Bank Of The Jame Financial (BOTJ) AI Stock Analysis

• Market Cap: $82.37M
• Dividend Yield: 2.21%
• Average Volume (3M): 3.60K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.16
• Revenue Growth: 6.17%
• EPS Growth: -6.13%
• Country: US
• Employees: 162
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.61
• Shares Outstanding: 4,543,338
• 10 Day Avg. Volume: 5,719
• 30 Day Avg. Volume: 3,596
• 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: 0.62
• Enterprise Value/Revenue: 0.57
• Enterprise Value/Gross Profit: 0.74
• Enterprise Value/Ebitda: 3.03
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $20.00 ▲(9.23% Upside)

Bank Of The James Financial receives a strong overall score driven by its robust financial performance, positive technical indicators, and strategic corporate events. The company's stable financial position, attractive valuation, and recent dividend announcement contribute significantly to its appeal. However, challenges in revenue growth and profitability slightly temper the outlook.

Positive Factors

Strong Financial Performance

Record earnings and increased net interest income indicate robust financial health and effective strategic management, supporting long-term growth.

Leadership Transition

The leadership transition aims to strengthen financial and investment strategies, potentially improving governance and strategic execution long-term.

Cash Flow Generation

Strong free cash flow growth highlights efficient cash generation, enhancing the company's ability to invest in growth opportunities and maintain financial stability.

Negative Factors

Declining Revenue Growth

The decline in revenue growth suggests potential challenges in maintaining revenue levels, which could impact long-term profitability and market competitiveness.

Reduced Profit Margins

Reduced profit margins indicate pressure on profitability, which may affect the company's ability to sustain earnings growth and invest in future initiatives.

Revenue Generation Challenges

Ongoing challenges in revenue generation and profitability could hinder the company's ability to achieve sustainable growth and maintain competitive advantage.

Bank Of The Jame Financial Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Bank Of The Jame Financial generates revenue through various channels, primarily by earning interest on loans provided to customers, which constitutes a significant portion of its income. The bank charges interest on personal loans, mortgages, and business loans, creating a steady stream of interest income. Additionally, BOTJ generates fee-based income through account maintenance fees, ATM usage fees, and charges for specific banking services. Wealth management services, including investment advisory and asset management, also contribute to the bank's earnings through management fees and commissions. Strategic partnerships with fintech companies and other financial service providers enhance BOTJ's product offerings, enabling it to tap into new revenue streams and expand its customer base.

Bank Of The Jame Financial Financial Statement Overview

Summary

Bank Of The James Financial shows a stable financial position with strong equity and cash flow metrics. However, the declining revenue growth rate and reduced profit margins in the TTM period suggest potential challenges in revenue generation and profitability. The company maintains a low leverage profile, which is a positive indicator of financial health.

Income Statement

The income statement shows a mixed performance with a significant decline in revenue growth rate at -17.16% TTM, indicating potential challenges in maintaining revenue levels. However, the company maintains a positive net profit margin of 1.46% TTM, albeit lower than previous years. The EBIT and EBITDA margins are also positive, suggesting operational efficiency, but they have decreased compared to historical data.

Balance Sheet

The balance sheet reflects a strong equity position with a debt-to-equity ratio of 0.0 TTM, indicating no reliance on debt financing recently. Return on equity is healthy at 11.23% TTM, showing effective use of equity to generate profits. The equity ratio is robust, suggesting financial stability and low leverage risk.

Cash Flow

Cash flow analysis indicates a strong free cash flow growth rate of 31.10% TTM, highlighting improved cash generation. The free cash flow to net income ratio of 0.76 TTM suggests efficient conversion of income to cash. However, the operating cash flow to net income ratio is not available, limiting a full assessment of cash flow efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	90.06M	58.96M	51.42M	44.17M	39.29M	39.55M
Gross Profit	69.28M	44.21M	41.98M	42.92M	37.69M	32.46M
EBITDA	16.94M	11.86M	12.25M	13.72M	11.51M	8.21M
Net Income	10.33M	7.94M	8.70M	8.96M	7.59M	4.98M
Balance Sheet
Total Assets	1.02B	979.24M	969.37M	928.57M	987.63M	851.39M
Cash, Cash Equivalents and Short-Term Investments	0.00	38.67M	242.12M	215.81M	190.60M	121.87M
Total Debt	8.84M	19.35M	19.93M	20.49M	21.02M	10.03M
Total Liabilities	943.15M	914.38M	909.33M	878.35M	918.21M	784.65M
Stockholders Equity	76.97M	64.86M	60.04M	50.23M	69.43M	66.73M
Cash Flow
Free Cash Flow	34.50M	5.96M	7.92M	8.12M	13.44M	3.45M
Operating Cash Flow	33.68M	8.51M	9.49M	9.31M	16.35M	5.20M
Investing Cash Flow	-81.72M	-11.17M	-23.34M	-88.13M	-65.03M	-62.05M
Financing Cash Flow	15.62M	1.14M	26.92M	-42.57M	130.95M	118.63M

Bank Of The Jame Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.31
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 18.31 is above the 20-day moving average (MA) of 17.97, above the 50-day MA of 17.03, and above the 200-day MA of 14.87, indicating a bullish trend. The MACD of 0.39 indicates Positive momentum. The RSI at 55.93 is Neutral, neither overbought nor oversold. The STOCH value of 49.87 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	76 Outperform	$82.37M	10.51	10.86%	2.21%	6.17%	-6.13%
FUSB	71 Outperform	$77.56M	14.53	5.50%	2.08%	1.03%	-35.72%
UBCP	69 Neutral	$82.80M	10.89	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FNWB	59 Neutral	$92.73M	-11.75	-4.68%	2.86%	8.02%	21.36%
BYFC	47 Neutral	$55.08M	-20.81	0.22%	―	2.54%	-174.74%
SSBI	45 Neutral	$77.18M	-54.92	-1.41%	―	-0.81%	-129.22%

Bank Of The Jame Financial Corporate Events

Bank Of The James Announces Quarterly Dividend

On October 28, 2025, Bank of the James Financial Group announced a quarterly cash dividend of $0.10 per share, payable on December 5, 2025. The company reported record earnings for the third quarter of 2025, driven by loan growth, stable funding costs, and exceptional asset quality. The bank’s net interest income increased significantly, and interest expenses decreased due to strategic rate management and the retirement of capital notes. These results highlight the company’s strong financial performance and strategic focus on sustainable earnings, positively impacting shareholder value.

Bank of the James Announces Leadership Transition

On October 28, 2025, Bank of the James Financial Group announced a leadership transition effective January 1, 2026, with J. Todd Scruggs moving from Chief Financial Officer (CFO) to Chief Investment Officer (CIO), and Eric J. Sorenson, Jr., currently General Counsel, appointed as the new CFO. This change aims to enhance oversight and coordination of financial and investment strategies, with Scruggs focusing on investment portfolio management and Sorenson overseeing financial operations. The transition reflects the board’s confidence in both leaders and supports the company’s strategic goals of focused responsibilities, balanced skillsets, and strengthened governance.