Bank of the James Financial Group, Inc. (BOTJ)
Financials · NCM
Price as at 30 Sept 2026, 16:39 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Bank of the James Financial Group, Inc. trades at $27.01, which is 120% below the $59.49 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 39 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 10.7 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
BOTJ dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.300 | 3 |
| 2025 | $0.400 | 4 |
| 2024 | $0.400 | 4 |
| 2023 | $0.320 | 4 |
| 2022 | $0.290 | 4 |
| 2021 | $0.267 | 4 |
| 2020 | $0.255 | 4 |
| 2019 | $0.255 | 5 |
| 2018 | $0.218 | 4 |
| 2017 | $0.218 | 4 |
| 2016 | $0.218 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
About Bank of the James Financial Group, Inc.
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 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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
BOTJ passes 5 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
BOTJ peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Bank of the James Financial Group, Inc. (BOTJ) undervalued?
Against our fair value estimate of $59.49, BOTJ at $27.01 is 120% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
What is BOTJ's P/E ratio?
BOTJ trades at 10.7 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Bank of the James Financial Group, Inc. (BOTJ) pay a dividend?
Yes. Bank of the James Financial Group, Inc. yields 1.44% at the current share price. It has paid $0.400 per share over the trailing twelve months. It has paid a dividend in each of the last 12 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its BOTJ data?
Fundamentals for BOTJ come from company filings and exchange data, as listed on NCM; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 30 Sept 2026, 16:39 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for BOTJ, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.