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Bank of the James

BOTJ

16.900USD

-0.050-0.29%

Market hours （ET）Quotes delayed by 15 min

76.78MMarket Cap

9.70P/E TTM



Bank of the James

16.900

-0.050-0.29%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Bank of the James

Currency: USD Updated: 2025-11-05

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. The company is performing well in the stock market, with strong fundamentals and technicals supporting the current trend. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Bank of the James's Score

Industry at a Glance

Industry Ranking

200 / 407

Overall Ranking

320 / 4616

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.

Bank of the James 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 1.00, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 1.05M shares, decreasing 11.02% 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: 2025-11-05

The company's current financial score is 6.84, which is lower than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 12.09M, representing a year-over-year increase of 9.89%, while its net profit experienced a year-over-year increase of 38.29%.

Score

Industry at a Glance

Previous score

6.84

Change



Financials

6.52

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

7.04

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

6.22

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

5.41

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.01

Key Metrics

Free cash flow

No Data

Bank of the James's Company Valuation

Currency: USD Updated: 2025-11-05

The company’s current valuation score is 8.62, which is higher than the Banking Services industry's average of 7.67. Its current P/E ratio is 9.73, which is 6.07% below the recent high of 10.32 and 52.57% above the recent low of 4.61.

Score

Industry at a Glance

Previous score

8.62

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 200/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-05

There is no earnings forecast score for this company; the Banking Services industry's average is 7.41.

Score

Industry at a Glance

Previous score

0.00

Change

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: 2025-11-05

The company’s current price momentum score is 9.26, which is higher than the Banking Services industry's average of 7.66. Sideways: Currently, the stock price is trading between the resistance level at 18.15 and the support level at 15.10, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.15

Change

0.11

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(2)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.173

Buy

RSI(14)

66.212

Neutral

STOCH(KDJ)(9,3,3)

70.467

Sell

ATR(14)

0.581

Low Volatility

CCI(14)

108.982

Buy

Williams %R

17.996

Overbought

TRIX(12,20)

0.270

Sell

StochRSI(14)

39.674

Neutral

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

16.752

Buy

MA10

16.400

Buy

MA20

16.075

Buy

MA50

15.720

Buy

MA100

14.888

Buy

MA200

14.349

Buy

Institutional Confidence

Currency: USD Updated: 2025-11-05

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 23.13%, representing a quarter-over-quarter decrease of 39.67%. 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

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Pettyjohn, Wood & White, Inc.

257.06K

+0.01%

Fourthstone LLC

225.62K

+27.20%

The Vanguard Group, Inc.

Star Investors

192.59K

CAPTRUST Financial Advisors

143.48K

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)

75.62K

+3.45%

Geode Capital Management, L.L.C.

39.99K

+0.26%

Risk Assessment

Currency: USD Updated: 2025-11-05

The company’s current risk assessment score is 4.68, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.11. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.