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Bank of the James

BOTJ

15.400USD

-0.140-0.90%
Close 09/19, 16:00ETQuotes delayed by 15 min
69.97MMarket Cap
9.78P/E TTM

Bank of the James

15.400

-0.140-0.90%

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Despite a weak stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking
186 / 400
Overall Ranking
359 / 4720
Industry
Banking Services

Support & Resistance

No Data

Score Analysis

Current score
Previous score

Analyst Rating

Based on 0 analysts
--
Current Rating
--
Target Price
--
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks
Bank of the James (the Bank) is a full-service commercial and retail bank. The Bank is a wholly owned subsidiary of Bank of the James Financial Group, Inc. The Bank is engaged in a general retail and commercial banking business. The Bank’s services include personal, business and online banking, loans, and investments. The Bank serves individuals, small and medium-sized businesses, and professionals of the Central Virginia area from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Roanoke, Rustburg, and Wytheville. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. It also provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James.
Growing
The company is in a growing phase, with the latest annual income totaling USD 43.04M.
High Dividend
The company is a high dividend payer, with the latest dividend payout ratio of 22.89%.
Stable Dividend
The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 22.89%.
Overvalued
The company’s latest PB is 0.98, at a high 3-year percentile range.
Institutional Selling
The latest institutional holdings are 1.74M shares, decreasing 7.06% quarter-over-quarter.
Held by The Vanguard
Star Investor The Vanguard holds 192.59K shares of this stock.
Lower Market Activity
The company has less investor interest, with a 20-day turnover ratio of -0.12.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 6.84, which is lower than the Banking Services industry's average of 7.06. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 11.92M, representing a year-over-year increase of 14.75%, while its net profit experienced a year-over-year increase of 25.88%.

Score

Industry at a Glance

Previous score
6.84
Change
0

Financials

6.52

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data

Quality of Earnings

7.04

Operational Efficiency

6.22

Growth Potential

5.41

Shareholder Returns

9.01

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 9.87, which is -25.52% below the recent high of 7.35 and 42.94% above the recent low of 5.63.

Score

Industry at a Glance

Previous score
1.20
Change
0

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 186/400
No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

There is no earnings forecast score for this company; the Banking Services industry's average is 7.39.

Score

Industry at a Glance

Previous score
0.00
Change
0

Support & Resistance

No Data
No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-19

The company’s current price momentum score is 9.24, which is higher than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 16.11 and the support level at 14.63, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
9.24
Change
-0.17

Support & Resistance

No Data

Indicators

The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators
Sell(2)
Neutral(3)
Buy(1)
Indicators
Value
Direction
MACD(12,26,9)
-0.092
Neutral
RSI(14)
56.319
Neutral
STOCH(KDJ)(9,3,3)
83.791
Overbought
ATR(14)
0.347
High Vlolatility
CCI(14)
22.604
Neutral
Williams %R
24.936
Buy
TRIX(12,20)
0.281
Sell
StochRSI(14)
42.150
Sell
Moving Average
Sell(1)
Neutral(0)
Buy(5)
Indicators
Value
Direction
MA5
15.418
Sell
MA10
15.357
Buy
MA20
15.384
Buy
MA50
14.533
Buy
MA100
14.320
Buy
MA200
14.190
Buy

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 38.34%, representing a quarter-over-quarter increase of 0.65%. The largest institutional shareholder is The Vanguard, holding a total of 192.59K shares, representing 4.24% of shares outstanding, with 0.00% increase in holdings.

Score

Industry at a Glance

Previous score
3.00
Change
0

Institutional Shareholding

No Data

Shareholder Activity

Name
Shares Held
Chg %
Pettyjohn, Wood & White, Inc.
257.05K
-1.87%
Fourthstone LLC
177.37K
+10.14%
The Vanguard Group, Inc.
Star Investors
192.59K
--
CAPTRUST Financial Advisors
143.48K
-1.48%
Daly (James F)
128.23K
--
Foster (Watt R Jr.)
125.91K
--
Chapman (Robert R III)
122.89K
+2.36%
Langley (Lydia K)
101.37K
+1.29%
Bryant (William C III)
73.09K
+10.96%
Geode Capital Management, L.L.C.
39.89K
+4.11%
1
2

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 5.42, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 0.29. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.

Score

Industry at a Glance

Previous score
5.42
Change
0
Beta vs S&P 500 index
0.29
VaR
+3.12%
240-Day Maximum Drawdown
+27.84%
240-Day Volatility
+46.40%
Return
Best Daily Return
60 days
+3.67%
120 days
+10.53%
5 years
+145.25%
Worst Daily Return
60 days
-3.95%
120 days
-5.03%
5 years
-58.63%
Sharpe Ratio
60 days
+1.70
120 days
+1.26
5 years
+0.68
Risk Assessment
Maximum Drawdown
240 days
+27.84%
3 years
+34.44%
5 years
+100.00%
Return-to-Drawdown Ratio
240 days
+0.50
3 years
+0.31
5 years
+0.08
Skewness
240 days
+14.29
3 years
+12.69
5 years
+12.02
Volatility
Realised Volatility
240 days
+46.40%
5 years
--
Standardised True Range
240 days
+2.97%
5 years
+2.87%
Downside Risk-Adjusted Return
120 days
+195.05%
240 days
+195.05%
Maximum Daily Upside Volatility
60 days
+28.88%
Maximum Daily Downside Volatility
60 days
+32.17%
Liquidity
Average Turnover Rate
60 days
+0.14%
120 days
+0.12%
5 years
--
Turnover Deviation
20 days
-11.91%
60 days
+21.74%
120 days
-0.28%

Peer Comparison

Banking Services
Bank of the James
Bank of the James
BOTJ
4.55 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Enova International Inc
Enova International Inc
ENVA
7.58 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Dime Community Bancshares Inc
Dime Community Bancshares Inc
DCOM
7.49 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
East West Bancorp Inc
EWBC
7.43 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
GATX Corp
GATX Corp
GATX
7.43 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
UMB Financial Corp
UMB Financial Corp
UMBF
7.41 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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