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Bank Of The James Financial Group, Inc. (BOTJ)
:BOTJ
US Market
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Bank Of The Jame Financial (BOTJ) AI Stock Analysis

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Bank Of The Jame Financial

(NASDAQ:BOTJ)

Rating:75Outperform
Price Target:
$16.00
▲(15.11%Upside)
The overall stock score of 75 reflects strong financial performance as a key factor, supported by reasonable valuation. Technical analysis suggests stability with no significant momentum. The absence of recent earnings call data and notable corporate events means the score relies heavily on financial health and valuation metrics.

Bank Of The Jame Financial (BOTJ) vs. SPDR S&P 500 ETF (SPY)

Bank Of The Jame Financial Business Overview & Revenue Model

Company DescriptionBank Of The Jame Financial (BOTJ) is a regional financial institution that provides a broad range of banking services to individuals, businesses, and communities. Operating primarily in the retail and commercial banking sectors, BOTJ offers products such as checking and savings accounts, personal and business loans, mortgages, and investment services. The company is committed to customer service excellence and leveraging technology to enhance user experience across its service offerings.
How the Company Makes MoneyBank Of The Jame Financial makes money primarily through interest income from loans and mortgages offered to individuals and businesses. The interest rates charged on these financial products are higher than the interest paid on deposits, creating a net interest margin, which is a significant revenue stream for the bank. Additionally, BOTJ generates revenue from non-interest income sources, such as fees for account maintenance, transaction services, and advisory services in wealth management. The company may also benefit from strategic partnerships with fintech firms to offer innovative financial solutions, contributing to its earnings. Furthermore, investment income from securities and other financial instruments forms a part of BOTJ's revenue model.

Bank Of The Jame Financial Financial Statement Overview

Summary
Bank Of The Jame Financial shows strong revenue and EBIT growth, indicating a solid operational performance. The company maintains efficient cost management and a conservative capital structure, which is crucial in the banking industry. However, the lack of reported cash flow figures for the latest period presents a risk, as cash flow is critical for sustaining operations and funding growth. Overall, while there are some areas of concern, the financial health appears robust, with potential improvements needed in cash flow reporting.
Income Statement
78
Positive
Bank Of The Jame Financial has demonstrated consistent revenue growth with a notable increase from 2023 to 2024. The gross profit margin remains strong at 100%, indicating excellent control over costs of revenue. However, the net profit margin decreased slightly from 22.1% in 2023 to 17.6% in 2024, which may suggest increased expenses or lower margins on incremental revenue.
Balance Sheet
82
Very Positive
The company maintains a relatively low debt-to-equity ratio of 0.30 in 2024, indicating conservative leverage. A strong equity ratio of 6.6% reflects a solid capital structure. The return on equity improved to 12.2%, showcasing efficient use of equity to generate profits. However, the decreasing equity ratio over the years suggests rising liabilities relative to assets, which could be a concern.
Cash Flow
55
Neutral
The absence of reported operating and free cash flow for 2024 raises concerns about cash flow transparency and sustainability. Prior year data showed positive free cash flow growth, but the lack of current data makes it difficult to assess ongoing cash flow health. Historical cash flow ratios indicated strong cash conversion, but the recent lack of data is a significant drawback.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue44.38M44.37M52.19M43.85M38.79M35.01M
Gross Profit44.27M44.21M41.98M42.92M37.69M35.01M
EBITDA10.16M11.86M12.25M13.72M11.51M8.21M
Net Income6.60M7.94M8.70M8.96M7.59M4.98M
Balance Sheet
Total Assets1.01B979.24M969.37M928.57M987.63M851.39M
Cash, Cash Equivalents and Short-Term Investments218.54M88.69M291.35M247.55M344.42M121.87M
Total Debt0.0019.35M19.93M20.49M21.02M10.03M
Total Liabilities943.38M914.38M909.33M878.35M918.21M784.65M
Stockholders Equity68.35M64.86M60.04M50.23M69.43M66.73M
Cash Flow
Free Cash Flow8.43M5.96M7.92M8.12M12.88M3.45M
Operating Cash Flow10.50M8.51M9.49M9.31M15.79M5.20M
Investing Cash Flow-18.96M0.00-23.34M-88.13M-64.46M-62.05M
Financing Cash Flow15.35M1.14M26.92M-42.57M130.95M118.63M

Bank Of The Jame Financial Technical Analysis

Technical Analysis Sentiment
Negative
Last Price13.90
Price Trends
50DMA
14.05
Negative
100DMA
13.81
Positive
200DMA
13.81
Positive
Market Momentum
MACD
-0.02
Positive
RSI
47.16
Neutral
STOCH
47.37
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOTJ, the sentiment is Negative. The current price of 13.9 is below the 20-day moving average (MA) of 14.03, below the 50-day MA of 14.05, and above the 200-day MA of 13.81, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 47.16 is Neutral, neither overbought nor oversold. The STOCH value of 47.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BOTJ.

Bank Of The Jame Financial Risk Analysis

Bank Of The Jame Financial disclosed 46 risk factors in its most recent earnings report. Bank Of The Jame Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Bank Of The Jame Financial Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
$63.18M9.5810.25%2.88%12.23%-25.92%
70
Neutral
$86.71M13.238.32%4.35%22.78%722.30%
69
Neutral
$59.33M6.4310.87%2.23%8.22%111.97%
67
Neutral
$16.77B11.749.77%3.75%12.07%-8.28%
55
Neutral
$78.38M10.38-3.20%1.35%-3.54%-138.07%
50
Neutral
$70.24M158.720.57%11.84%-120.17%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BOTJ
Bank Of The Jame Financial
13.90
2.09
17.70%
AUBN
Auburn National Bancorporation
25.99
7.81
42.96%
BYFC
Broadway Financial
7.61
2.64
53.12%
SSBI
Summit State Bank
11.88
2.23
23.11%
BAFN
BayFirst Financial Corp
14.60
1.64
12.65%

Bank Of The Jame Financial Corporate Events

Executive/Board ChangesShareholder Meetings
Bank of the James Financial Holds Annual Shareholder Meeting
Neutral
May 21, 2025

On May 20, 2025, Bank of the James Financial Group, Inc. held its Annual Meeting of Shareholders, where approximately 78.37% of the outstanding shares were represented. During the meeting, shareholders elected three Group One directors for a three-year term, ratified the appointment of Elliott Davis, PLLC as the independent registered public accounting firm for 2025, and approved the executive compensation plan.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 15, 2025