Bank of the James Financial (BOTJ)
Market Price (8/8/2026): $27.33 | Market Cap: $124.2 MilSector: Financials | Industry: Regional Banks
Bank of the James Financial (BOTJ)
Market Price (8/8/2026): $27.33Market Cap: $124.2 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.0%, FCF Yield is 12% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -17% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29% Low stock price volatilityVol 12M is 25% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -1.9%, Dist 3Y High is -1.9% | Key risksBOTJ key risks include [1] weaknesses in its loan portfolio leading to substantial charge-offs and increased provisions for credit losses. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.0%, FCF Yield is 12% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -17% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29% |
| Low stock price volatilityVol 12M is 25% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -1.9%, Dist 3Y High is -1.9% |
| Key risksBOTJ key risks include [1] weaknesses in its loan portfolio leading to substantial charge-offs and increased provisions for credit losses. |
Qualitative Assessment
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Bank of the James Financial (BOTJ) stock has gained about 20% since 4/30/2026 because of the following key factors:
1. Bank of the James Financial Group reported robust earnings growth, significantly exceeding prior-year performance. For the first half of fiscal 2026, net income surged by 69.55% to $6.01 million, with earnings per share (EPS) rising to $1.32 compared to $0.78 in the same period of 2025. Similarly, fiscal Q2 2026 net income increased 19.82% year-over-year to $3.24 million, or $0.71 per share.
2. The company demonstrated a substantial improvement in its net interest margin. The tax-equivalent net interest margin improved to 3.71% in fiscal Q2 2026, an increase from 3.44% in fiscal Q2 2025. On a year-to-date basis, the net interest margin also rose to 3.64% from 3.34% in the prior-year period, partially driven by a 10.5% reduction in interest expense during fiscal Q2 2026.
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Bank of the James Financial (BOTJ) stock has gained about 20% since 4/30/2026 because of the following key factors:
1. Bank of the James Financial Group reported robust earnings growth, significantly exceeding prior-year performance. For the first half of fiscal 2026, net income surged by 69.55% to $6.01 million, with earnings per share (EPS) rising to $1.32 compared to $0.78 in the same period of 2025. Similarly, fiscal Q2 2026 net income increased 19.82% year-over-year to $3.24 million, or $0.71 per share.
2. The company demonstrated a substantial improvement in its net interest margin. The tax-equivalent net interest margin improved to 3.71% in fiscal Q2 2026, an increase from 3.44% in fiscal Q2 2025. On a year-to-date basis, the net interest margin also rose to 3.64% from 3.34% in the prior-year period, partially driven by a 10.5% reduction in interest expense during fiscal Q2 2026.
3. Operational efficiency was significantly enhanced, contributing to stronger profitability. The efficiency ratio improved to 67.82% in fiscal Q2 2026, down from 76.71% in fiscal Q2 2025. This improvement reflects higher revenues combined with reduced noninterest expenses, which decreased by 1.5% in fiscal Q2 2026 and 3.1% for the first half of fiscal 2026.
4. Bank of the James Financial Group strengthened its asset quality during the period. Total nonperforming loans decreased by 35.97% to $1.091 million at June 30, 2026, from $1.704 million at December 31, 2025. Nonperforming loans constituted a minimal 0.16% of total loans, and the allowance for credit losses provided substantial coverage at 604.67% of nonperforming loans.
5. Analyst sentiment turned more positive with a key upgrade for the stock. Wall Street Zen upgraded its rating for Bank of the James Financial Group to a "buy" on June 6, 2026, signaling increased confidence in the company's financial outlook and prospects.
