Bank of the James Financial Group, Inc. - Common Stock (BOTJ)
Financial Services › State Commercial Banks
Price History
Feb 9, 2026 — May 4, 2026Investment Snapshot
- Trading 15% below Graham Number — thin margin of safety
- Piotroski F-Score 4/9 — moderate financial health
- ROE of 10.4% — below-average profitability
Bank of the James Financial Group, Inc. - Common Stock (BOTJ) is a Financial Services company operating in State Commercial Banks, listed on the NASDAQ , with a market capitalisation of $104 million . Key value metrics: P/E ratio 12.6, P/B ratio 1.30, Piotroski F-Score 4 out of 9 (moderate financial health) .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
Bank of the James Financial Group, Inc. - Common Stock — Fundamental Analysis Summary
Bank of the James Financial Group, Inc. - Common Stock (BOTJ) is trading 15% below its Graham Number of $26.89, offering a thin margin of safety. The stock carries a reasonable trailing P/E ratio of 12.6x.
On financial health, BOTJ shows a moderate Piotroski F-Score of 4/9, and modest return on equity of 10.4% (sector average: 4.9%), and high leverage with a debt-to-equity ratio of 12.25.
StockPik's composite Value Score for BOTJ is 72/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
BOTJ shows earnings growing at 14%.
BOTJ pays a modest dividend yield of 1.7%.