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BOTJ Stock Chart & Stats
$26.93
$0.08(0.30%)
At close: 4:00 PM EDT
$26.93
$0.08(0.30%)
Day’s Range― - ―
52-Week Range$13.75 - $29.79
Previous Close$27.01
Volume20.60K
Average Volume (3M)3.60K
Market Cap
$122.85M
Enterprise Value$99.94
Total Cash (Recent Filing)$30.25M
Total Debt (Recent Filing)$8.73M
Price to Earnings (P/E)22.3
Beta0.24
Next Earnings
Oct 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.48%
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Conservative, Improving Balance SheetA materially lower debt-to-equity and steadily growing equity base strengthen capital resilience and financial flexibility. This durable improvement supports lending capacity, stress absorption, and the ability to fund strategic initiatives or return capital without jeopardizing regulatory or liquidity positions over months.
Strengthening Cash Generation And Free Cash FlowMeaningful increases in operating and free cash flow indicate higher internal funding capacity and earnings quality. Sustained cash conversion supports dividends, loan originations, and reserve builds, reducing reliance on external financing and improving long-term strategic optionality for the bank.
Improving Asset Quality And Efficiency Driving Record EarningsLower nonperforming loans, wider net interest margin and better efficiency ratios together reduce credit and operating drag. Those structural improvements enhance sustainable profitability, permitting continued reinvestment in core banking and wealth management services while supporting shareholder returns over the medium term.
Bears Say
Recent TTM Revenue DeclineA trailing‑twelve‑month revenue decrease represents a tangible slowdown in top-line momentum that can persist into subsequent quarters. Sustained revenue weakness reduces capacity to scale net interest income and fees, pressuring long‑term growth and making margin expansion harder to sustain without renewed origination or fee growth.
Profitability And Returns Below Prior PeaksAlthough current margins and ROE are healthy, they remain below earlier peak levels. Persistent compression versus prior years limits retained earnings growth, constrains capital accumulation, and reduces room for higher dividends or aggressive expansion if competitive or credit conditions worsen over the medium term.
Limited Scale And Regional ConcentrationModest asset size and a regional focus limit diversification and economies of scale. Over months this raises relative cost pressure for technology, compliance, and product expansion, and steady deposits imply constrained funding growth versus competitors, potentially limiting sustainable loan portfolio expansion.
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 $13.75 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 $122.85M.
When is Bank Of The Jame Financial’s upcoming earnings report date?
Bank Of The Jame Financial’s upcoming earnings report date is Oct 16, 2026 which is in 70 days.
How were Bank Of The Jame Financial’s earnings last quarter?
Bank Of The Jame Financial released its earnings results on Jul 30, 2026. The company reported $0.713 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 1.48%. 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 $0.713 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -2.064%.
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
Insider Transactions
Bought Shares
Worth $49.4K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
18.42%
12-Months-Change
Fundamentals
Return on Equity
1.48%
Trailing 12-Months
Asset Growth
4.89%
Trailing 12-Months
Company Description
Bank Of The Jame Financial
Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.
Technical Analysis
Broadway Financial
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Summit State Bank
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United Bancorp
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First US Bancshares
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First Northwest Bancorp
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Ownership Overview
6.39% Insiders
5.29% Mutual Funds
2.70% Other Institutional Investors
81.08% Public Companies and
Individual Investors