Bank of the James Financial Group, Inc. (BOTJ)
Valuation Overview•Is Bank of the James Financial Group, Inc. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 71/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though profitability presents a headwind.
Wall Street sentiment is generally neutral. However, capital return yields remain modest, anchored by a strong, well-covered dividend yield.
BOTJ demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($20M) and minimal debt risk.
The company maintains stable top-line performance paired with stable bottom-line earnings. The company maintains healthy operational efficiency with a 16.2% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $11.8M | +6.0% | — | — | +10.0% | |
| EBITDA | -$247K | — | -3.1% | — | — | |
| Net Income | $2.8M | +13.6% | +0.2% | — | +9.3% | |
| EPS (Diluted) | $0.61 | +13.7% | +1.4% | +13.9% | +7.5% | |
| Free Cash Flow | $4.4M | +76.1% | +8.9% | +24.9% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 77.6% | 78.2% | 85.5% | 85.0% |
| Operating Margin | 16.2% | 18.2% | 20.8% | 19.7% |
| Net Margin | 18.5% | 14.9% | 16.9% | 15.2% |
| FCF Margin | 25.7% | 14.1% | 19.0% | 14.8% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.61 | — | ||
| Q1'26 | — | $0.60 | — | ||
| Q4'25 | — | $0.61 | — | ||
| Q3'25 | — | $0.60 | — | ||
| Q2'25 | — | $0.19 | — | ||
| Q1'25 | — | $0.36 | — | ||
| Q4'24 | — | $0.44 | — | ||
| Q3'24 | — | $0.47 | — |
Total return is +80.6% (1Y), outperforming the benchmark by +54.2%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +37.3% | +26.2% | — |
| 1Y | +80.6% | +54.2% | +2.8% |
| 3YCAGR | +41.0% | +21.3% | +12.6% |
| 5YCAGR | +8.2% | -3.8% | +11.0% |
| 10YCAGR | +9.8% | -4.0% | — |
The S&P 500 is at 31.4x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Bank of the James Financial Group, Inc. (BOTJ) valuation, health, and returns.
Based on peer relative multiples, Bank of the James Financial Group, Inc. appears Slightly cheap versus peers compared to industry peers.
Bank of the James Financial Group, Inc. has multiple valuation anchors: Peer Relative Fair Value: $27.93. A convergence of these signals offers higher conviction.
Bank of the James Financial Group, Inc. displays good financial health with a composite quality score of 71/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 9.7%.
Bank of the James Financial Group, Inc. pays a 1.6% dividend yield, covered by a 20% payout ratio with 0 years of growth, supplemented by a 0.0% buyback yield.
Bank of the James Financial Group, Inc.'s current growth trajectory is Accelerating. The company achieved +6.0% 1Y revenue growth and +13.7% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for Bank of the James Financial Group, Inc. include: -8.9% 1-year max drawdown. Volatility risk is characterized by a beta of 0.15x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.