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
$104.18M
Enterprise Value$81.67M
Total Cash (Recent Filing)$31.73M
Total Debt (Recent Filing)$8.80M
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)2.00
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 Cap0.78
Enterprise Value/Revenue1.32
Enterprise Value/Gross Profit1.70
Enterprise Value/Ebitda6.55
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
Low Leverage / Strong CapitalMaterially lower leverage and higher equity improve solvency and regulatory flexibility. A debt-to-equity near 0.11 cushions credit losses, supports continued lending and dividend capacity, and reduces refinancing risk, strengthening the bank's resilience over the medium term.
Improving Cash GenerationStronger operating and free cash flow that fully covered net income in 2025 enhances internal funding for growth, capital returns and reserves. Consistent cash generation improves capital allocation and reduces reliance on external funding over a multimonth horizon.
Very Healthy Credit & Fee DiversificationVery low nonperforming loans and strong reserve coverage limit near-term credit losses. Simultaneous growth in mortgage gains and wealth-management fees diversifies revenue away from pure net interest income, supporting more stable noninterest income streams.
Bears Say
Margin Compression/ Profitability PressureSignificant margin compression from prior peaks reduces earnings power and the bank's ability to absorb higher expenses or unexpected credit costs. If rate or competitive dynamics remain unfavorable, sustained lower margins could pressure ROE and internal capital generation.
Volatile Free Cash Flow HistoricallyHistoric swings in free cash flow undermine predictability for dividend policy and reinvestment. Although 2025 improved, prior FCF declines indicate earnings-to-cash conversion can be uneven, complicating medium-term capital planning and stress absorption.
Small Regional Scale / Concentration RiskModest asset base and a concentrated geographic footprint limit scale economies and product diversification versus larger peers. This concentration heightens exposure to local economic cycles and keeps fixed-cost leverage and competitive pressure on margins over the medium term.
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 $104.18M.
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 73 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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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
18.42%
12-Months-Change
Fundamentals
Return on Equity
12.15%
Trailing 12-Months
Asset Growth
6.10%
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
6.35% Insiders
5.23% Mutual Funds
4.37% Other Institutional Investors
79.63% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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