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Bank of the James Financial Group, Inc.(BOTJ)Earnings, Financials & Key Ratios
BOTJ•NASDAQ•Banking & Credit
$25.25
12.7× P/E·Price updated Jul 7, 2026
AboutBank 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.Show more
- Net Interest Income$33M+12.6%
- Total Revenue$63M+6.0%
- Net Income$9M+13.6%
- Return on Equity12.45%-2.1%
- Net Interest Margin3.16%+6.1%
- Efficiency Ratio60.07%+3.3%
- ROA0.89%+9.7%
- Equity / Assets7.7%+16.3%
- Book Value per Share17.62+23.4%
BOTJ Price & Volume
Bank of the James Financial Group, Inc. (BOTJ) stock price & volume — 10-year historical chart
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Securities Portfolio Growth Offsets Margin Stagnation
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Geographic concentration in Lynchburg
Key Thesis Takeaways
- Bank of the James Financial Group demonstrates steady asset expansion to $1.1 billion as of 2026Q1, though growth is increasingly reliant on a $900.3 million securities portfolio rather than core lending.
- While net interest income grew 13.3% year-over-year, the persistent 0.8% net interest margin and a recent spike in the efficiency ratio to 77.8% suggest significant operational headwinds.
- Investors should monitor the bank's geographic concentration in the Lynchburg MSA and the potential duration risk inherent in its heavy securities allocation.
Verdict Logic
while the bank maintains a stable equity-to-assets ratio of 0.08, the recent surge in the efficiency ratio to 77.8% and stagnant 0.8% net interest margin warrant a cautious wait-and-see approach.
BOTJ Growth Metrics
Bank of the James Financial Group, Inc. (BOTJ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.96%
5 Years9.59%
3 Years12.27%
TTM-
Profit CAGR
10 Years9.35%
5 Years12.62%
3 Years0.23%
TTM66%
EPS CAGR
10 Years7.45%
5 Years13.86%
3 Years1.38%
TTM65.75%
Return on Capital
10 Years9.41%
5 Years9.41%
3 Years8.21%
Last Year1.96%
BOTJ Recent Earnings
Bank of the James Financial Group, Inc. (BOTJ) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.61
—
Rev
$12M
—
Q1 2026
Feb 4, 2026Metric
Actual
Est
EPS
$0.60
—
Rev
$16M
—
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.61
—
Rev
—
—
Q3 2025
Aug 4, 2025Metric
Actual
Est
EPS
$0.60
—
Rev
$15M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.61 | $12M |
| Q1 2026 | Feb 4, 2026 | $0.60 | $16M |
| Q4 2025 | Oct 30, 2025 | $0.61 | — |
| Q3 2025 | Aug 4, 2025 | $0.60 | $15M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Bank of the James Financial Group, Inc. (BOTJ)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.25 | $114.72M | 12.69 | 6.01% | 14.43% | 12.45% | 1.58% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $36.20 | $230.54M | 14.54 | 7.88% | 20.41% | 9.76% | — | |
| $32.32 | $718.22M | 23.09 | 6.24% | 33.81% | 24.82% | — | |
| $29.30 | $264.9M | 14.95 | 27.11% | 18.05% | 11.51% | — |
Compare BOTJ vs Peers
Bank of the James Financial Group, Inc. (BOTJ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BOTJ SEC Filings & Documents
Bank of the James Financial Group, Inc. (BOTJ) SEC filings — annual & quarterly reports (10-K, 10-Q)
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BOTJ Frequently Asked Questions
Bank of the James Financial Group, Inc. (BOTJ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Bank of the James Financial Group, Inc. growing?
Bank of the James Financial Group, Inc. (BOTJ) grew revenue by 6.0% over the past year. This is steady growth.
Is BOTJ profitable?
Yes, Bank of the James Financial Group, Inc. (BOTJ) is profitable, generating $11.0M in net income for fiscal year 2025 (14.4% net margin).
Dividend & Returns
Does BOTJ pay dividends?
Yes, Bank of the James Financial Group, Inc. (BOTJ) pays a dividend with a yield of 1.58%. This makes it attractive for income-focused investors.
What is BOTJ's return on equity?
Bank of the James Financial Group, Inc. (BOTJ) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.
Industry Metrics
What is Bank of the James Financial Group, Inc.'s net interest margin?
Bank of the James Financial Group, Inc. (BOTJ) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Bank of the James Financial Group, Inc.'s efficiency ratio?
Bank of the James Financial Group, Inc. (BOTJ) has an efficiency ratio of 60.1%. This is reasonable for a bank.