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Stock Movement Drivers
Fundamental Drivers
The 19.2% change in BOTJ stock from 4/30/2026 to 8/7/2026 was primarily driven by a 17.3% change in the company's Net Income Margin (%).| (LTM values as of) | 4302026 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.86 | 27.25 | 19.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 48 | 49 | 3.5% |
| Net Income Margin (%) | 18.9% | 22.2% | 17.3% |
| P/E Multiple | 11.5 | 11.3 | -1.8% |
| Shares Outstanding (Mil) | 5 | 5 | 0.0% |
| Cumulative Contribution | 19.2% |
Market Drivers
4/30/2026 to 8/7/2026| Return | Correlation | |
|---|---|---|
| BOTJ | 19.2% | |
| Market (SPY) | 7.6% | -0.5% |
| Sector (XLF) | 10.5% | 11.9% |
Fundamental Drivers
The 45.5% change in BOTJ stock from 1/31/2026 to 8/7/2026 was primarily driven by a 29.9% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.73 | 27.25 | 45.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 46 | 49 | 6.5% |
| Net Income Margin (%) | 17.0% | 22.2% | 29.9% |
| P/E Multiple | 10.7 | 11.3 | 5.2% |
| Shares Outstanding (Mil) | 5 | 5 | 0.0% |
| Cumulative Contribution | 45.5% |
Market Drivers
1/31/2026 to 8/7/2026| Return | Correlation | |
|---|---|---|
| BOTJ | 45.5% | |
| Market (SPY) | 12.1% | 9.3% |
| Sector (XLF) | 8.3% | 14.1% |
Fundamental Drivers
The 103.3% change in BOTJ stock from 7/31/2025 to 8/7/2026 was primarily driven by a 48.7% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 13.41 | 27.25 | 103.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 44 | 49 | 11.6% |
| Net Income Margin (%) | 14.9% | 22.2% | 48.7% |
| P/E Multiple | 9.2 | 11.3 | 22.4% |
| Shares Outstanding (Mil) | 5 | 5 | 0.0% |
| Cumulative Contribution | 103.3% |
Market Drivers
7/31/2025 to 8/7/2026| Return | Correlation | |
|---|---|---|
| BOTJ | 103.3% | |
| Market (SPY) | 23.4% | 6.9% |
| Sector (XLF) | 11.3% | 12.1% |
Fundamental Drivers
The 168.8% change in BOTJ stock from 7/31/2023 to 8/7/2026 was primarily driven by a 112.5% change in the company's P/E Multiple.| (LTM values as of) | 7312023 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 10.14 | 27.25 | 168.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 43 | 49 | 15.7% |
| Net Income Margin (%) | 20.6% | 22.2% | 7.6% |
| P/E Multiple | 5.3 | 11.3 | 112.5% |
| Shares Outstanding (Mil) | 5 | 5 | 1.7% |
| Cumulative Contribution | 168.8% |
Market Drivers
7/31/2023 to 8/7/2026| Return | Correlation | |
|---|---|---|
| BOTJ | 168.8% | |
| Market (SPY) | 74.9% | 10.0% |
| Sector (XLF) | 70.4% | 13.7% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BOTJ Return | 43% | -21% | 6% | 34% | 20% | 47% | 183% |
| Peers Return | 38% | 3% | 7% | 13% | 4% | 33% | 137% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 13% | 105% |
Monthly Win Rates [3] | |||||||
| BOTJ Win Rate | 58% | 33% | 42% | 50% | 58% | 100% | |
| Peers Win Rate | 63% | 45% | 52% | 50% | 57% | 70% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| BOTJ Max Drawdown | -24% | -34% | -34% | -20% | -26% | -9% | |
| Peers Max Drawdown | -23% | -23% | -32% | -25% | -26% | -14% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: AUB, CARE, TOWN, CFFI, FCF.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 8/7/2026 (YTD)
How Low Can It Go
| Event | BOTJ | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -11.4% | -9.5% |
| % Gain to Breakeven | 12.8% | 10.5% |
| Time to Breakeven | 57 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -33.7% | -6.7% |
| % Gain to Breakeven | 50.8% | 7.1% |
| Time to Breakeven | 446 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.1% | -24.5% |
| % Gain to Breakeven | 43.1% | 32.4% |
| Time to Breakeven | 647 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -45.6% | -33.7% |
| % Gain to Breakeven | 83.7% | 50.9% |
| Time to Breakeven | 336 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -19.4% | -19.2% |
| % Gain to Breakeven | 24.0% | 23.8% |
| Time to Breakeven | 398 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -28.8% | -17.9% |
| % Gain to Breakeven | 40.5% | 21.8% |
| Time to Breakeven | 42 days | 123 days |
In The Past
Bank of the James Financial's stock fell -2.3% during the 2025 US Tariff Shock. Such a loss loss requires a 2.3% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
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| Event | BOTJ | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -33.7% | -6.7% |
| % Gain to Breakeven | 50.8% | 7.1% |
| Time to Breakeven | 446 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.1% | -24.5% |
| % Gain to Breakeven | 43.1% | 32.4% |
| Time to Breakeven | 647 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -45.6% | -33.7% |
| % Gain to Breakeven | 83.7% | 50.9% |
| Time to Breakeven | 336 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -28.8% | -17.9% |
| % Gain to Breakeven | 40.5% | 21.8% |
| Time to Breakeven | 42 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -40.6% | -53.4% |
| % Gain to Breakeven | 68.5% | 114.4% |
| Time to Breakeven | 132 days | 1085 days |
In The Past
Bank of the James Financial's stock fell -2.3% during the 2025 US Tariff Shock. Such a loss loss requires a 2.3% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Bank of the James Financial (BOTJ)
Bank of the James Financial Group, Inc. (BOTJ) is a bank holding company that operates primarily through its subsidiary, Bank of the James. The company offers a full suite of general retail and commercial banking services. Founded in 1998 and headquartered in Lynchburg, Virginia, BOTJ serves individuals, businesses, associations, organizations, and governmental authorities predominantly within Virginia, United States, through its network of 19 offices.
