

Market Cap

$120.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$59.36M

Net Income (TTM)

$10.95M

EPS (TTM)

$2.41

P/E Ratio

11.01

Dividend

$0.40

Beta (Volatility)

0.16 (Low)

Price

$26.94

Volume

418

Open

$27.00

Previous Close

$26.94

Daily Range

$26.94 - $27.20

52-Week Range

$13.38 - $29.79

Estimated Earnings Date

Apr 28, 2026

BOTJ News

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Bank Of The James (BOTJ) Q2 EPS Up 28%

Motley Fool Markets TeamAug 4, 2025

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About Bank Of The James Financial Group

Bank of the James helps people and businesses in Virginia manage money and get loans. Its checking accounts and business loans support daily needs and growth. The bank also offers mortgages and investment advice for families and companies.

Money Matters: What Bank of the James Offers

  • Community Banking: Checking, savings, and deposit accounts for individuals and businesses (primary revenue driver).
  • Business Lending: Loans for equipment, property, and working capital, mainly for small and medium businesses.
  • Mortgage Banking: Home loans and construction financing for buyers and developers.
  • Investment Advisory: Financial planning and investment management, serving individuals and organizations.
  • Insurance Services: Insurance and annuity products for personal and business protection.
  • Digital Banking: Online and mobile banking, bill pay, and remote account access for convenience.

Branching Out: Growth and Expansion Moves

  • Acquired Pettyjohn, Wood & White in 2021 to expand investment advisory services.
  • Opened new branches in Roanoke, Charlottesville, and other Virginia cities from 2023 to 2025.
  • Purchased properties in 2021 and 2023 for future branch locations, including Nellysford and Lynchburg.
  • Amended core processing contract in April 2025, aiming for future cost savings.

Why Bank of the James Stands Out (Without the Jazz Hands)

The bank focuses on serving local communities in Central Virginia with a mix of traditional and digital services. It combines banking, mortgage, and investment offerings under one roof, giving customers multiple options. Its risk management and branch expansion strategies help it adapt to changing market needs.

Five Things You Need to Know

  • Revenue was $5M in Q3 2025, down 68% from Q3 2024.
  • Net interest income reached $8.25M for the three months ended June 30, 2025, up 16% year-over-year.
  • Investment advisory assets under management were $930M as of June 30, 2025.
  • Total loans were $649.1M and deposits $910.5M at June 30, 2025.
  • Return on average equity was 15.89% for the three months ended June 30, 2025, up from 14.35% for the three months ended June 30, 2024.

Bottom Line

Bank of the James has grown by expanding services and locations in Virginia. Its mix of banking, lending, and investment offerings supports a diverse customer base.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

175

CEO

Robert R. Chapman, III

Website

www.bankofthejames.bank

Headquarters

Lynchburg, VA 24504, US

BOTJ Financials

Key Financial Metrics (TTM)

Gross Margin

77.63%

Operating Margin

16.21%

Net Income Margin

18.45%

Return on Equity

14.13%

Return on Capital

12.54%

Return on Assets

1.03%

Earnings Yield

9.08%

Dividend Yield

1.51%

Payout Ratio

16.59%

Stock Overview

Market Cap

$120.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.54M

Volume

418

Avg. Volume

19.73K

Financials (TTM)

Gross Profit

$46.08M

Operating Income

$9.62M

EBITDA

$10.72M

Operating Cash Flow

$15.64M

Capital Expenditure

-$393.00K

Free Cash Flow

$15.24M

Cash & ST Invst.

$30.26M

Total Debt

$8.73M

Bank Of The James Financial Group Performance Analysis

Bank Of The James Financial Group annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 44,883,00011.4%
20232023-12-31USD 52,189,00016.3%
20242024-12-31USD 59,780,00014.5%
20252025-12-31USD 62,507,0004.6%
Bank Of The James Financial Group sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-307.8%
Q32025-09-301.8%
Q42025-12-313.9%
Q12026-03-31-27.5%
Bank Of The James Financial Group annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.9119.3%
20232023-12-31USD 1.910.0%
20242024-12-31USD 1.75-8.3%
20252025-12-31USD 1.9913.6%
Bank Of The James Financial Group sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30215.8%
Q32025-09-301.7%
Q42025-12-31-1.6%
Q12026-03-311.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$11.85M

-17.3%

Gross Profit

$8.73M

-18.2%

Gross Margin

73.71%

N/A

Market Cap

$120.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$689.29K

N/A

Employees

175

N/A

Net Income

$2.77M

+229.5%

EBITDA

-$247.00K

-116.4%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$30.26M

-3.1%

Total Debt

$8.73M

-54.5%

Accounts Receivable

$3.20M

+7.7%

Inventory

$0.00

N/A

Long Term Debt

$8.73M

-54.5%

Short Term Debt

$0.00

N/A

Return on Assets

1.03%

N/A

Return on Invested Capital

9.29%

N/A

Free Cash Flow

$4.36M

+2990.1%

Operating Cash Flow

$4.74M

+521.1%

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Questions About BOTJ

What is the current price of Bank Of The James Financial Group?

Bank Of The James Financial Group is trading at $26.94 per share.

What is the 52-week range for Bank Of The James Financial Group?

Over the past 52 weeks, Bank Of The James Financial Group has traded between $13.38 and $29.79.

How much debt does Bank Of The James Financial Group have?

As of the most recent reporting period, Bank Of The James Financial Group reported total debt of $8.73M.

How much cash does Bank Of The James Financial Group have on hand?

Bank Of The James Financial Group does not have cash on hand data available.

What is Bank Of The James Financial Group’s dividend yield?

Bank Of The James Financial Group currently has a dividend yield of 1.51%.

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