Bank Of The Jame Financial (BOTJ)
NASDAQ:BOTJ
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Bank Of The Jame Financial
(NASDAQ:BOTJ)
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Rating:77Outperform
Price Target:
$26.00
▲(42.70% Upside)
Action:Reiterated
Date:05/21/26
BOTJ scores well primarily on strong financial health (improving leverage and strengthening cash generation) and attractive valuation (low P/E plus dividend). Offsetting this is only moderate technical setup with short-term weakness despite a better longer-term trend; corporate updates are broadly positive and add support.
Positive Factors
Improving leverage
A sharply lower debt-to-equity ratio materially strengthens capital flexibility, letting management support dividends, absorb credit losses, and finance measured loan or branch expansion without raising costly external capital. That reduces solvency risk and supports steady operations over months.
Negative Factors
Top-line softness (TTM)
A TTM revenue decline signals pressure on growth that can persist if lending volumes or fee generation cool. Sustained top-line weakness constrains reinvestment, limits margin recovery, and pressures ROE over several quarters unless offset by renewed loan growth or higher fee traction.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage
A sharply lower debt-to-equity ratio materially strengthens capital flexibility, letting management support dividends, absorb credit losses, and finance measured loan or branch expansion without raising costly external capital. That reduces solvency risk and supports steady operations over months.
Read all positive factors
Bank Of The Jame Financial (BOTJ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$103.36M
Dividend Yield2.18%
Average Volume (3M)3.60K
Price to Earnings (P/E)8.4
Beta (1Y)0.18
Revenue Growth5.49%
EPS Growth66.01%
CountryUS
Employees162
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap0.84
Enterprise Value/Revenue1.47
Enterprise Value/Gross Profit1.89
Enterprise Value/Ebitda8.11
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
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...
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...
Bank Of The Jame Financial Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
81
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 59.36M | 62.51M | 58.96M | 51.42M | 44.17M | 39.29M |
| Gross Profit | 46.08M | 48.69M | 44.21M | 41.98M | 42.92M | 37.69M |
| EBITDA | 10.72M | 12.47M | 11.86M | 12.25M | 13.72M | 11.51M |
| Net Income | 10.95M | 9.02M | 7.94M | 8.70M | 8.96M | 7.59M |
Balance Sheet | ||||||
| Total Assets | 1.06B | 1.04B | 979.24M | 969.37M | 928.57M | 987.63M |
| Cash, Cash Equivalents and Short-Term Investments | 30.25M | 84.47M | 38.67M | 242.12M | 215.81M | 190.60M |
| Total Debt | 8.73M | 8.80M | 19.35M | 19.93M | 20.49M | 21.02M |
| Total Liabilities | 979.90M | 958.98M | 914.38M | 909.33M | 878.35M | 918.21M |
| Stockholders Equity | 81.28M | 80.05M | 64.86M | 60.04M | 50.23M | 69.43M |
Cash Flow | ||||||
| Free Cash Flow | 14.51M | 10.49M | 5.96M | 7.92M | 8.12M | 13.44M |
| Operating Cash Flow | 15.64M | 11.66M | 8.51M | 9.49M | 9.31M | 16.35M |
| Investing Cash Flow | -54.74M | -42.40M | -11.17M | -23.34M | -88.13M | -65.03M |
| Financing Cash Flow | 32.13M | 41.90M | 1.14M | 26.92M | -42.57M | 130.95M |
Bank Of The Jame Financial Technical Analysis
Neutral
18.22
Price Trends
22.14
Positive
20.72
Positive
18.37
Positive
Market Momentum
0.15
Positive
51.44
Neutral
20.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOTJ, the sentiment is Neutral. The current price of 18.22 is below the 20-day moving average (MA) of 22.98, below the 50-day MA of 22.14, and below the 200-day MA of 18.37, indicating a neutral trend. The MACD of 0.15 indicates Positive momentum. The RSI at 51.44 is Neutral, neither overbought nor oversold. The STOCH value of 20.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $103.36M | 8.43 | 14.13% | 2.18% | 5.49% | 66.01% | |
72 Outperform | $88.52M | 11.25 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $90.53M | 13.45 | 5.95% | ― | -5.51% | ― | |
63 Neutral | $84.23M | 10.94 | 11.80% | 6.51% | 7.19% | 9.14% | |
54 Neutral | $89.91M | 10.02 | -7.66% | ― | 2.16% | -1083.24% | |
48 Neutral | $91.19M | 3,217.02 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
BOTJ
Bank Of The Jame Financial
22.75
8.84
63.56%
BYFC
Broadway Financial
9.69
3.53
57.31%
SSBI
Summit State Bank
13.56
3.77
38.51%
UBCP
United Bancorp
14.57
1.80
14.08%
FUSB
First US Bancshares
15.90
3.11
24.35%
FNWB
First Northwest Bancorp
9.60
0.34
3.67%
Bank Of The Jame Financial Corporate Events
Executive/Board ChangesShareholder Meetings
Bank of the James shareholders approve directors and auditors
Positive
May 20, 2026
On May 19, 2026, Bank of the James Financial Group, Inc. held its annual meeting of shareholders, with approximately 78.65% of the 4,543,338 eligible common shares represented in person or by proxy. Shareholders elected four Group Two directors...
Business Operations and StrategyDividendsFinancial Disclosures
Bank of the James Posts Record Q1 Results, Dividend
Positive
Apr 30, 2026
Bank of the James Financial Group reported that for the quarter ended March 31, 2026, net income surged to $2.77 million, or $0.61 per share, from $842,000, or $0.19 per share, a year earlier, driven by higher net interest income, stronger noninte...
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.