The company's core offerings include a variety of deposit accounts such as checking, savings, money market, individual retirement, and health care saving accounts, along with certificates of deposit. On the lending front, BOTJ provides loans to small- and medium-sized businesses for equipment purchases, facility upgrades, inventory, and working capital. It also specializes in commercial and residential construction and development loans, commercial real estate mortgages, and residential mortgage loans. For consumers, the bank offers secured and unsecured loans including lines of credit, auto loans, installment loans, and home equity loans.
In addition to traditional banking, Bank of the James provides a range of supplementary services designed to meet diverse customer needs. These include safe deposit boxes, treasury management, credit card merchant services, and direct deposit options. The company further extends its financial services by offering securities brokerage and investment services, and by acting as an agent for insurance and annuity products, all supported by telephone and internet banking capabilities like online bill pay.
```AI Analysis | Feedback
Here are 1-3 brief analogies for Bank of the James Financial (BOTJ):
- A Virginia-based version of a large regional bank like Truist.
- Like the community bank version of Bank of America, but exclusively for Virginia.
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Deposit Products
- Checking Accounts: Provides transactional accounts for daily financial management.
- Savings Accounts: Offers interest-bearing accounts for personal savings and future goals.
- Money Market Accounts: Delivers flexible, interest-earning deposit accounts with limited transaction capabilities.
- Certificates of Deposit (CDs): Offers time-bound deposit accounts with fixed interest rates.
- Individual Retirement Accounts (IRAs): Provides tax-advantaged savings vehicles for retirement planning.
- Health Care Saving Accounts: Offers specialized accounts for managing healthcare expenses.
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Lending Products
- Commercial & Business Loans: Provides financing for business operations, equipment, inventory, and working capital.
- Commercial Real Estate Loans: Offers funding for the purchase or development of commercial properties.
- Residential Mortgage Loans: Finances the purchase or refinancing of homes for individuals.
- Construction & Development Loans: Supports the financing of both commercial and residential construction projects.
- Consumer Loans: Delivers various personal loans including auto, installment, home equity, and lines of credit.
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Other Banking Services
- Safe Deposit Boxes: Provides secure storage for valuable documents and items.
- Treasury Management: Offers services to businesses for optimizing cash flow and financial operations.
- Credit Card Merchant Services: Enables businesses to process credit card payments from customers.
- Digital Banking Services: Provides convenient online and telephone banking, including bill pay.
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Investment & Insurance Services
- Securities Brokerage & Investment Services: Offers investment advice and services for buying and selling securities.
- Insurance & Annuity Products: Acts as an agent to provide various insurance policies and annuity solutions.
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Bank of the James Financial (BOTJ) provides banking services to a diverse customer base rather than having a few major corporate customers. Its services are extended to a broad range of individuals, businesses, and organizations within its operational footprint in Virginia. Based on the company description, its customer base can be categorized as follows:
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Individuals: This category includes customers who utilize personal banking services such as checking, savings, individual retirement, and health care saving accounts, as well as various other time deposits including money market accounts and certificates of deposit. Individuals also access residential mortgage loans and a variety of secured and unsecured consumer loans for personal, family, or household purposes, including lines of credit, overdraft lines, personal, automobile, installment, demand, and home equity loans.
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Small- and Medium-sized Businesses: This category comprises businesses that receive commercial banking services. These include loans for equipment purchases, facilities upgrades, inventory acquisition, and various working capital purposes. The company also provides commercial and residential construction and development loans, as well as commercial real estate mortgage loans to these businesses.
