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    Bank of the James Financial (BOTJ)

    Market Price (11/6/2026): $23.9 | Market Cap: $108.6 MilSector: Financials | Industry: Regional Banks

    Bank of the James Financial (BOTJ)

    Market Price (11/6/2026): $23.9
    Market Cap: $108.6 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.6%, FCF Yield is 10%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -29%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 25%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22%

    Low stock price volatility
    Vol 12M is 30%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Key risks
    BOTJ key risks include [1] weaknesses in its loan portfolio leading to substantial charge-offs and increased provisions for credit losses.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.6%, FCF Yield is 10%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -29%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 25%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22%
    3 Low stock price volatility
    Vol 12M is 30%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    5 Key risks
    BOTJ key risks include [1] weaknesses in its loan portfolio leading to substantial charge-offs and increased provisions for credit losses.

    BOTJ in ETFs

    Weight = BOTJ's share of each fund

    VTI0.00%
    DFAC0.00%
    DFAS0.00%

    Valuation & Metrics

    null
    BOTJS&P 500
    REVENUE GROWTHGOOD
    Rev LTM ($ Bil)0.1
    Rev Chg Q11.7%8.9%
    Rev Chg LTM12.2%8.6%
    Rev Chg 3Y Avg5.6%6.4%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM24.8%21.5%
    Net Inc Mgn22.6%13.5%
    VALUATIONLOW
    P/S2.13.2
    P/CFO8.615.1
    P/FCF9.620.2
    P/E9.522.3

    AI Analysis | Feedback

    MetricValueDateSource
    Nonperforming Loan Ratio0.29%9302025Link
    Net Interest Margin3.44%9302025Link

    Price Chart

    Upcoming
    11/20/2026DividendAmount: $0.15
    Payment On: 12/04/2026

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/1/2026

    Bank of the James Financial (BOTJ) stock has lost about 10% since 7/31/2026 because of the following key factors:

    1. Macroeconomic Headwinds and Rising Interest Rates. The period since late July 2026 saw a sharp rise in long-term interest rates and a global bond sell-off. Notably, the yield on the benchmark US 10-year Treasury note surpassed 5% in September 2026 for the first time since 2007, and the Federal Reserve increased its target rate by a quarter point to 3.75-4.00% on September 17, 2026. This environment generally increases borrowing costs for businesses and households, potentially impacting loan demand and asset valuations for banks.

    2. Broader Regional Bank Sector Weakness and Investor Caution. The regional banking industry experienced a general decline, with a market-cap-weighted monthly price change of -1.64% over 30 days and -3.85% over 90 days as of October 20, 2026. While some regional banks reported positive Q3 2026 results, there was investor caution regarding rising problem loans and cautious outlooks within the sector. This sector-wide sentiment likely contributed to the downward pressure on Bank of the James Financial (BOTJ) shares.

    Show more
    Updated on 11/1/2026

    Bank of the James Financial (BOTJ) stock has lost about 10% since 7/31/2026 because of the following key factors:

    1. Macroeconomic Headwinds and Rising Interest Rates. The period since late July 2026 saw a sharp rise in long-term interest rates and a global bond sell-off. Notably, the yield on the benchmark US 10-year Treasury note surpassed 5% in September 2026 for the first time since 2007, and the Federal Reserve increased its target rate by a quarter point to 3.75-4.00% on September 17, 2026. This environment generally increases borrowing costs for businesses and households, potentially impacting loan demand and asset valuations for banks.

    2. Broader Regional Bank Sector Weakness and Investor Caution. The regional banking industry experienced a general decline, with a market-cap-weighted monthly price change of -1.64% over 30 days and -3.85% over 90 days as of October 20, 2026. While some regional banks reported positive Q3 2026 results, there was investor caution regarding rising problem loans and cautious outlooks within the sector. This sector-wide sentiment likely contributed to the downward pressure on Bank of the James Financial (BOTJ) shares.

    3. Significant Single-Day Stock Price Decline Despite Strong Quarterly Performance. Bank of the James Financial experienced its largest daily move, a drop of -18.5%, on October 29, 2026. This occurred one day before the company announced strong fiscal Q3 2026 financial results on October 30, 2026. For Q3 2026, which ended September 30, 2026, the company reported a 20.68% increase in net income to $3.32 million and an increase in EPS to $0.73 from $0.61 a year prior, alongside a 50% increase in its quarterly cash dividend. The significant decline before these positive results suggests that broader market concerns, possibly unrelated to the company's fundamentals for the quarter, or specific negative sentiment overshadowed the company's otherwise solid performance.

