Bank Of The Jame Financial (BOTJ) AI Stock Analysis

• Market Cap: $95.68M
• Dividend Yield: 2.18%
• Average Volume (3M): 3.60K
• Price to Earnings (P/E): 9.4
• 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): 0.60
• Shares Outstanding: 4,543,338
• 10 Day Avg. Volume: 5,719
• 30 Day Avg. Volume: 3,596
• PEG Ratio: 0.68
• Price to Book (P/B): 1.05
• Price to Sales (P/S): 1.35
• P/FCF Ratio: 8.04
• Enterprise Value/Market Cap: 0.80
• Enterprise Value/Revenue: 1.24
• Enterprise Value/Gross Profit: 1.60
• Enterprise Value/Ebitda: 6.17
• 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: 78 Outperform
• Price Target: $23.50 ▲(28.98% Upside)
• Action: Reiterated Date: 03/28/26
• Date: Action: Reiterated 03/28/26

The score is driven primarily by solid financial performance—especially improved leverage and capital strength—tempered by profitability (margin) compression and uneven historical cash-flow conversion. Technicals support the view with an ongoing uptrend and steady momentum, while valuation is a notable positive due to the low P/E and dividend yield; the recent dividend event provides a modest additional tailwind.

Positive Factors

Strong balance sheet / low leverage

Debt-to-equity falling to ~0.11 and equity rising to $80.0M with total assets ~$1.04B provide durable capital and loss-absorption capacity. Lower leverage reduces bankruptcy and regulatory risk, supports lending through cycles, and gives flexibility for growth or higher credit provisions without stressing capital ratios.

Negative Factors

Margin compression

A notable decline in net and EBIT margins from 2022 peaks indicates structural pressure on profitability, likely from funding cost increases or competitive pricing. Sustained margin squeeze reduces earnings power and ROE, forcing reliance on higher volumes, fee growth, or cost cuts to restore long-term profitability.

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 authoritie...

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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 authoritie...

How the Company Makes Money

BOTJ primarily makes money through (1) net interest income and (2) noninterest income, less operating expenses and credit costs. 1) Net interest income (core driver for community banks) - Interest earned on loans: The bank originates and holds va...

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BOTJ primarily makes money through (1) net interest income and (2) noninterest income, less operating expenses and credit costs. 1) Net interest income (core driver for community banks) - Interest earned on loans: The bank originates and holds va...

Bank Of The Jame Financial Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	62.51M	58.96M	51.42M	44.17M	39.29M
Gross Profit	48.69M	44.21M	41.98M	42.92M	37.69M
EBITDA	12.47M	11.86M	12.25M	13.72M	11.51M
Net Income	9.02M	7.94M	8.70M	8.96M	7.59M
Balance Sheet
Total Assets	1.04B	979.24M	969.37M	928.57M	987.63M
Cash, Cash Equivalents and Short-Term Investments	84.47M	38.67M	242.12M	215.81M	190.60M
Total Debt	8.80M	19.35M	19.93M	20.49M	21.02M
Total Liabilities	958.98M	914.38M	909.33M	878.35M	918.21M
Stockholders Equity	80.05M	64.86M	60.04M	50.23M	69.43M
Cash Flow
Free Cash Flow	10.49M	5.96M	7.92M	8.12M	13.44M
Operating Cash Flow	11.66M	8.51M	9.49M	9.31M	16.35M
Investing Cash Flow	-42.40M	-11.17M	-23.34M	-88.13M	-65.03M
Financing Cash Flow	41.90M	1.14M	26.92M	-42.57M	130.95M

Bank Of The Jame Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.22
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

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 18.22 is below the 20-day moving average (MA) of 20.64, below the 50-day MA of 20.22, and above the 200-day MA of 16.88, indicating a bullish trend. The MACD of 0.22 indicates Positive momentum. The RSI at 58.86 is Neutral, neither overbought nor oversold. The STOCH value of 86.10 is Negative, 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	78 Outperform	$95.68M	9.36	12.15%	2.18%	6.17%	-6.13%
SSBI	68 Neutral	$89.40M	11.51	6.89%	―	-0.81%	-129.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	66 Neutral	$88.08M	10.25	12.01%	6.51%	6.31%	-5.00%
FUSB	65 Neutral	$87.69M	13.56	5.80%	2.08%	1.03%	-35.72%
FNWB	46 Neutral	$89.02M	-21.37	-2.76%	2.88%	8.02%	21.36%
BYFC	44 Neutral	$68.17M	-2.57	-8.97%	―	2.54%	-174.74%

Bank Of The Jame Financial Corporate Events