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Bank of the James Financial Group (BOTJ) Fair Value & Analysis

Financial Services · US · Market cap $110M

Price$24.44
Fair Value$25.81
Upside+5.6%
Quality95/100
Evidence: High Range $19.36 – $32.27

Fair value as of: Jun 26, 2026

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Analysis

Bank of the James Financial Group (BOTJ) currently trades at $24.44, while our model-based Fair Value estimate is $25.81 — implying the stock looks roughly 5.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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 cre…

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Frequently asked questions

Is Bank of the James Financial Group (BOTJ) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $25.81 versus a price of $24.44 — about +6% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BOTJ?
Our 21-model fair value for Bank of the James Financial Group is $25.81 (as of Jun 26, 2026), built from audited fundamentals. The current price is $24.44.
What is the quality score of BOTJ?
Bank of the James Financial Group has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.