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    Stock Movement Drivers

    Fundamental Drivers

    The -11.1% change in BOTJ stock from 7/31/2026 to 11/5/2026 was primarily driven by a -15.2% change in the company's P/E Multiple.
    (LTM values as of)731202611052026Change
    Stock Price ($)26.9423.96-11.1%
    Change Contribution By: 
    Total Revenues ($ Mil)49512.8%
    Net Income Margin (%)22.2%22.6%2.0%
    P/E Multiple11.29.5-15.2%
    Shares Outstanding (Mil)550.0%
    Cumulative Contribution-11.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/5/2026
    ReturnCorrelation
    BOTJ-11.1% 
    Market (SPY)-1.9%7.2%
    Sector (XLF)1.0%-3.5%

    Fundamental Drivers

    The 5.2% change in BOTJ stock from 4/30/2026 to 11/5/2026 was primarily driven by a 19.6% change in the company's Net Income Margin (%).
    (LTM values as of)430202611052026Change
    Stock Price ($)22.7823.965.2%
    Change Contribution By: 
    Total Revenues ($ Mil)48516.5%
    Net Income Margin (%)18.9%22.6%19.6%
    P/E Multiple11.59.5-17.4%
    Shares Outstanding (Mil)550.0%
    Cumulative Contribution5.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/5/2026
    ReturnCorrelation
    BOTJ5.2% 
    Market (SPY)2.3%5.4%
    Sector (XLF)10.7%1.9%

    Fundamental Drivers

    The 43.2% change in BOTJ stock from 10/31/2025 to 11/5/2026 was primarily driven by a 43.1% change in the company's Net Income Margin (%).
    (LTM values as of)1031202511052026Change
    Stock Price ($)16.7423.9643.2%
    Change Contribution By: 
    Total Revenues ($ Mil)455112.2%
    Net Income Margin (%)15.8%22.6%43.1%
    P/E Multiple10.69.5-10.9%
    Shares Outstanding (Mil)550.0%
    Cumulative Contribution43.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/5/2026
    ReturnCorrelation
    BOTJ43.2% 
    Market (SPY)8.4%6.5%
    Sector (XLF)11.1%6.9%

    Fundamental Drivers

    The 162.3% change in BOTJ stock from 10/31/2023 to 11/5/2026 was primarily driven by a 106.5% change in the company's P/E Multiple.
    (LTM values as of)1031202311052026Change
    Stock Price ($)9.1323.96162.3%
    Change Contribution By: 
    Total Revenues ($ Mil)435117.1%
    Net Income Margin (%)20.8%22.6%8.5%
    P/E Multiple4.69.5106.5%
    Shares Outstanding (Mil)550.0%
    Cumulative Contribution162.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/5/2026
    ReturnCorrelation
    BOTJ162.3% 
    Market (SPY)81.3%10.3%
    Sector (XLF)85.5%12.8%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    BOTJ Return43%-21%6%34%20%31%151%
    Peers Return38%3%7%13%4%31%132%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    BOTJ Win Rate58%33%42%50%58%82% 
    Peers Win Rate63%45%52%50%57%60% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    BOTJ Max Drawdown-24%-34%-34%-20%-26%-21% 
    Peers Max Drawdown-23%-23%-32%-25%-26%-15% 
    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 11/5/2026 (YTD)

    How Low Can It Go

    EventBOTJS&P 500
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-11.4%-9.5%
      % Gain to Breakeven12.8%10.5%
      Time to Breakeven57 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-33.7%-6.7%
      % Gain to Breakeven50.8%7.1%
      Time to Breakeven446 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-30.1%-24.5%
      % Gain to Breakeven43.1%32.4%
      Time to Breakeven647 days427 days
    2020 COVID-19 Crash
      % Loss-45.6%-33.7%
      % Gain to Breakeven83.7%50.9%
      Time to Breakeven336 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-19.4%-19.2%
      % Gain to Breakeven24.0%23.8%
      Time to Breakeven398 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-28.8%-17.9%
      % Gain to Breakeven40.5%21.8%
      Time to Breakeven42 days123 days

    Compare to AUB, CARE, TOWN, CFFI, FCF

    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.

