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Bank of the James

BOTJ

20.450USD

-0.540-2.57%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

92.91MMarket Cap

10.30P/E TTM

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Bank of the James

20.450

-0.540-2.57%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-02-06

Key Insights

Bank of the James's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is significant.Its valuation is considered fairly valued, ranking 203 out of 397 in the Banking Services industry.Institutional ownership is very high.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its strong fundamentals and technicals.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

203 / 397

Overall Ranking

333 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

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 provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. The Bank offers a full range of short- to medium-term commercial and consumer loans. The Bank services customers in Virginia from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Buchanan, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Nellysford, Roanoke, Rustburg, and Wytheville.

Growing

The company is in a growing phase, with the latest annual income totaling USD 47.16M.

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 1.21, at a high 3-year percentile range.

Held by The Vanguard

Star Investor The Vanguard holds 185.15K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of -0.12.

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.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Bank of the James is 6.84, ranking 240 out of 397 in the Banking Services industry. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 12.49M, representing a year-over-year increase of 11.60%, while its net profit experienced a year-over-year increase of 68.29%.

Score

Industry at a Glance

Previous score

7.21

Change

-0.37



Financials

6.52

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

7.04

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

6.22

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

5.41

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

9.01

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Bank of the James's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Bank of the James is 8.62, ranking 73 out of 397 in the Banking Services industry. Its current P/E ratio is 10.30, which is 11.63% below the recent high of 11.50 and 55.19% 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 203/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

No earnings forecast score is currently available for Bank of the James. The Banking Services industry's average is 7.33.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

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: 2026-02-06

The current price momentum score of Bank of the James is 9.31, ranking 142 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 22.18 and the support level at 18.03, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.68

Change

-0.37

Support & Resistance

Relevant data have not been disclosed by the company yet.

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(1)

Buy(4)

Indicators

Value

Direction

MACD(12,26,9)

0.470

Buy

RSI(14)

71.212

Buy

STOCH(KDJ)(9,3,3)

80.120

Neutral

ATR(14)

0.709

High Vlolatility

CCI(14)

119.961

Buy

Williams %R

25.060

Buy

TRIX(12,20)

0.361

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

20.386

Buy

MA10

19.532

Buy

MA20

18.884

Buy

MA50

18.444

Buy

MA100

17.300

Buy

MA200

15.777

Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Bank of the James is 3.00, ranking 252 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 26.40%, representing a quarter-over-quarter decrease of 2.53%. The largest institutional shareholder is The Vanguard, holding a total of 185.15K shares, representing 4.08% of shares outstanding, with 3.86% decrease in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

Fourthstone LLC

291.78K

+29.33%

Pettyjohn, Wood & White, Inc.

255.97K

-0.42%

The Vanguard Group, Inc.

Star Investors

185.15K

-3.86%

CAPTRUST Financial Advisors

143.09K

-0.27%

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)

75.68K

+0.08%

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Bank of the James is 4.26, ranking 339 out of 397 in the Banking Services industry. 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. with an industry-leading ESG disclosure.