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Bank of the James Financial Group (BOTJ) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank of the James Financial Group stock $16.53, price $24.44, that is 32.4% below the price, quality 54 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $15.04 to bull $20.50 Growth analysisrevenue history, year by year Quality 54/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Broad data Nov 6, 2026

Bank of the James Financial Group

BOTJ · US

Solid, but expensive

Our calculation puts a fair price 32% below what the stock costs today.

Healthy Growth (revenue 5y +9.6 %/yr in USD)

Highly profitable · 22.4% net margin (TTM)

1.6% dividend yield · Low payout

Broad data

Costs just 9.7 times its yearly profit.

Quality 54/100

Mixed vs. peers (6/14)

Wide moat 65/100 · thin data

Insiders bought $34,746 (6M)

Fair value $16.53 · Overvalued

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $7.90 – $30.01 · fair‑value band $15.04 – $20.50 · the $24.44 price screens above the $16.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 6, 2026.

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Company profile

Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States.

Show moreShow less

It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management).

The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit.

It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans.

In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay.

Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.

Stock analysis

Bank of the James Financial Group (BOTJ) currently trades at $24.44, while our model-based Fair Value estimate is $16.53, 32% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $22.22 per share, and 1 of the 6 models we run sit above the $24.44 price.

Bear case: the Dividend Discount group reads lowest at $5.22, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $15.04 (bear) to $20.50 (bull), the price of $24.44 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank of the James Financial Group reported revenue of $62.5M in FY2025 versus $39.3M in FY2021, a compound +12.3%/yr. Reported net income was $9.0M in FY2025, compounding +4.4%/yr from FY2021.

Key figures

Market cap $111M Micro · P/E ratio 9.7 · P/S ratio 2.17 · EPS (TTM) $2.53 · Dividend yield 1.6% · Net margin 22.4% · Return on equity 14.8% · Return on assets (EBIT) 1.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).

What moves the price

The share trades about 19% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −32%, BOTJ screens richer than that median.

Fair Value models

Bear $15.04 Fair Value $16.53 Bull $20.50

Price $24.44 · Downside -32.4%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.83 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $15.04 $16.53 $20.50 76

Gordon GGM $3.05 $5.43 $7.40 68

DDM Multi-Stage $3.05 $5.00 $5.81 67

All 6 models by family

Dividend Discount

Gordon GGM $3.05 $5.43 $7.40 68

DDM Multi-Stage $3.05 $5.00 $5.81 67

Multiples

P/E Multiple $19.36 $25.81 $32.27 63

P/B Multiple $13.97 $18.62 $23.28 55

Asset-Based

NCAV (Graham) $7.91 $10.59 $15.81 54

Economic Profit

Residual Income $15.04 $16.53 $20.50 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 54/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29

How much profit the company makes from its sales and capital

Quality Growth 53

Are margins and returns getting better?

Cashflow 71

Do the profits arrive as real cash?

Financial strength 9

Debt, balance sheet and risk of trouble

Investment 66

Does it invest with discipline instead of growing at any price?

Low Volatility 82

How calm the share price moves, does not count

Price momentum 60

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 72

Distance to the 52-week high, does not count

New shares 82

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 4 officers or directors bought shares worth $34,746, most recently on Aug 10, 2026. Buying cluster

BuyLewis C AddisonDirector4× since Nov 17, 2025: 358 shares, avg. $21.24$7,605Aug 10, 2026
BuyMichael A SyrekPresident - Bank of the James100 shares at $27.05$2,705Aug 7, 2026
BuyWilliam C Bryant IIIDirector4× since Nov 17, 2025: 2,748 shares, avg. $22.97$63,119Aug 6, 2026
BuyWatt R Foster JrDirector447 shares at $28.01$12,520Aug 6, 2026
BuyPhillip C JamersonDirector3× since Nov 18, 2025: 2,703 shares, avg. $19.20$51,908May 7, 2026
BuyRobert R ChapmanPresident, Director1,200 shares at $20.89$25,068Feb 20, 2026

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 90/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+6.0%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+12.3%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+9.6%

Start year 2020 (pandemic). Over 10 years: +10.0% a year

Revenue growth 24 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+10.6%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+12.9%

Earnings growth per share plus dividend.

Earnings per share, growth per year+11.3%

Dividend (yield on the price)1.6%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11.3% vs 8.0%, picking up

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 18%

Pace: the 5-year rate starts in 2020 (pandemic)

BOTJ screens overvalued: fair value 32% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 6/14 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 54 · Below median

Fair Value upside −32.4% · Below median

Profitability

Return on equity (12 months) 14.8% · Top 25%

Return on assets 0.9% · Below median

Net margin (12 months) 22.4% · Below median

Operating margin (12 months) 32.3% · Below median

Growth and dividend

Revenue growth (quarter YoY) 4.1% · Below median

Dividend yield (12 months) 1.6% · Below median

Balance sheet

Debt / equity 0.11× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.7× · Cheaper than median

P/B 1.39× · Pricier than median

P/S (12 months) 2.17× · Cheapest 25%

Price / free cash flow (fiscal year) 10.6× · Cheaper than median

EV/EBITDA 7.3× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 8

FUTURE (revenue growth)21 · sector 47

PAST (return on equity)59 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)33 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs BOTJ
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs BOTJ
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs BOTJ
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs BOTJ
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs BOTJ
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs BOTJ
Mizuho Financial Group MFG	$9.40	$5.89	−37%	vs BOTJ
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs BOTJ
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs BOTJ
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs BOTJ

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Cite: Fair Value Calculator (2026). "Bank of the James Financial Group Fair Value". https://www.fairvalue-calculator.com/stock/BOTJ

Frequently asked questions

Is Bank of the James Financial Group (BOTJ) overvalued or undervalued?

