Bank of the James Financial Group, Inc.
General ticker "BOTJ" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $91.4M (TTM average)
Bank of the James Financial Group, Inc. follows the US Stock Market performance with the rate: 47.5%.
Estimated limits based on current volatility of 0.8%: low 26.71$, high 27.13$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-08-21, amount 0.10$ (Y1.49%)
- Total employees count: 162 (0.0%) as of 2025
- Top business risk factors: Economic downturns and volatility, Small business lending, Market competition, Regulatory and compliance, Cybersecurity threats
- Current price 23.6% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [15.75$, 21.71$]
- 2026-12-31 to 2027-12-31 estimated range: [16.10$, 22.48$]
Financial Metrics affecting the BOTJ estimates:
- Positive: with PPE of 9.2 at the end of fiscal year the price was neutral
- Positive: 22.58 < Operating profit margin, % of 22.87
- Positive: 11.37 < Operating cash flow per share per price, % of 13.96
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
- Negative: Investing cash flow per share per price, % of -50.76 <= -40.59
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of 0.86
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term BOTJ quotes
Long-term BOTJ plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $42.69MM | $44.45MM | $48.72MM |
| Operating Expenses | $32.41MM | $34.53MM | $37.58MM |
| Operating Income | $10.28MM | $9.92MM | $11.14MM |
| Interest Expense | $9.62MM | $15.41MM | $13.85MM |
| Income(Loss) | $10.28MM | $9.92MM | $11.14MM |
| Taxes | $1.57MM | $1.98MM | $2.12MM |
| Net Income(Loss)* | $8.70MM | $7.94MM | $9.02MM |
| Stockholders Equity | $60.04MM | $64.86MM | $80.05MM |
| Assets | $969.37MM | $979.24MM | $1,039.02MM |
| Operating Cash Flow | $9.49MM | $8.51MM | $11.66MM |
| Capital expenditure | $1.57MM | $2.55MM | $1.17MM |
| Investing Cash Flow | $-23.34MM | $-11.17MM | $-42.40MM |
| Financing Cash Flow | $26.92MM | $1.14MM | $41.90MM |
| Earnings Per Share** | $1.91 | $1.75 | $1.99 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.