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Associations, Organizations, and Governmental Authorities: These entities are served with general retail and commercial banking services, which can include various account types, treasury management services, and potentially other specialized financial solutions.
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Robert R. Chapman III, Chief Executive Officer
Mr. Chapman is a co-organizer of Bank of the James, which was founded in 1998/1999. He has served as President of Bank of the James Financial Group since January 2004 and as Chief Executive Officer of the Bank since January 2003. Prior to his time with Bank of the James, he was the Vice President of Commercial Lending at Crestar Bank for 15 years. He was instrumental in the bank's establishment, helping it grow from initial capital to over $1 billion in assets.
Eric J. Sorenson, Jr., Chief Financial Officer
Mr. Sorenson was appointed Chief Financial Officer, effective January 1, 2026. He previously served as Executive Vice President and General Counsel, a role he held for more than three years. Mr. Sorenson has advised Bank of the James on regulatory, legal, and financial matters for over 25 years. He joined the bank full-time in 2022 after working with the company for more than 20 years as outside counsel.
Michael A. Syrek, President
Mr. Syrek serves as the President of Bank of the James.
Brandon P. Farmer, Executive Vice President and Chief Operations Officer
Mr. Farmer holds the position of Executive Vice President and Chief Operations Officer for Bank of the James.
Harry P. Umberger Jr., Executive Vice President and Chief Credit Officer
Mr. Umberger serves as the Executive Vice President and Chief Credit Officer of Bank of the James.
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The key risks to Bank of the James Financial (BOTJ) primarily stem from the evolving financial landscape and inherent challenges faced by regional banking institutions.
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Cybersecurity Risks: Regional banks are increasingly vulnerable to sophisticated cyberattacks, including ransomware, supply chain attacks, and data breaches. Such incidents can result in significant financial losses, severe reputational damage, loss of customer confidence, and service disruptions. A real-world case involved a regional bank in Virginia that experienced a $2.4 million loss due to network intrusions via phishing.
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Interest Rate Risk and Net Interest Margin Pressure: The fluctuating interest rate environment poses a significant risk. Rising funding costs, influenced by the Federal Reserve's monetary policy and increased competition for deposits, can compress net interest margins, thereby impacting the bank's profitability.
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Regulatory and Compliance Challenges: Regional banks operate within a complex and constantly changing regulatory framework. Keeping pace with evolving compliance requirements, which often increase compliance costs, is a continuous challenge. Failure to adhere to these regulations can lead to substantial fines and penalties.
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Clear emerging threats for Bank of the James Financial (BOTJ) primarily stem from the rapid growth and innovation within the financial technology (fintech) sector and the rise of digital-first banking models.
- Neobanks and Digital-Only Banks: Online-only banks and challenger banks operate with significantly lower overhead costs compared to traditional banks with physical branch networks. They often offer more competitive interest rates on deposits (checking, savings, money market accounts) and loans, superior mobile and online user experiences, and lower fees. This directly threatens BOTJ's ability to attract and retain customers, particularly younger demographics and those who prioritize digital convenience over in-person service.
- Specialized Fintech Lenders: Various fintech companies are emerging with streamlined processes and advanced algorithms to offer consumer loans, small business loans, and even mortgages more quickly and sometimes with more flexible terms than traditional banks. These platforms can chip away at BOTJ's lending market share by attracting customers seeking faster approvals and more tailored digital experiences.
- Embedded Finance and Payment Platforms: The increasing trend of non-financial companies embedding financial services directly into their products (e.g., buy now, pay later options at checkout, integrated business payment solutions) can disintermediate traditional banking relationships. Additionally, payment processing companies and digital wallets are expanding their offerings to include services traditionally provided by banks, such as small business lending, cash management, and consumer financial tools.
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Bank of the James Financial Group, Inc. operates in Virginia, offering a range of retail and commercial banking services, loans, investment services, and insurance and annuity products. Here are the addressable market sizes for their main products and services:
Retail Banking Services (United States)
- The United States retail banking market was valued at approximately USD 870 billion in 2025. It is projected to reach USD 1.08 trillion by 2030 and USD 1,112.2 billion by 2031.
- In 2025, loans constituted 29.18% of the US retail banking market share.
- For Virginia specifically, total deposits in banks operating in the state amounted to $296 billion in 2024.
Commercial Banking Services
- The U.S. commercial banking market is estimated to be USD 732.5 billion in 2025 and is forecasted to grow to USD 915.45 billion by 2030.
