Stock Scorecard

Stock Summary for Bank of James Financial Group Inc (BOTJ) - $17.05 as of 10/31/2025 7:10:16 PM EST

Total Score

19 out of 30

Safety Score

47 out of 100

Currently on the following lists
None
Tim's Recommendation
Possible Buy

Growth List Algorithm Criteria for BOTJ

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for BOTJ

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for BOTJ

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for BOTJ

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for BOTJ (47 out of 100)

Stock Price Rating (Max of 10) 6
Historical Stock Price Rating (Max of 10) 5
Stock Price Trend (Max of 10) 9
Book Value (Max of 10) 6
Book Value to Price (Max of 10) 2
Analyst Buy Ratings (Max of 5) 0
Analyst Strong Buy Ratings (Max of 5) 0
Dividend Yield Percentage (Max of 10) 4
Operating Margin (Max of 10) 5
Trading Volume (Max of 10) 1
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for BOTJ

Company Overview
Ticker BOTJ
Company Name Bank of James Financial Group Inc
Country USA
Description Bank of the James Financial Group, Inc. is a regional financial institution headquartered in Lynchburg, Virginia, providing a diverse array of commercial and retail banking services to individuals, businesses, associations, and government entities throughout the state. The bank emphasizes community engagement and custom financial solutions, positioning itself as a vital contributor to local economic development while fostering strong customer relationships. With its solid Virginia roots, Bank of the James is strategically positioned to leverage favorable market trends, ensuring a pathway for sustainable growth and profitability.
Sector Name FINANCIAL SERVICES
Industry Name BANKS - REGIONAL
Most Recent Quarter 6/30/2025
Next Earnings Date 1/29/2026

Stock Price History
Last Day Price 17.05
Price 4 Years Ago 13.91
Last Day Price Updated 10/31/2025 7:10:16 PM EST
Last Day Volume 15,654
Average Daily Volume 2,358
52-Week High 17.05
52-Week Low 11.31
Last Price to 52 Week Low 50.75%

Valuation Measures
Trailing PE 10.28
Industry PE 16.48
Sector PE 22.96
5-Year Average PE 9.85
Free Cash Flow Ratio 3.43
Industry Free Cash Flow Ratio 9.32
Sector Free Cash Flow Ratio 31.22
Current Ratio Most Recent Quarter 717.16
Total Cash Per Share 4.97
Book Value Per Share Most Recent Quarter 15.77
Price to Book Ratio 0.98
Industry Price to Book Ratio 1.11
Sector Price to Book Ratio 2.28
Price to Sales Ratio Twelve Trailing Months 1.59
Industry Price to Sales Ratio Twelve Trailing Months 2.94
Sector Price to Sales Ratio Twelve Trailing Months 3.75
Analyst Buy Ratings N/A
Analyst Strong Buy Ratings N/A

Share Statistics
Total Shares Outstanding 4,543,300
Market Capitalization 77,463,265
Institutional Ownership 23.13%

Dividends
Ex-Dividend Date 9/12/2025
Previous Dividend Amount 0.1000
Current Dividend Amount 0.1000
Total Years Dividend Increasing 5
Trailing Annual Dividend Rate 0.40
Trailing Annual Dividend Yield 2.46%
Forward Annual Dividend Rate 0.40
Forward Annual Dividend Yield 2.46%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 2.57%
5-Year Average Dividend Yield 2.48%
1-Year Dividend Growth Rate Percentage 0.00%
3-Year Dividend Growth Rate Percentage 0.00%
5-Year Dividend Growth Rate Percentage 10.61%
All-Time Dividend Growth Rate Percentage 8.01%
Dividend Payout Ratio 25.32%

Income Statement
Quarterly Earnings Growth YOY 25.90%
Annual Earnings Growth -8.73%
Reported EPS 12 Trailing Months 1.58
Reported EPS Past Year 0.78
Reported EPS Prior Year 1.75
Net Income Twelve Trailing Months 3,608,000
Net Income Past Year 7,944,000
Net Income Prior Year 8,704,000
Quarterly Revenue Growth YOY 12.70%
5-Year Revenue Growth 10.16%
Operating Margin Twelve Trailing Months 28.50%

Balance Sheet
Total Cash Most Recent Quarter 22,587,000
Total Cash Past Year 23,287,000
Total Cash Prior Year 25,613,000
Net Cash Position Most Recent Quarter 13,595,000
Net Cash Position Past Year 3,939,000
Long Term Debt Past Year 19,348,000
Long Term Debt Prior Year 19,932,000
Total Debt Most Recent Quarter 8,992,000
Equity to Debt Ratio Past Year 0.77
Equity to Debt Ratio Most Recent Quarter 0.89
Total Stockholder Equity Past Year 64,865,000
Total Stockholder Equity Prior Year 60,039,000
Total Stockholder Equity Most Recent Quarter 71,665,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 8,567,000
Free Cash Flow Per Share Twelve Trailing Months 1.89
Free Cash Flow Past Year 5,959,000
Free Cash Flow Prior Year 7,918,000

Options
Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.19
MACD Signal 0.15
20-Day Bollinger Lower Band 12.88
20-Day Bollinger Middle Band 14.85
20-Day Bollinger Upper Band 16.81
Beta 0.29
RSI 60.65
50-Day SMA 11.84
150-Day SMA 0.00
200-Day SMA 11.94

System
Modified 10/31/2025 7:11:04 PM EST