    EventBOTJS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-33.7%-6.7%
      % Gain to Breakeven50.8%7.1%
      Time to Breakeven446 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-30.1%-24.5%
      % Gain to Breakeven43.1%32.4%
      Time to Breakeven647 days427 days
    2020 COVID-19 Crash
      % Loss-45.6%-33.7%
      % Gain to Breakeven83.7%50.9%
      Time to Breakeven336 days140 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-28.8%-17.9%
      % Gain to Breakeven40.5%21.8%
      Time to Breakeven42 days123 days
    2008-2009 Global Financial Crisis
      % Loss-40.6%-53.4%
      % Gain to Breakeven68.5%114.4%
      Time to Breakeven132 days1085 days

    Compare to AUB, CARE, TOWN, CFFI, FCF

    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)

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    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.

    AI Analysis | Feedback

    • 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.
    • 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.
    • 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.
    • 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.

    AI Analysis | Feedback

    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:

    • 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.

    • 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.

    • 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.

    AI Analysis | Feedback

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    AI Analysis | Feedback

    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.

    AI Analysis | Feedback

    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.

    1. 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.

    2. 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.

    3. 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.

    AI Analysis | Feedback

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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.
    ```

    AI Analysis | Feedback

    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.

    AI Analysis | Feedback

    Bank of the James Financial Group, Inc. (BOTJ) is expected to drive future revenue growth over the next 2-3 years through several key strategies: * **Expansion of Commercial Lending:** The company is actively strengthening its commercial lending arm, evidenced by the addition of experienced commercial relationship managers to grow its regional markets. This focus on commercial lending is anticipated to increase loan originations and, consequently, interest income. * **Growth in Commercial Real Estate (CRE) and Residential Mortgage Loans:** Bank of the James has consistently seen growth in its commercial real estate loan portfolio and has focused on originating residential mortgages, both for retention on its balance sheet and for sale to the secondary market. This growth in higher-rate loans has been a primary factor in the increase of total interest income. * **Geographic Expansion and Deposit Gathering:** The company has strategically expanded its physical presence by opening new offices in Virginia, aiming to enhance its deposit-gathering capabilities and broaden its customer base. Growing core deposits provides a stable and lower-cost funding source for loan growth, thereby supporting overall revenue expansion. * **Strategic Loan Pricing and Investment Portfolio Management:** Bank of the James is actively managing its investment portfolio and implementing appropriate rate increases on loans. These actions contribute to year-over-year growth in yields on total earning assets, directly impacting interest income and overall revenue.

    AI Analysis | Feedback

    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.

    Peer Outperformance in Regional Banks

    BOTJ has outperformed 71% of its 262 Regional Banks peers over 5Y. Among the peers that beat it is SRCE. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that BOTJ has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    78%
    of 281 industry peers · 44.0% return
    3Y
    95%
    of 273 industry peers · 169.1% return
    5Y
    71%
    of 262 industry peers · 71.7% return
    Regional Banks peers with revenue growth within 4pp of BOTJ's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    BOTJ Bank of the James Financial 5.6% 9.5x 44.0%169.1%71.7% —
    SRCE 1st Source 7.5% 11.8x 46.3%95.9%95.9% +24pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is BOTJ's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
    Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
    Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
    Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
    Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
    Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
    Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
    Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
    Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
    Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
    Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
    Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
    Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
    Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
    Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
    Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
    Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
    Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

    Latest Trefis Analyses

    Title
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    More From Trefis

    Research & Analysis

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    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    BOTJAUBCARETOWNCFFIFCFMedian
    NameBank of .Atlantic.Carter B.Towne Ba.C&F Fina.First Co. 
    Mkt Price23.9039.1928.3536.62107.8021.0732.48
    Mkt Cap0.15.50.63.40.42.11.4
    Rev LTM511,543214945136546380
    Op Inc LTM-------
    FCF LTM1154959-3917859
    FCF 3Y Avg91,00538-3614138
    CFO LTM1357467-4319267
    CFO 3Y Avg111,02046-3915746

    Growth & Margins

    BOTJAUBCARETOWNCFFIFCFMedian
    NameBank of .Atlantic.Carter B.Towne Ba.C&F Fina.First Co. 
    Rev Chg LTM12.2%28.6%53.9%27.6%4.4%11.3%19.9%
    Rev Chg 3Y Avg5.6%31.3%13.5%10.4%3.0%5.9%8.2%
    Rev Chg Q11.7%3.2%-12.7%24.3%-10.9%5.8%4.5%
    QoQ Delta Rev Chg LTM2.8%0.8%-2.1%5.6%-2.8%1.4%1.1%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM24.8%37.2%31.4%-31.4%35.1%31.4%
    CFO/Rev 3Y Avg23.4%85.4%28.0%-30.5%30.9%30.5%
    FCF/Rev LTM22.2%35.6%27.4%-28.3%32.7%28.3%
    FCF/Rev 3Y Avg19.0%84.2%22.8%-28.1%27.7%27.7%