- Commercial lending represented 43.78% of the U.S. commercial banking market share in 2025.
- In Virginia, the Commercial Banking industry has shown an average annual growth rate of 9.2% from 2021 to 2026. Small business loans in Virginia amounted to $14 billion in 2024.
Lending (Residential Mortgage and Consumer Loans)
- The total outstanding mortgage debt in the U.S. is approximately $20.8 trillion. The residential mortgage market alone is valued at $14.3 trillion, and commercial real estate (CRE) loans are about $6.2 trillion.
- Total single-family mortgage origination volume in the U.S. is expected to be $2.0 trillion in 2025, rising to $2.2 trillion in 2026. This includes purchase originations forecast at $1.46 trillion and refinance originations at $737 billion in 2026.
- As of May 2025, total U.S. consumer debt was $17.80 trillion. Non-mortgage consumer debt totaled $4.63 trillion, with auto loans and leases at $1.67 trillion, and U.S. bankcard outstanding balances at $1.06 trillion. Unsecured personal loan balances reached $257 billion in Q2 2025.
- In Virginia, new home loans booked in 2024 totaled $35.2 billion.
Securities Brokerage and Investment Services
- The U.S. investment banking market is estimated at USD 54.74 billion in 2025 and is projected to reach USD 66.15 billion by 2030.
- The financial advisory services market in the U.S. was valued at USD 117.04 billion in 2025 and is expected to reach USD 124.2 billion in 2026.
- For Virginia, the market size of the Custody, Asset & Securities Services industry is projected to be $339.2 million in 2026.
Insurance and Annuity Products (United States)
- Total U.S. annuity sales increased to $461.3 billion in 2025.
- The overall U.S. life insurance and annuities market size was USD 819 billion in 2024 and is expected to reach USD 1100.2 billion by 2032.
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Share Issuance
- Bank of the James Financial Group, Inc. declared a 10% stock dividend in May 2021, which was paid in July 2021, increasing the number of outstanding shares.
- The number of issued and outstanding common shares remained consistent at 4,543,338 as of December 31, 2025, and December 31, 2024.
Outbound Investments
- In December 2021, Bank of the James Financial Group acquired Pettyjohn, Wood & White, Inc. ("PWW"), an SEC-registered investment advisor.
- PWW became a wholly-owned subsidiary of Bank of the James Financial Group, providing investment advisory services and managing over $650 million in assets.
Capital Expenditures
- Capital expenditures have been focused on expanding the company's physical presence, with an increase in noninterest expense in 2025 largely attributed to the addition of new banking facilities in strategic locations.
- In the first quarter of 2025, the company incurred a one-time consulting expense of approximately $1 million for negotiating a new core banking provider contract, which is projected to yield savings of up to $5 million over its 65-month term.
- Reported capital expenditures were $1.57 million for Q4 2023, $1.86 million for Q1 2024, $1.86 million for Q2 2024, and $2.31 million for Q3 2024.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Can Bank of the James Financial Stock Hold Up When Markets Turn? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 35.23 |
