Bank Of The Jame Financial (BOTJ) AI Stock Analysis

• Market Cap: $64.45M
• Dividend Yield: 2.82%
• Average Volume (3M): 2.83K
• Price to Earnings (P/E): 9.0
• Beta (1Y): 0.23
• Revenue Growth: 9.06%
• EPS Growth: -16.04%
• Country: US
• Employees: 162
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.59
• Shares Outstanding: 4,543,338
• 10 Day Avg. Volume: 4,990
• 30 Day Avg. Volume: 2,826
• PEG Ratio: -1.08
• Price to Book (P/B): 1.11
• Price to Sales (P/S): 1.22
• P/FCF Ratio: 12.10
• Enterprise Value/Market Cap: 0.78
• Enterprise Value/Revenue: 0.84
• Enterprise Value/Gross Profit: 1.14
• Enterprise Value/Ebitda: 4.95
• 1Y Price Target: $15.50
• Price Target Upside: 9.46% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 75 Outperform
• Price Target: $15.50 ▲(9.46% Upside)

Bank Of The James Financial's overall stock score is driven by strong financial performance and attractive valuation metrics. The company's solid balance sheet and consistent revenue growth are significant strengths. However, technical indicators suggest a neutral market sentiment, which slightly tempers the overall score. The absence of earnings call data and corporate events means these factors do not influence the score.

Bank Of The Jame Financial Business Overview & Revenue Model

Company Description

Bank Of The Jame Financial (BOTJ) is a regional financial institution dedicated to providing a wide range of banking services to individuals and businesses. Operating primarily in the retail and commercial banking sectors, BOTJ offers products such as savings and checking accounts, personal and business loans, mortgage services, and investment solutions. The bank prides itself on its customer-centric approach, leveraging technology to enhance user experience and streamline banking operations.

How the Company Makes Money

Bank Of The Jame Financial generates revenue through several key streams, primarily from interest income on loans and mortgages issued to customers. The bank earns interest by lending money at a higher rate than the interest it pays on deposits. Additionally, BOTJ collects fees for various services, including account maintenance, overdraft protection, and transaction processing. The bank may also generate revenue through investment services, such as wealth management and financial advisory fees. Strategic partnerships with local businesses and community organizations enhance its visibility and customer base, contributing to its overall earnings. Furthermore, BOTJ may engage in secondary income sources such as credit card services and ATM fees, which also bolster its financial performance.

Bank Of The Jame Financial Financial Statement Overview

Summary

Bank Of The Jame Financial demonstrates strong financial health with consistent revenue growth and effective cost management. The balance sheet is solid with low leverage and a healthy equity position. Cash flows are positive, although there is a slight decline in free cash flow relative to net income. The company is well-positioned in the regional banking industry, but should monitor net profit margins and free cash flow closely to maintain its financial strength.

Income Statement

The income statement shows a strong performance with a consistent increase in total revenue over the years, culminating in a TTM revenue of $59.67 million. The gross profit margin remains robust at approximately 74.2% for the TTM, indicating efficient cost management. However, the net profit margin has slightly decreased to 11.1% in the TTM from 13.5% in 2024, suggesting some pressure on net income. The EBIT and EBITDA margins are healthy, though there is a slight decline in EBIT margin from 16.8% in 2024 to 13.8% in the TTM, which could be a point of concern.

Balance Sheet

The balance sheet reflects solid financial stability with a debt-to-equity ratio of 0.28 in the TTM, indicating low leverage. The equity ratio has improved to 6.8% in the TTM, showing a stronger equity base. Return on equity (ROE) is at 9.7% for the TTM, which is slightly lower than the previous year but still respectable. Overall, the company maintains a strong equity position with manageable debt levels.

Cash Flow

Cash flow analysis reveals a positive trend in operating cash flow, which increased to $10.5 million in the TTM. The free cash flow also shows growth, reaching $7.81 million. The operating cash flow to net income ratio is 1.59, indicating good cash generation relative to net income. However, the free cash flow to net income ratio has decreased slightly, suggesting some pressure on free cash flow relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	59.67M	58.96M	51.42M	43.85M	39.29M	39.55M
Gross Profit	44.27M	44.21M	41.98M	42.92M	37.69M	32.46M
EBITDA	10.16M	11.86M	12.25M	13.72M	11.51M	8.21M
Net Income	6.60M	7.94M	8.70M	8.96M	7.59M	4.98M
Balance Sheet
Total Assets	1.01B	979.24M	969.37M	928.57M	987.63M	851.39M
Cash, Cash Equivalents and Short-Term Investments	31.21M	38.67M	242.12M	215.81M	190.60M	121.87M
Total Debt	19.20M	19.35M	19.93M	20.49M	21.02M	10.03M
Total Liabilities	943.38M	914.38M	909.33M	878.35M	918.21M	784.65M
Stockholders Equity	68.35M	64.86M	60.04M	50.23M	69.43M	66.73M
Cash Flow
Free Cash Flow	7.81M	5.96M	7.92M	8.12M	13.44M	3.45M
Operating Cash Flow	10.50M	8.51M	9.49M	9.31M	16.35M	5.20M
Investing Cash Flow	-18.96M	-11.17M	-23.34M	-88.13M	-65.03M	-62.05M
Financing Cash Flow	15.35M	1.14M	26.92M	-42.57M	130.95M	118.63M

Bank Of The Jame Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.16
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOTJ, the sentiment is Positive. The current price of 14.16 is above the 20-day moving average (MA) of 13.86, above the 50-day MA of 13.98, and above the 200-day MA of 13.92, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 57.42 is Neutral, neither overbought nor oversold. The STOCH value of 76.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BOTJ.

Bank Of The Jame Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	75 Outperform	$64.45M	9.01	10.73%	2.82%	9.06%	-16.04%
AUBN	70 Neutral	$90.77M	13.64	8.25%	4.17%	27.65%	996.66%
Sector *	68 Neutral	$17.53B	11.78	10.43%	3.83%	9.94%	1.31%
BYFC	60 Neutral	$70.67M	158.72	0.22%	―	2.54%	-174.74%
SSBI	58 Neutral	$80.12M	10.38	-1.64%	3.33%	-0.03%	-126.57%
BAFN	57 Neutral	$39.89M	5.59	8.93%	3.46%	7.07%	96.65%

Bank Of The Jame Financial Corporate Events

Bank Of The Jame Financial Declares Quarterly Dividend

On July 22, 2025, the Board of Directors of Bank Of The Jame Financial declared a quarterly cash dividend of $0.10 per share of common stock. This dividend will be paid on or about September 26, 2025, to stockholders of record as of the close of business on September 12, 2025.

Bank of the James Financial Holds Annual Shareholder Meeting

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.