As of Nov 6, 2026, our model estimates a fair value of $16.53 versus a price of $24.44, about 32% lower (overvalued).

What is the fair value of BOTJ?

Our model-based fair value for Bank of the James Financial Group is $16.53 (as of Nov 6, 2026), built from audited fundamentals. The current price: $24.44.

What is the quality score of BOTJ?

Bank of the James Financial Group has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Bank of the James Financial Group (BOTJ)?

Our model-based price target is the fair value of $16.53 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $15.04, optimistic scenario $20.50. It is a calculation from audited fundamentals, not an analyst target.

What is the Bank of the James Financial Group stock forecast for 2026?

Our models put fair value at $16.53, about 32% lower versus a price of $24.44 (overvalued). Cautious scenario $15.04, optimistic scenario $20.50. The calculation is refreshed regularly with new filings.

What is the revenue of Bank of the James Financial Group (BOTJ)?

Bank of the James Financial Group reported trailing-twelve-month revenue of about $51.2M (latest available figure, as of Nov 6, 2026).

Does Bank of the James Financial Group pay a dividend?

Bank of the James Financial Group currently shows a dividend yield of 1.64% relative to its recent price (as of Nov 6, 2026).

How much is the dividend of Bank of the James Financial Group (BOTJ) and when is the ex-dividend date?

Bank of the James Financial Group pays a dividend of $0.4 per share a year, a dividend yield of 1.6%. The next ex-dividend date is Nov 20, 2026. A dividend has been paid every year since at least 2014. The payout ratio is 15.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of Bank of the James Financial Group (BOTJ)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of the James Financial Group it is $16.53 per share (as of Nov 6, 2026), against a price of $24.44. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is Bank of the James Financial Group stock overvalued or undervalued in 2026?

As of Nov 6, 2026, BOTJ trades above its calculated fair value: price $24.44, fair value $16.53, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of BOTJ?

No. The price is what the market pays today ($24.44); the fair value is what the company's own numbers justify ($16.53). For Bank of the James Financial Group the two are $7.91 per share apart. That gap is exactly why we show both numbers side by side.

How much is Bank of the James Financial Group worth?

The market values Bank of the James Financial Group at about $111M (market capitalisation, as of Nov 6, 2026). Per share that is $24.44; our models calculate a fair value of $16.53 per share.

What do the bullish and bearish scenarios say about BOTJ?

Our models span a range for Bank of the James Financial Group: cautious scenario $15.04, base $16.53, optimistic $20.50 per share (as of Nov 6, 2026, price $24.44). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of BOTJ?

Bank of the James Financial Group trades at a price-to-earnings ratio of 9.7 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $16.53 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 9.1. Other multiples: P/B 1.4, P/S 2.2, EV/EBITDA 7.3.

How solid is the balance sheet of Bank of the James Financial Group (BOTJ)?

Balance-sheet figures for Bank of the James Financial Group (as of Nov 6, 2026): return on equity 14.8%, debt of 0.11 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.

How far is BOTJ from its 52-week high?

Bank of the James Financial Group trades at $24.44, about 19% below its 52-week high of $30.01 and 49% above the low of $16.39 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $16.53 is for.

Which stocks are comparable to Bank of the James Financial Group?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Bank of the James Financial Group stock attractive at the current price?

The data as of Nov 6, 2026: price $24.44, calculated fair value $16.53 (−32%), Quality Score 54/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of BOTJ calculated?

We run Bank of the James Financial Group through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $16.53 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.3% above its aggregate fair value. Bank of the James Financial Group itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Bank of the James Financial Group (BOTJ)?

The closing price on Nov 6, 2026 was $24.44. Our model-based fair value is $16.53, about 32% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Bank of the James Financial Group right now?

The price sits above even our optimistic bull case ($20.50). The favourable scenario is already priced in. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of Bank of the James Financial Group (BOTJ) come from?

Earnings per share at Bank of the James Financial Group grew +9.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.9 %, EBIT margin −1.4 %, tax rate +1.8 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank of the James Financial Group

How large is the market capitalisation of Bank of the James Financial Group (BOTJ)?

The market capitalisation of Bank of the James Financial Group is $111M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Bank of the James Financial Group (BOTJ)?

The price-to-sales ratio of Bank of the James Financial Group is 2.17 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Bank of the James Financial Group (BOTJ)?

Earnings per share at Bank of the James Financial Group are $2.53 (price ÷ EPS = P/E 9.7). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Bank of the James Financial Group (BOTJ)?

The dividend yield of Bank of the James Financial Group is 1.6% (payout 15.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Bank of the James Financial Group (BOTJ)?

The net margin of Bank of the James Financial Group is 22.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Bank of the James Financial Group (BOTJ)?

The return on equity (ROE) of Bank of the James Financial Group is 14.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Bank of the James Financial Group (BOTJ)?

On an EBIT basis the return on assets of Bank of the James Financial Group is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Bank of the James Financial Group (BOTJ)?

The operating margin of Bank of the James Financial Group is 32.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Bank of the James Financial Group (BOTJ)?

Revenue at Bank of the James Financial Group is growing +4.1% versus a year earlier (3y avg +12.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Bank of the James Financial Group (BOTJ)?

Earnings per share at Bank of the James Financial Group are growing +19.8% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Bank of the James Financial Group (BOTJ) generate?

The free cash flow of Bank of the James Financial Group is $10.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net cash does Bank of the James Financial Group (BOTJ) hold?

Bank of the James Financial Group holds more cash than debt, $19.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.

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