| Mkt Cap | 1.5 |
| Rev LTM | 376 |
| Op Inc LTM | - |
| FCF LTM | 93 |
| FCF 3Y Avg | 97 |
| CFO LTM | 124 |
| CFO 3Y Avg | 109 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 18.8% |
| Rev Chg 3Y Avg | 8.0% |
| Rev Chg Q | 11.8% |
| QoQ Delta Rev Chg LTM | 2.7% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.5% |
| CFO/Rev 3Y Avg | 27.9% |
| FCF/Rev LTM | 28.4% |
| FCF/Rev 3Y Avg | 22.7% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Community Banking | 39 | 36 | 35 | 34 | 30 |
| Holding Company | 9 | 8 | 8 | ||
| Investment Advisory | 5 | 5 | 4 | 4 | |
| Mortgage Banking | 5 | 4 | 4 | 5 | 8 |
| Eliminations | -10 | -9 | -9 | ||
| Total | 49 | 44 | 43 | 43 | 38 |
| $ Mil | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|
| Community Banking | 5 | 4 | 4 | 2 |
| Mortgage Banking | 1 | 0 | 0 | 0 |
| Total | 5 | 5 | 4 | 3 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Holding Company | 9 | 8 | 9 | ||
| Community Banking | 7 | 6 | 7 | 7 | 6 |
| Investment Advisory | 2 | 2 | 1 | 1 | |
| Mortgage Banking | 1 | 1 | 0 | 1 | 2 |
| Eliminations | -10 | -9 | -9 | ||
| Total | 9 | 8 | 9 | 9 | 8 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Community Banking | 1,028 | 966 | 957 | 914 | 986 |
| Holding Company | 104 | 107 | 102 | ||
| Investment Advisory | 10 | 11 | 11 | 11 | |
| Mortgage Banking | 3 | 4 | 2 | 3 | 2 |
| Eliminations | -106 | -109 | -102 | ||
| Total | 1,039 | 979 | 969 | 929 | 988 |
Price Behavior
| Market Price | $27.25 | |
| Market Cap ($ Bil) | 0.1 | |
| First Trading Date | 08/10/2000 | |
| Distance from 52W High | -1.9% | |
| 50 Days | 200 Days | |
| DMA Price | $24.32 | $20.36 |
| DMA Trend | up | up |
| Distance from DMA | 12.0% | 33.8% |
| 3M | 1YR | |
| Volatility | 20.4% | 25.2% |
| Downside Capture | -19.20 | -25.02 |
| Upside Capture | 53.40 | 60.25 |
| Correlation (SPY) | 5.0% | 7.2% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.36 | 0.10 | -0.00 | 0.19 | 0.14 | 0.20 |
| Up Beta | -1.39 | -0.71 | -0.56 | 0.01 | 0.03 | 0.18 |
| Down Beta | -0.19 | 0.19 | 0.30 | 0.09 | 0.11 | 0.18 |
| Up Capture | 32% | 88% | 43% | 62% | 50% | 14% |
| Bmk +ve Days | 11 | 22 | 35 | 67 | 138 | 427 |
| Stock +ve Days | 12 | 23 | 31 | 63 | 130 | 352 |
| Down Capture | -60% | -23% | -39% | -14% | -40% | 12% |
| Bmk -ve Days | 11 | 21 | 28 | 59 | 114 | 326 |
| Stock -ve Days | 10 | 19 | 30 | 56 | 106 | 321 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BOTJ | |
|---|---|---|---|---|
| BOTJ | 97.1% | 25.4% | 2.73 | - |
| Sector ETF (XLF) | 12.3% | 14.6% | 0.57 | 12.8% |
| Equity (SPY) | 23.3% | 12.8% | 1.36 | 6.7% |
| Gold (GLD) | 28.5% | 28.4% | 0.87 | -7.7% |
| Commodities (DBC) | 32.9% | 19.8% | 1.32 | -14.1% |
| Real Estate (VNQ) | 14.2% | 13.8% | 0.72 | 16.4% |
| Bitcoin (BTCUSD) | -44.2% | 42.9% | -1.23 | -10.3% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BOTJ | |
|---|---|---|---|---|
| BOTJ | 13.1% | 33.1% | 0.46 | - |
| Sector ETF (XLF) | 11.4% | 18.4% | 0.48 | 9.5% |
| Equity (SPY) | 13.5% | 17.2% | 0.61 | 9.3% |
| Gold (GLD) | 18.6% | 18.6% | 0.81 | 0.8% |
| Commodities (DBC) | 8.2% | 19.6% | 0.31 | 0.4% |
| Real Estate (VNQ) | 2.3% | 18.9% | 0.02 | 11.3% |
| Bitcoin (BTCUSD) | 8.8% | 53.0% | 0.35 | 4.3% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BOTJ | |
|---|---|---|---|---|
| BOTJ | 10.6% | 33.1% | 0.40 | - |
