Skip to content 
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 Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management) segments. 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. more
| Time Frame | BOTJ | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | -4.62% | -1.03% | 2.13% |
| 1-Month Return | 9.1% | -4.61% | -0.47% |
| 3-Month Return | 19.38% | -1.73% | 1.29% |
| 6-Month Return | 43.2% | 0.53% | 7.71% |
| 1-Year Return | 53.88% | 2.69% | 14.7% |
| 3-Year Return | 51.67% | 42.89% | 67.75% |
| 5-Year Return | 59.69% | 67.32% | 76.25% |
| 10-Year Return | 89.68% | 216.85% | 271.83% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 39.29M | 44.17M | 51.42M | 58.96M | 46.66M | [{"date":"2021-12-31","value":66.63,"profit":true},{"date":"2022-12-31","value":74.92,"profit":true},{"date":"2023-12-31","value":87.21,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":79.12,"profit":true}] |
| Cost of Revenue | 1.60M | 1.25M | 9.44M | 14.75M | - | [{"date":"2021-12-31","value":10.86,"profit":true},{"date":"2022-12-31","value":8.47,"profit":true},{"date":"2023-12-31","value":64.01,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Gross Profit | 37.69M | 42.92M | 41.98M | 44.21M | - | [{"date":"2021-12-31","value":85.24,"profit":true},{"date":"2022-12-31","value":97.09,"profit":true},{"date":"2023-12-31","value":94.95,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Gross Margin | 95.92% | 97.17% | 81.64% | 74.98% | - | [{"date":"2021-12-31","value":98.72,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":84.01,"profit":true},{"date":"2024-12-31","value":77.16,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Operating Expenses | 28.23M | 31.81M | 31.70M | 34.29M | - | [{"date":"2021-12-31","value":82.34,"profit":true},{"date":"2022-12-31","value":92.78,"profit":true},{"date":"2023-12-31","value":92.46,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Operating Income | 9.45M | 11.11M | 10.28M | 9.92M | - | [{"date":"2021-12-31","value":85.07,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":92.52,"profit":true},{"date":"2024-12-31","value":89.32,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Total Non-Operating Income/Expense | 23.75M | 25.45M | 27.34M | 25.63M | - | [{"date":"2021-12-31","value":86.85,"profit":true},{"date":"2022-12-31","value":93.06,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":93.73,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 9.45M | 11.11M | 10.28M | 9.92M | - | [{"date":"2021-12-31","value":85.07,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":92.52,"profit":true},{"date":"2024-12-31","value":89.32,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income Taxes | 1.86M | 2.15M | 1.57M | 1.98M | - | [{"date":"2021-12-31","value":86.56,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":73.22,"profit":true},{"date":"2024-12-31","value":92,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income After Taxes | 7.59M | 8.96M | 8.70M | 7.94M | - | [{"date":"2021-12-31","value":84.71,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":97.15,"profit":true},{"date":"2024-12-31","value":88.67,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 7.59M | 8.96M | 8.55M | 7.94M | - | [{"date":"2021-12-31","value":84.71,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":95.43,"profit":true},{"date":"2024-12-31","value":88.67,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 7.59M | 8.96M | 8.70M | 7.94M | - | [{"date":"2021-12-31","value":84.71,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":97.15,"profit":true},{"date":"2024-12-31","value":88.67,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| EPS (Diluted) | 1.63 | 1.90 | 1.90 | 1.75 | 1.99 | [{"date":"2021-12-31","value":82.1,"profit":true},{"date":"2022-12-31","value":95.8,"profit":true},{"date":"2023-12-31","value":95.58,"profit":true},{"date":"2024-12-31","value":88.05,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| BOTJ | |
|---|---|
| ROA (LTM) | 0.89% |
| ROE (LTM) | 12.45% |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| BOTJ | |
|---|---|
| Trailing PE | 10.21 |
| Forward PE | NM |
| P/S (TTM) | 1.90 |
| P/B | 1.17 |
| Price/FCF | 20 |
| EV/R | 2.14 |
| EV/Ebitda | NM |
| PEG | NM |
Bank of the James Financial Group (BOTJ) share price today is $20.57
Yes, Indians can buy shares of Bank of the James Financial Group (BOTJ) on Vested. To buy
Yes, you can purchase fractional shares of Bank of the James Financial Group (BOTJ) via the Vested app. You can start investing in Bank of the James Financial Group (BOTJ) with a minimum investment of $1.
You can invest in shares of Bank of the James Financial Group (BOTJ) via Vested in three simple steps:
The 52-week high price of Bank of the James Financial Group (BOTJ) is $21.49. The 52-week low price of Bank of the James Financial Group (BOTJ) is $12.45.
The price-to-earnings (P/E) ratio of Bank of the James Financial Group (BOTJ) is 10.206
The price-to-book (P/B) ratio of Bank of the James Financial Group (BOTJ) is 1.17
The dividend yield of Bank of the James Financial Group (BOTJ) is 0.00%
The market capitalization of Bank of the James Financial Group (BOTJ) is $90.96M
The stock symbol (or ticker) of Bank of the James Financial Group is BOTJ
Consider the share price of Bank of the James Financial Group as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether Bank of the James Financial Group has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in Bank of the James Financial Group shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the Bank of the James Financial Group stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of Bank of the James Financial Group and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that Bank of the James Financial Group stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
Link copied 
