Bank Of The Jame Financial (BOTJ)
NASDAQ:BOTJ
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BOTJ Stock Chart & Stats
$18.22
-$1.91(-12.31%)
At close: 4:00 PM EST
$18.22
-$1.91(-12.31%)
Day’s Range― - ―
52-Week Range$13.00 - $29.79
Previous CloseN/A
Volume13.64K
Average Volume (3M)3.60K
Market Cap
$103.36M
Enterprise Value$86.99M
Total Cash (Recent Filing)$30.25M
Total Debt (Recent Filing)$8.73M
Price to Earnings (P/E)8.4
Beta0.18
Next Earnings
Jul 17, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.18%
Share Statistics
EPS (TTM)2.42
Shares Outstanding4,543,338
10 Day Avg. Volume5,719
30 Day Avg. Volume3,596
Financial Highlights & Ratios
PEG Ratio0.68
Price to Book (P/B)1.05
Price to Sales (P/S)1.35
P/FCF Ratio8.04
Enterprise Value/Market Cap0.84
Enterprise Value/Revenue1.47
Enterprise Value/Gross Profit1.89
Enterprise Value/Ebitda8.11
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improving LeverageA sharply lower debt-to-equity ratio materially strengthens capital flexibility, letting management support dividends, absorb credit losses, and finance measured loan or branch expansion without raising costly external capital. That reduces solvency risk and supports steady operations over months.
Strengthened Cash GenerationMeaningful growth in operating and free cash flow (FCF ~95% of net income TTM) improves internal funding for lending, technology, and dividends. Durable cash generation raises resilience to stress, reduces reliance on external funding, and supports sustainable shareholder distributions.
Growing Fee Businesses & Capital ReturnRising noninterest income from mortgage gains and wealth fees plus AUM growth diversifies revenue away from pure net interest income. Combined with a recent dividend, this indicates recurring fee streams and capital strength that can stabilize earnings across rate cycles and support long-term shareholder returns.
Bears Say
Top-line Softness (TTM)A TTM revenue decline signals pressure on growth that can persist if lending volumes or fee generation cool. Sustained top-line weakness constrains reinvestment, limits margin recovery, and pressures ROE over several quarters unless offset by renewed loan growth or higher fee traction.
Geographic ConcentrationConcentration in a regional market limits diversification of credit and deposit risk and narrows addressable growth. Local economic or industry downturns could disproportionately affect loan performance and deposit stability, reducing predictability of earnings across a 2–6 month horizon.
NII Dependence & Funding SensitivityHeavy reliance on net interest income makes margins sensitive to rate shifts and deposit mix changes. If core deposits re-price up or funding costs rise, NIM and net income can compress. This structural sensitivity can persist for months as funding and loan repricing lag market moves.
Bank Of The Jame Financial News
BOTJ FAQ
What was Bank Of The Jame Financial’s price range in the past 12 months?
Bank Of The Jame Financial lowest stock price was $13.00 and its highest was $29.79 in the past 12 months.
What is Bank Of The Jame Financial’s market cap?
Bank Of The Jame Financial’s market cap is $103.36M.
When is Bank Of The Jame Financial’s upcoming earnings report date?
Bank Of The Jame Financial’s upcoming earnings report date is Jul 17, 2026 which is in 52 days.
How were Bank Of The Jame Financial’s earnings last quarter?
Bank Of The Jame Financial released its earnings results on Apr 30, 2026. The company reported $0.611 earnings per share for the quarter, beating the consensus estimate of N/A by $0.611.
Is Bank Of The Jame Financial overvalued?
According to Wall Street analysts Bank Of The Jame Financial’s price is currently Overvalued.
Does Bank Of The Jame Financial pay dividends?
Bank Of The Jame Financial pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 2.18%. See more information on Bank Of The Jame Financial dividends here
What is Bank Of The Jame Financial’s EPS estimate?
Bank Of The Jame Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Bank Of The Jame Financial have?
Bank Of The Jame Financial has 4,543,338 shares outstanding.
What happened to Bank Of The Jame Financial’s price movement after its last earnings report?
Bank Of The Jame Financial reported an EPS of $0.611 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.131%.
Which hedge fund is a major shareholder of Bank Of The Jame Financial?
Currently, no hedge funds are holding shares in BOTJ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Bank Of The Jame Financial Stock Smart Score
Neutral
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Insider Transactions
Bought Shares
Worth $49.4K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
18.42%
12-Months-Change
Fundamentals
Return on Equity
14.13%
Trailing 12-Months
Asset Growth
4.89%
Trailing 12-Months
Company Description
Bank Of The Jame Financial
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.
Technical Analysis
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Ownership Overview
6.39% Insiders
5.23% Mutual Funds
19.33% Other Institutional Investors
64.63% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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