| Sector ETF (XLF) | 13.6% | 22.1% | 0.56 | 13.6% |
| Equity (SPY) | 15.4% | 17.9% | 0.73 | 12.5% |
| Gold (GLD) | 12.1% | 16.2% | 0.61 | -0.2% |
| Commodities (DBC) | 7.4% | 18.0% | 0.33 | 5.3% |
| Real Estate (VNQ) | 4.8% | 20.7% | 0.20 | 14.5% |
| Bitcoin (BTCUSD) | 58.2% | 66.2% | 0.98 | 3.3% |
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Returns Analyses
Earnings Returns History
Updated 8/8/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/30/2026 | -2.1% | -1.9% | |
| 4/30/2026 | -0.1% | 1.1% | -0.9% |
| 2/4/2026 | 2.6% | -2.2% | -1.9% |
| 10/30/2025 | 5.0% | 4.1% | 9.1% |
| 8/4/2025 | 0.6% | 0.2% | 11.3% |
| 4/30/2025 | 1.7% | 5.2% | 5.8% |
| 1/31/2025 | 0.0% | -2.9% | -7.7% |
| 10/25/2024 | -2.1% | 0.2% | 12.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 16 | 16 | 13 |
| # Negative | 8 | 8 | 10 |
| Median Positive | 0.7% | 2.5% | 9.1% |
| Median Negative | -1.7% | -2.0% | -3.9% |
| Max Positive | 5.0% | 5.6% | 20.8% |
| Max Negative | -5.0% | -3.4% | -12.7% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/30/2026 | -2.1% | -1.9% | |
| 4/30/2026 | -0.1% | 1.1% | -0.9% |
| 2/4/2026 | 2.6% | -2.2% | -1.9% |
| 10/30/2025 | 5.0% | 4.1% | 9.1% |
| 8/4/2025 | 0.6% | 0.2% | 11.3% |
| 4/30/2025 | 1.7% | 5.2% | 5.8% |
| 1/31/2025 | 0.0% | -2.9% | -7.7% |
| 10/25/2024 | -2.1% | 0.2% | 12.2% |
| 7/29/2024 | -0.7% | -3.2% | -1.5% |
| 4/26/2024 | 0.0% | 2.6% | 9.4% |
| 2/2/2024 | 0.0% | -1.8% | -3.2% |
| 10/20/2023 | -0.2% | 1.1% | 2.7% |
| 7/21/2023 | 2.3% | 5.6% | 3.6% |
| 4/21/2023 | 0.8% | 1.3% | -1.6% |
| 2/6/2023 | 2.8% | 2.4% | 3.4% |
| 10/21/2022 | 2.6% | 3.8% | 3.1% |
| 7/22/2022 | -5.0% | -1.9% | -4.6% |
| 4/22/2022 | 0.2% | 3.7% | -11.6% |
| 2/15/2022 | -1.3% | -1.7% | -5.1% |
| 10/22/2021 | 3.3% | 2.7% | 8.7% |
| 7/26/2021 | -2.5% | 2.4% | -12.7% |
| 4/23/2021 | 0.0% | 3.8% | 20.8% |
| 1/22/2021 | 0.0% | 1.0% | 11.3% |
| 10/23/2020 | 0.4% | -3.4% | 19.2% |
| SUMMARY STATS | |||
| # Positive | 16 | 16 | 13 |
| # Negative | 8 | 8 | 10 |
| Median Positive | 0.7% | 2.5% | 9.1% |
| Median Negative | -1.7% | -2.0% | -3.9% |
| Max Positive | 5.0% | 5.6% | 20.8% |
| Max Negative | -5.0% | -3.4% | -12.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/12/2026 | 10-Q |
| 12/31/2025 | 03/27/2026 | 10-K |
| 09/30/2025 | 11/14/2025 | 10-Q |
| 06/30/2025 | 08/13/2025 | 10-Q |
| 03/31/2025 | 05/15/2025 | 10-Q |
| 12/31/2024 | 03/26/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/12/2024 | 10-Q |
| 03/31/2024 | 05/17/2024 | 10-Q |
| 12/31/2023 | 03/27/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/11/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/31/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/12/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/12/2026 | 10-Q |
| 12/31/2025 | 03/27/2026 | 10-K |
| 09/30/2025 | 11/14/2025 | 10-Q |
| 06/30/2025 | 08/13/2025 | 10-Q |
| 03/31/2025 | 05/15/2025 | 10-Q |
| 12/31/2024 | 03/26/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/12/2024 | 10-Q |
| 03/31/2024 | 05/17/2024 | 10-Q |
| 12/31/2023 | 03/27/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/11/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/31/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/12/2022 | 10-Q |
| 03/31/2022 | 05/12/2022 | 10-Q |
| 12/31/2021 | 03/29/2022 | 10-K |
| 09/30/2021 | 11/12/2021 | 10-Q |