    Valuation

    BOTJAUBCARETOWNCFFIFCFMedian
    NameBank of .Atlantic.Carter B.Towne Ba.C&F Fina.First Co. 
    Mkt Cap0.15.50.63.40.42.11.4
    P/S2.13.62.93.62.63.93.2
    P/Op Inc-------
    P/EBIT-------
    P/E9.510.44.816.312.112.711.2
    P/CFO8.69.69.2-8.211.19.2
    Total Yield12.2%13.6%20.7%8.0%10.0%10.6%11.4%
    Dividend Yield1.7%4.0%0.0%1.9%1.7%2.7%1.8%
    FCF Yield 3Y Avg10.7%20.7%7.3%-15.5%7.6%10.7%
    D/E0.10.30.00.10.30.10.1
    Net D/E-0.30.1-1.1-0.4-0.8-0.5-0.4

    Returns

    BOTJAUBCARETOWNCFFIFCFMedian
    NameBank of .Atlantic.Carter B.Towne Ba.C&F Fina.First Co. 
    1M Rtn-12.4%2.8%-6.9%3.4%5.5%5.1%3.1%
    3M Rtn-11.4%-6.8%-16.1%-2.2%22.2%-1.1%-4.5%
    6M Rtn3.8%5.6%9.0%6.8%40.7%14.9%7.9%
    12M Rtn43.6%24.3%63.8%17.7%56.3%37.4%40.5%
    3Y Rtn168.5%38.8%143.3%60.2%115.4%76.1%95.7%
    1M Excs Rtn-10.3%5.7%-4.7%6.1%7.1%7.6%5.9%
    3M Excs Rtn-11.1%-5.3%-12.9%-0.6%24.1%-1.1%-3.2%
    6M Excs Rtn-1.0%0.8%4.2%2.0%35.9%10.1%3.1%
    12M Excs Rtn33.9%12.4%51.9%4.8%48.2%25.6%29.7%
    3Y Excs Rtn78.6%-30.3%70.6%-11.6%39.5%7.1%23.3%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/12/20265/12/20263/27/202611/14/20258/13/20255/15/20253/26/202511/12/20248/12/20245/17/20243/27/202411/13/2023
    Key Financials Quarterly            
    Total Revenue131313121211111111101010
    Net Income333331222222
    EPS0.710.610.600.610.600.190.360.440.470.480.450.46
    Key Financials TTM            
    Total Revenue TTM514948464544444342414242
    Net Income TTM11119877889999
    Growth Rates Quarterly            
    Total Revenue Growth11.7%15.6%11.7%10.0%9.2%7.4%8.8%7.7%4.4%-4.0%-4.3%-10.1%
    Net Income Growth19.8%229.5%68.3%38.3%25.9%-61.5%-23.2%-4.2%-15.2%10.2%7.9%-19.3%
    Margins Quarterly            
    Net Income Margin24.1%22.2%21.6%22.5%22.4%7.8%14.3%17.9%19.4%21.7%20.3%20.1%
    Cash & Debt            
    Total Cash403032312631211215229240242202
    Total Debt9999919191920202020
    Net Debt / (Cash)-32-22-23-22-17-12-192-196-209-220-222-182
    Cash Flows Quarterly            
    FCF from Operations152541253-143
    Cash Flows TTM            
    FCF from Operations TTM13161212111191093910
    Returns to Shareholders Quarterly            
    Dividends000000000000
    Share Repurchases-0-0-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC-149.3%153.2%154.3%118.2%25.6%------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM-147.4%126.9%111.0%78.2%50.2%------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Community Banking3936353430
    Holding Company988  
    Investment Advisory5544 
    Mortgage Banking54458
    Eliminations-10-9-9  
    Total4944434338


    Operating Income by Segment
    $ Mil2015201420132012
    Community Banking5442
    Mortgage Banking1000
    Total5543


    Net Income by Segment
    $ Mil20252024202320222021
    Holding Company989  
    Community Banking76776
    Investment Advisory2211 
    Mortgage Banking11012
    Eliminations-10-9-9  
    Total98998


    Assets by Segment
    $ Mil20252024202320222021
    Community Banking1,028966957914986
    Holding Company104107102  
    Investment Advisory10111111 
    Mortgage Banking34232
    Eliminations-106-109-102  
    Total1,039979969929988


