Bank Of The Jame Financial (BOTJ) AI Stock Analysis

• Market Cap: $77.28M
• Dividend Yield: 2.22%
• Average Volume (3M): 3.60K
• Price to Earnings (P/E): 9.8
• Beta (1Y): 0.21
• 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: 0.66
• Enterprise Value/Revenue: 1.14
• Enterprise Value/Gross Profit: 1.48
• Enterprise Value/Ebitda: 6.23
• 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: 75 Outperform
• Price Target: $19.00 ▲(5.32% Upside)

The overall stock score reflects a strong valuation with a low P/E ratio and attractive dividend yield, combined with positive technical indicators suggesting upward price momentum. Financial performance is stable, but challenges in revenue growth and profit margins are noted. The absence of earnings call and corporate events data limits further insights.

Positive Factors

Strong Equity Position

A strong equity position with no reliance on debt financing enhances financial stability and reduces leverage risk, supporting long-term growth.

Cash Flow Growth

Improved cash generation through strong free cash flow growth supports operational flexibility and potential reinvestment in the business.

Low Leverage Profile

A low leverage profile reduces financial risk and enhances the company's ability to navigate economic fluctuations, ensuring long-term resilience.

Negative Factors

Declining Revenue Growth

A decline in revenue growth suggests challenges in maintaining market share and competitiveness, potentially impacting future profitability.

Reduced Profit Margins

Reduced profit margins indicate pressure on profitability, which may limit the company's ability to invest in growth and innovation over time.

Earnings Call Data Absence

The absence of earnings call data limits transparency and investor insight into management's strategic direction and operational performance.

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 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	45.03M	58.96M	51.42M	44.17M	39.29M	39.55M
Gross Profit	34.64M	44.21M	41.98M	42.92M	37.69M	32.46M
EBITDA	8.23M	11.86M	12.25M	13.72M	11.51M	8.21M
Net Income	5.16M	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	11.23M	5.96M	7.92M	8.12M	13.44M	3.45M
Operating Cash Flow	11.57M	8.51M	9.49M	9.31M	16.35M	5.20M
Investing Cash Flow	-34.59M	-11.17M	-23.34M	-88.13M	-65.03M	-62.05M
Financing Cash Flow	-738.00K	1.14M	26.92M	-42.57M	130.95M	118.63M

Bank Of The Jame Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.04
• 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 18.04 is above the 20-day moving average (MA) of 17.08, above the 50-day MA of 16.25, and above the 200-day MA of 14.47, indicating a bullish trend. The MACD of 0.43 indicates Negative momentum. The RSI at 66.74 is Neutral, neither overbought nor oversold. The STOCH value of 58.86 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	$77.28M	9.76	10.86%	2.22%	6.17%	-6.13%
FUSB	70 Outperform	$74.36M	13.91	5.50%	2.04%	1.03%	-35.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	62 Neutral	$73.62M	10.03	10.91%	7.03%	6.31%	-5.00%
FNWB	51 Neutral	$92.73M	-12.16	-4.68%	2.83%	8.02%	21.36%
BYFC	48 Neutral	$57.93M	-22.22	0.22%	―	2.54%	-174.74%
SSBI	45 Neutral	$72.44M	-51.32	-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.

The most recent analyst rating on (BOTJ) stock is a Buy with a $17.50 price target. To see the full list of analyst forecasts on Bank Of The Jame Financial stock, see the BOTJ Stock Forecast page.

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.

The most recent analyst rating on (BOTJ) stock is a Buy with a $17.50 price target. To see the full list of analyst forecasts on Bank Of The Jame Financial stock, see the BOTJ Stock Forecast page.

Bank Of The James Financial Modifies Promissory Note Agreement

On August 18, 2025, Bank of the James Financial Group, Inc. entered into a Second Note Modification Agreement with The National Bank of Blacksburg, effective September 1, 2025, concerning a Secured Promissory Note originally issued in December 2021. The agreement extends the maturity date to August 31, 2030, adjusts the interest rate to 5.65%, and modifies the repayment schedule to 240 monthly installments of approximately $61,000, with a final balloon payment of $7.4 million. This modification aims to improve the company’s financial flexibility and manage its debt obligations effectively, impacting its operational strategy and stakeholder interests.

The most recent analyst rating on (BOTJ) stock is a Buy with a $15.50 price target. To see the full list of analyst forecasts on Bank Of The Jame Financial stock, see the BOTJ Stock Forecast page.