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Bank Of The Jame Financial
(NASDAQ:BOTJ)
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Rating:79Outperform
Price Target:
$32.00
▲(18.83% Upside)
Action:Reiterated
Date:08/18/26
BOTJ scores well primarily on solid financial strength (profitability and a conservative balance sheet) and strong technical uptrend. Reasonable valuation and positive recent company updates add support, while uneven cash-flow and margin consistency remain the key risk tempering the score.
Positive Factors
Revenue growth and profitability rebound
Sustained historical revenue expansion and a recent margin rebound indicate improving earnings capacity. Higher bottom-line conversion can strengthen internal capital generation, although the uneven path means profitability should continue to be monitored.
Negative Factors
Volatile free cash flow
Although recent free cash flow broadly supports reported earnings, its historical volatility and negative TTM growth reduce confidence in consistent cash generation. Uncertainty in operating cash flow coverage could constrain flexibility during weaker banking or credit conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth and profitability rebound
Sustained historical revenue expansion and a recent margin rebound indicate improving earnings capacity. Higher bottom-line conversion can strengthen internal capital generation, although the uneven path means profitability should continue to be monitored.
Read all positive factors
Bank Of The Jame Financial (BOTJ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$126.17M
Dividend Yield1.44%
Average Volume (3M)3.60K
Price to Earnings (P/E)11.0
Beta (1Y)0.22
Revenue Growth6.20%
EPS Growth60.60%
CountryUS
Employees169
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.53
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
Bank Of The Jame Financial Business Overview & Revenue Model
Company Description
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 associati...
How the Company Makes Money
BOTJ primarily makes money through its banking subsidiary by earning net interest income and generating fee-based (noninterest) income. Net interest income is driven by the spread between interest earned on loans and other interest-earning assets ...
Bank Of The Jame Financial Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.67M | 62.51M | 58.96M | 51.42M | 44.17M | 39.29M |
| Gross Profit | 46.87M | 48.69M | 44.21M | 41.98M | 42.92M | 37.69M |
| EBITDA | 11.15M | 12.47M | 11.86M | 12.25M | 13.72M | 11.51M |
| Net Income | 11.49M | 9.02M | 7.94M | 8.70M | 8.96M | 7.59M |
Balance Sheet | ||||||
| Total Assets | 1.04B | 1.04B | 979.24M | 969.37M | 928.57M | 987.63M |
| Cash, Cash Equivalents and Short-Term Investments | 261.51M | 84.47M | 38.67M | 242.12M | 215.81M | 190.60M |
| Total Debt | 8.67M | 8.80M | 19.35M | 19.93M | 20.49M | 21.02M |
| Total Liabilities | 958.15M | 958.98M | 914.38M | 909.33M | 878.35M | 918.21M |
| Stockholders Equity | 83.15M | 80.05M | 64.86M | 60.04M | 50.23M | 69.43M |
Cash Flow | ||||||
| Free Cash Flow | 12.73M | 10.49M | 5.96M | 7.92M | 8.12M | 13.44M |
| Operating Cash Flow | 12.62M | 11.66M | 8.51M | 9.49M | 9.31M | 16.35M |
| Investing Cash Flow | -77.04M | -42.40M | -11.17M | -23.34M | -88.13M | -65.03M |
| Financing Cash Flow | 22.06M | 41.90M | 1.14M | 26.92M | -42.57M | 130.95M |
Bank Of The Jame Financial Technical Analysis
Positive
26.93
Price Trends
25.87
Positive
24.14
Positive
21.35
Positive
Market Momentum
0.49
Positive
69.20
Neutral
58.75
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOTJ, the sentiment is Positive. The current price of 26.93 is below the 20-day moving average (MA) of 27.18, above the 50-day MA of 25.87, and above the 200-day MA of 21.35, indicating a bullish trend. The MACD of 0.49 indicates Positive momentum. The RSI at 69.20 is Neutral, neither overbought nor oversold. The STOCH value of 58.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BOTJ.
Bank Of The Jame Financial Risk Analysis
Bank Of The Jame Financial disclosed 46 risk factors in its most recent earnings report. Bank Of The Jame Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Bank Of The Jame Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $126.17M | 10.98 | 6.81% | 1.49% | 6.20% | 60.60% | |
68 Neutral | $90.61M | 12.19 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $88.61M | 10.88 | 15.90% | 5.92% | 6.21% | 8.32% | |
53 Neutral | $87.49M | 38.00 | 2.22% | ― | -6.91% | ― | |
51 Neutral | $110.46M | -4.39 | -7.74% | ― | 10.60% | -935.88% | |
46 Neutral | $109.48M | 71.62 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
BOTJ
Bank Of The Jame Financial
27.73
14.04
102.56%
BYFC
Broadway Financial
11.56
4.17
56.43%
SSBI
Summit State Bank
12.92
1.08
9.12%
UBCP
United Bancorp
15.28
1.89
14.09%
FUSB
First US Bancshares
16.49
5.05
44.14%
FNWB
First Northwest Bancorp
11.40
3.22
39.36%
Bank Of The Jame Financial Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Bank Of The James Financial Declares Quarterly Cash Dividend
Positive
Jul 30, 2026
Bank of the James Financial Group, Inc. reported strong second-quarter and first-half 2026 financial results, highlighted by record net income and improved profitability metrics. For the quarter ended June 30, 2026, net income rose to $3.24 millio...
Executive/Board ChangesShareholder Meetings
Bank of the James shareholders approve directors and auditors
Positive
May 20, 2026
On May 19, 2026, Bank of the James Financial Group, Inc. held its annual meeting of shareholders, with approximately 78.65% of the 4,543,338 eligible common shares represented in person or by proxy. Shareholders elected four Group Two directors...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.