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Bank of the james financial group, inc.BOTJ.US Overview

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BOTJ Recent Performance

-1.11%

Bank of the james financial group, inc.

1.79%

Avg of Sector

-0.31%

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BOTJ Key Information

BOTJ Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

BOTJ Profile

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.

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BOTJ FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

BOTJ Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.99
PE Ratio (TTM)
10.01
Forward PE
-
PS Ratio (TTM)
1.86
PB Ratio
1.17
Price-to-FCF
9.73
METRIC
VALUE
vs. INDUSTRY
Gross Margin
92.87%
Net Margin
17.20%
Revenue Growth (YoY)
16.45%
Profit Growth (YoY)
8.14%
3-Year Revenue Growth
14.04%
3-Year Profit Growth
4.58%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.99
PE Ratio (TTM)
10.01
Forward PE
-
PS Ratio (TTM)
1.86
PB Ratio
1.17
Price-to-FCF
9.73
Gross Margin
92.87%
Net Margin
17.20%
Revenue Growth (YoY)
16.45%
Profit Growth (YoY)
8.14%
3-Year Revenue Growth
14.04%
3-Year Profit Growth
4.58%

  • When is BOTJ's latest earnings report released?

    The most recent financial report for Bank of the james financial group, inc. (BOTJ) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating BOTJ's short-term business performance and financial health. For the latest updates on BOTJ's earnings releases, visit this page regularly.

  • Where does BOTJ fall in the P/E River chart?

    According to historical valuation range analysis, Bank of the james financial group, inc. (BOTJ)'s current price-to-earnings (P/E) ratio is 7.75, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of BOTJ?

    According to the latest financial report, Bank of the james financial group, inc. (BOTJ) reported an Operating Profit of 4.37M with an Operating Margin of 26.75% this period, representing a growth of 16.13% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is BOTJ's revenue growth?

    In the latest financial report, Bank of the james financial group, inc. (BOTJ) announced revenue of 16.34M, with a Year-Over-Year growth rate of 41.16%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does BOTJ have?

    At the end of the period, Bank of the james financial group, inc. (BOTJ) held Total Cash and Cash Equivalents of 84.48M, accounting for 0.08 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Is BOTJ's EPS continuing to grow?

    According to the past four quarterly reports, Bank of the james financial group, inc. (BOTJ)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.6. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of BOTJ?

    Bank of the james financial group, inc. (BOTJ)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of BOTJ?

    The latest valuation data shows Bank of the james financial group, inc. (BOTJ) has a Price-To-Earnings (PE) ratio of 7.75 and a Price/Earnings-To-Growth (PEG) ratio of -4.73. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.