    Price Behavior

    Price Behavior
    Market Price$23.96 
    Market Cap ($ Bil)0.1 
    First Trading Date08/10/2000 
    Distance from 52W High-20.2% 
       50 Days200 Days
    DMA Price$27.02$24.04
    DMA Trendindeterminateup
    Distance from DMA-11.3%-0.3%
     3M1YR
    Volatility41.6%30.4%
    Downside Capture88.012.18
    Upside Capture22.9249.38
    Correlation (S&P 500)3.0%4.3%
    BOTJ Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta0.130.060.110.060.120.22
    Up Beta-0.24-0.60-0.07-0.36-0.100.19
    Down Beta-2.42-1.44-1.05-0.27-0.210.17
    Up Capture31%22%17%30%44%15%
    Bmk +ve Days12182862130427
    Stock +ve Days13233465130362
    Down Capture198%119%96%30%11%20%
    Bmk -ve Days10253664121325
    Stock -ve Days9202958111319

    [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
    BOTJ46.0%30.5%1.26-
    Sector ETF (XLF)11.1%15.2%0.477.8%
    Equity (SPY)9.5%13.6%0.415.8%
    Gold (GLD)3.6%28.7%0.11-3.9%
    Commodities (DBC)37.7%21.2%1.40-14.6%
    Real Estate (VNQ)12.0%14.2%0.556.9%
    Bitcoin (BTCUSD)-20.8%43.3%-0.42-5.3%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BOTJ
    BOTJ10.5%33.6%0.38-
    Sector ETF (XLF)9.1%18.4%0.369.3%
    Equity (SPY)11.3%17.3%0.489.6%
    Gold (GLD)17.5%19.1%0.740.9%
    Commodities (DBC)8.0%19.6%0.290.3%
    Real Estate (VNQ)1.2%18.9%-0.0510.6%
    Bitcoin (BTCUSD)5.9%51.5%0.296.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BOTJ
    BOTJ9.4%33.6%0.36-
    Sector ETF (XLF)13.3%22.1%0.5413.2%
    Equity (SPY)14.9%18.0%0.7012.5%
    Gold (GLD)12.0%16.5%0.590.0%
    Commodities (DBC)7.6%18.1%0.335.3%
    Real Estate (VNQ)5.7%20.7%0.2314.0%
    Bitcoin (BTCUSD)61.3%66.2%1.013.5%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.0 Mil
    Short Interest: % Change Since 930202686.5%
    Average Daily Volume0.0 Mil
    Days-to-Cover Short Interest1
    Basic Shares Quantity4.5 Mil
    Short % of Basic Shares0.6%

