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BOTJ Stock Chart & Stats
$18.22
-$1.91(-12.31%)
At close: 4:00 PM EST
$18.22
-$1.91(-12.31%)
Day’s Range― - ―
52-Week Range$13.06 - $29.79
Previous CloseN/A
Volume13.64K
Average Volume (3M)3.60K
Market Cap
$121.31M
Enterprise Value$77.22
Total Cash (Recent Filing)$30.25M
Total Debt (Recent Filing)$8.73M
Price to Earnings (P/E)11.0
Beta0.19
Next Earnings
Oct 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.5%
Share Statistics
EPS (TTM)2.42
Shares Outstanding4,543,338
10 Day Avg. Volume5,719
30 Day Avg. Volume3,596
Financial Highlights & Ratios
PEG Ratio0.68
Price to Book (P/B)1.05
Price to Sales (P/S)1.35
P/FCF Ratio8.04
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative, Improving LeverageA materially lower debt-to-equity ratio and steady equity growth give the bank durable balance-sheet flexibility. This reduces insolvency risk, supports lending capacity and cushions against credit losses, enabling steady capital returns and strategic investments over the next 2–6 months.
Strengthening Cash Generation And FCFRising operating cash flow and a large increase in free cash flow improve the company's internal funding ability. Strong cash conversion supports dividend payments, loan growth funding and expense investment without relying on external capital, boosting durable financial resilience.
Low Credit Losses And Growing Fee BusinessesVery low NPLs with healthy reserve coverage plus rising mortgage and wealth-management fees diversify earnings away from pure interest spread. Strong credit metrics reduce loss provisioning risk while fee growth provides more stable, recurring noninterest income over coming quarters.
Bears Say
Recent Revenue Decline (TTM)A trailing‑12‑month revenue decline signals durable top-line pressure that could persist if commercial or consumer activity softens. Slower revenue growth constrains the firm's ability to scale revenues to cover fixed costs, potentially limiting margin and return improvements.
Margins And Returns Below Prior PeaksAlthough profitability is healthy, returns remain below earlier highs. Persistent margin compression versus peak years could reflect competitive pressure or a less favorable asset mix, limiting long‑term earnings expansion and reducing the pace of capital build.
Volatility In Cash-flow MetricsHistoric swings in free cash flow and an inconsistent operating cash flow coverage metric reduce predictability of internal funding. Variability makes dividend sustainability and capital planning more uncertain, increasing risk if credit or interest conditions shift.
Bank Of The Jame Financial News
BOTJ FAQ
What was Bank Of The Jame Financial’s price range in the past 12 months?
Bank Of The Jame Financial lowest stock price was $13.06 and its highest was $29.79 in the past 12 months.
What is Bank Of The Jame Financial’s market cap?
Bank Of The Jame Financial’s market cap is $121.31M.
When is Bank Of The Jame Financial’s upcoming earnings report date?
Bank Of The Jame Financial’s upcoming earnings report date is Oct 16, 2026 which is in 86 days.
How were Bank Of The Jame Financial’s earnings last quarter?
Currently, no data Available
Is Bank Of The Jame Financial overvalued?
According to Wall Street analysts Bank Of The Jame Financial’s price is currently Overvalued.
Does Bank Of The Jame Financial pay dividends?
Bank Of The Jame Financial pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 1.5%. See more information on Bank Of The Jame Financial dividends here
What is Bank Of The Jame Financial’s EPS estimate?
Bank Of The Jame Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Bank Of The Jame Financial have?
Bank Of The Jame Financial has 4,543,338 shares outstanding.
What happened to Bank Of The Jame Financial’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Bank Of The Jame Financial?
Currently, no hedge funds are holding shares in BOTJ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Bank Of The Jame Financial Stock Smart Score
Neutral
1
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3
4
5
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7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
18.42%
12-Months-Change
Fundamentals
Return on Equity
1.50%
Trailing 12-Months
Asset Growth
4.89%
Trailing 12-Months
Company Description
Bank Of The Jame Financial
Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.
Technical Analysis
Broadway Financial
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Summit State Bank
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United Bancorp
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First US Bancshares
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First Northwest Bancorp
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Ownership Overview
6.39% Insiders
5.29% Mutual Funds
19.33% Other Institutional Investors
64.45% Public Companies and
Individual Investors