| 06/30/2021 | 08/12/2021 | 10-Q |
| 03/31/2021 | 05/12/2021 | 10-Q |
| 12/31/2020 | 03/29/2021 | 10-K |
| 09/30/2020 | 11/12/2020 | 10-Q |
| 06/30/2020 | 08/12/2020 | 10-Q |
| 03/31/2020 | 05/13/2020 | 10-Q |
| 12/31/2019 | 03/20/2020 | 10-K |
| 09/30/2019 | 11/08/2019 | 10-Q |
| 06/30/2019 | 08/13/2019 | 10-Q |
Insider Activity
Updated 5/7/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Addison, Lewis C | Direct | Buy | 5072026 | 23.18 | 82 | 1,900 | 457,034 | Form | |
| 2 | Bryant, William C Iii | Direct | Buy | 5072026 | 23.11 | 1,043 | 24,104 | 1,796,017 | Form | |
| 3 | Chapman, Robert R | President | Direct | Buy | 2202026 | 20.89 | 1,200 | 25,068 | 2,592,825 | Form |
| 4 | Bryant, William C Iii | Direct | Buy | 2202026 | 20.82 | 600 | 12,492 | 1,596,332 | Form | |
| 5 | Bryant, William C Iii | Direct | Buy | 2202026 | 20.00 | 396 | 7,920 | 1,521,460 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Addison, Lewis C | Direct | Buy | 5072026 | 23.18 | 82 | 1,900 | 457,034 | Form | |
| 2 | Bryant, William C Iii | Direct | Buy | 5072026 | 23.11 | 1,043 | 24,104 | 1,796,017 | Form | |
| 3 | Chapman, Robert R | President | Direct | Buy | 2202026 | 20.89 | 1,200 | 25,068 | 2,592,825 | Form |
| 4 | Bryant, William C Iii | Direct | Buy | 2202026 | 20.82 | 600 | 12,492 | 1,596,332 | Form | |
| 5 | Bryant, William C Iii | Direct | Buy | 2202026 | 20.00 | 396 | 7,920 | 1,521,460 | Form | |
| 6 | Addison, Lewis C | Direct | Buy | 2112026 | 20.50 | 93 | 1,906 | 402,600 | Form | |
| 7 | Jamerson, Phillip C | Direct | Buy | 12012025 | 17.59 | 100 | 1,759 | 302,372 | Form | |
| 8 | Jamerson, Phillip C | Direct | Buy | 12012025 | 16.65 | 1,014 | 16,883 | 284,548 | Form | |
| 9 | Bryant, William C Iii | Direct | Buy | 11192025 | 16.75 | 59 | 988 | 1,267,590 | Form | |
| 10 | Addison, Lewis C | Direct | Buy | 11192025 | 16.75 | 113 | 1,893 | 327,396 | Form | |
| 11 | Jamerson, Phillip C | Direct | Buy | 11182025 | 16.75 | 589 | 9,866 | 269,273 | Form | |
| 12 | Bryant, William C Iii | Direct | Buy | 8262025 | 15.43 | 2,525 | 38,961 | 1,166,786 | Form | |
| 13 | Scruggs, J Todd | Secretary-Treasurer | Direct | Buy | 8152025 | 14.30 | 356 | 5,091 | 476,887 | Form |
| 14 | Addison, Lewis C | Direct | Buy | 8142025 | 14.00 | 134 | 1,876 | 272,062 | Form | |
| 15 | Umberger, Harry P JR | EVP - Chief Credit Officer | Direct | Buy | 8122025 | 13.88 | 138 | 1,915 | 28,107 | Form |
| 16 | Syrek, Michael A | President - Bank of the James | Direct | Buy | 8122025 | 13.97 | 250 | 3,493 | 190,003 | Form |
| 17 | Bryant, William C Iii | Direct | Buy | 5232025 | 14.49 | 6,602 | 95,645 | 1,058,922 | Form | |
| 18 | Bryant, William C Iii | Direct | Buy | 5222025 | 14.25 | 223 | 3,178 | 947,497 | Form | |
| 19 | Bryant, William C Iii | Direct | Buy | 5142025 | 14.25 | 394 | 5,614 | 944,319 | Form | |
| 20 | Addison, Lewis C | Direct | Buy | 5142025 | 14.25 | 303 | 4,318 | 275,011 | Form | |
| 21 | Addison, Lewis C | Direct | Buy | 5122025 | 14.25 | 349 | 4,973 | 270,693 | Form | |
| 22 | Chapman, Robert R | President | Direct | Buy | 5072025 | 14.11 | 2,828 | 39,903 | 1,733,907 | Form |
| 23 | Syrek, Michael A | President - Bank of the James | Direct | Buy | 5062025 | 14.00 | 350 | 4,900 | 186,900 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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