    Returns Analyses

    Earnings Returns History

    Updated 11/4/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/30/20261.1%  
    7/30/2026-2.1%-1.9%-1.8%
    4/30/2026-0.1%1.1%-0.9%
    2/4/20262.6%-2.2%-1.9%
    10/30/20255.0%4.1%9.1%
    8/4/20250.6%0.2%11.3%
    4/30/20251.7%5.2%5.8%
    1/31/20250.0%-2.9%-7.7%
    ...
    SUMMARY STATS   
    # Positive161612
    # Negative8711
    Median Positive0.9%2.5%8.9%
    Median Negative-1.7%-1.9%-3.2%
    Max Positive5.0%5.6%20.8%
    Max Negative-5.0%-3.2%-12.7%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/30/20261.1%  
    7/30/2026-2.1%-1.9%-1.8%
    4/30/2026-0.1%1.1%-0.9%
    2/4/20262.6%-2.2%-1.9%
    10/30/20255.0%4.1%9.1%
    8/4/20250.6%0.2%11.3%
    4/30/20251.7%5.2%5.8%
    1/31/20250.0%-2.9%-7.7%
    10/25/2024-2.1%0.2%12.2%
    7/29/2024-0.7%-3.2%-1.5%
    4/26/20240.0%2.6%9.4%
    2/2/20240.0%-1.8%-3.2%
    10/20/2023-0.2%1.1%2.7%
    7/21/20232.3%5.6%3.6%
    4/21/20230.7%1.3%-1.6%
    2/6/20232.8%2.4%3.4%
    10/21/20222.6%3.8%3.1%
    7/22/2022-5.0%-1.9%-4.6%
    4/22/20220.2%3.7%-11.6%
    2/15/2022-1.3%-1.7%-5.1%
    10/22/20213.3%2.7%8.7%
    7/26/2021-2.5%2.4%-12.7%
    4/23/20210.0%3.8%20.8%
    1/22/20210.0%1.0%11.3%
    SUMMARY STATS   
    # Positive161612
    # Negative8711
    Median Positive0.9%2.5%8.9%
    Median Negative-1.7%-1.9%-3.2%
    Max Positive5.0%5.6%20.8%
    Max Negative-5.0%-3.2%-12.7%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/12/202610-Q
    03/31/202605/12/202610-Q
    12/31/202503/27/202610-K
    09/30/202511/14/202510-Q
    06/30/202508/13/202510-Q
    03/31/202505/15/202510-Q
    12/31/202403/26/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/12/202410-Q
    03/31/202405/17/202410-Q
    12/31/202303/27/202410-K
    09/30/202311/13/202310-Q
    06/30/202308/11/202310-Q
    03/31/202305/15/202310-Q
    12/31/202203/31/202310-K
    09/30/202211/10/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/12/202610-Q
    03/31/202605/12/202610-Q
    12/31/202503/27/202610-K
    09/30/202511/14/202510-Q
    06/30/202508/13/202510-Q
    03/31/202505/15/202510-Q
    12/31/202403/26/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/12/202410-Q
    03/31/202405/17/202410-Q
    12/31/202303/27/202410-K
    09/30/202311/13/202310-Q
    06/30/202308/11/202310-Q
    03/31/202305/15/202310-Q
    12/31/202203/31/202310-K
    09/30/202211/10/202210-Q
    06/30/202208/12/202210-Q
    03/31/202205/12/202210-Q
    12/31/202103/29/202210-K
    09/30/202111/12/202110-Q
    06/30/202108/12/202110-Q
    03/31/202105/12/202110-Q
    12/31/202003/29/202110-K
    09/30/202011/12/202010-Q
    06/30/202008/12/202010-Q
    03/31/202005/13/202010-Q
    12/31/201903/20/202010-K
    09/30/201911/08/201910-Q

    Insider Activity

    Updated 8/12/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Syrek, Michael APresident - Bank of the JamesDirectBuy812202627.051002,705370,585Form
    2Addison, Lewis C DirectBuy811202627.21701,905538,612Form
    3Foster, Watt R JR DirectBuy810202628.0144712,5203,539,344Form
    4Bryant, William C Iii DirectBuy810202627.1065017,6152,123,719Form
    5Jamerson, Phillip C DirectBuy508202623.401,00023,397425,590Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Syrek, Michael APresident - Bank of the JamesDirectBuy812202627.051002,705370,585Form
    2Addison, Lewis C DirectBuy811202627.21701,905538,612Form
    3Foster, Watt R JR DirectBuy810202628.0144712,5203,539,344Form
    4Bryant, William C Iii DirectBuy810202627.1065017,6152,123,719Form
    5Jamerson, Phillip C DirectBuy508202623.401,00023,397425,590Form
    6Addison, Lewis C DirectBuy507202623.18821,900457,034Form
    7Bryant, William C Iii DirectBuy507202623.111,04324,1041,796,017Form
    8Chapman, Robert RPresidentDirectBuy220202620.891,20025,0682,592,825Form
    9Bryant, William C Iii DirectBuy220202620.8260012,4921,596,332Form
    10Bryant, William C Iii DirectBuy220202620.003967,9201,521,460Form
    11Addison, Lewis C DirectBuy211202620.50931,906402,600Form
    12Jamerson, Phillip C DirectBuy1201202517.591001,759302,372Form
    13Jamerson, Phillip C DirectBuy1201202516.651,01416,883284,548Form
    14Bryant, William C Iii DirectBuy1119202516.75599881,267,590Form
    15Addison, Lewis C DirectBuy1119202516.751131,893327,396Form
    16Jamerson, Phillip C DirectBuy1118202516.755899,866269,273Form
    17Bryant, William C Iii DirectBuy826202515.432,52538,9611,166,786Form
    18Scruggs, J ToddSecretary-TreasurerDirectBuy815202514.303565,091476,887Form
    19Addison, Lewis C DirectBuy814202514.001341,876272,062Form
    20Umberger, Harry P JREVP - Chief Credit OfficerDirectBuy812202513.881381,91528,107Form
    21Syrek, Michael APresident - Bank of the JamesDirectBuy812202513.972503,493190,003Form

    Industry Resources

    External Quote Links


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    Core Cache Last Updated: 11/5/2026