Bank of the James Financial Group Inc (BOTJ) stock
BOTJNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 12, 2026Score 13/3011% above fair value
$24.77−0.62 (-2.44%)
Close on Nov 12, 2026Market cap $112.54MP/E 9.3Yield 1.61%
Bank of the James Financial statistics
92 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 3, 2027 (estimated, during market hours)
- Last ex-dividend date
- Nov 20, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.59
- 1.52
- P/OCF Ratio
- 8.23
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 11.28
- 2.95
- EV / FCF
- 4.14
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- 0.00%
- 0.35%
- Shares Change (QoQ)
- 0.00%
- 0.00%
- Float
- 4M
- 17M
- Shares Held by Insiders
- 9.43%
- 6.05%
- Shares Held by Institutions
- 31.7%
- 61.3%
Short sellingIndustry
- Short Interest
- 35,380
- –
- Short Interest Change
- 30.8%
- -4.13%
- Short % of Float
- 0.86%
- 3.58%
- Short % of Shares Outstanding
- 0.78%
- 3.18%
- Days to Cover
- 1.00
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $30.84
- –
- 52-Week Low
- $16.49
- –
- 20-Day Moving Average
- $26.25
- –
- 50-Day Moving Average
- $26.83
- –
- 200-Day Moving Average
- $24.32
- –
- Average True Range (14)
- $1.02
- –
- Price Change (1 Week)
- 3.38%
- 0.51%
- Price Change (1 Month)
- -8.33%
- 4.83%
- Price Change (3 Months)
- -10.8%
- -3.58%
- Price Change (6 Months)
- 7.93%
- 10.8%
- Price Change (YTD)
- 33.3%
- 19.6%
- Price Change (1 Year)
- 44.0%
- 25.4%
- Price Change (3 Years)
- 147.7%
- 76.7%
- Price Change (5 Years)
- 51.0%
- 26.5%
- Price Change (10 Years)
- 110.8%
- 67.0%
- Average Volume (10 Days)
- 23,558
- –
- Average Volume (20 Days)
- 36,015
- –
- Average Volume (90 Days)
- 37,269
- –
- Relative Volume
- 0.28
- 0.67
- Relative Strength Index (14)
- 41.4
- 52.6
- Volatility (1 Year)
- 30.7%
- 24.4%
- Beta (5 Years)
- 0.31
- 0.63
MarginsIndustry
- Pretax Margin
- 337.7%
- 36.9%
- FCF Margin
- 272.6%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 15.5%
- 10.8%
- Return on Assets (ROA)
- 1.16%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 10.5%
- 11.8%
- Net Income Growth (YoY)
- 52.3%
- 22.7%
- EPS Growth (YoY)
- 50.6%
- 21.6%
- FCF Growth (YoY)
- 14.7%
- 27.5%
- Revenue Growth (3Y CAGR)
- 5.97%
- 5.82%
- Revenue Growth (5Y CAGR)
- 16.0%
- 6.17%
- EPS Growth (3Y CAGR)
- 1.38%
- 1.31%
- EPS Growth (5Y CAGR)
- 13.9%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.00
- 0.04
- Revenue Per Employee
- $25.73K
- $359.04K
- Profits Per Employee
- $68.90K
- $110.51K
- Employee Count
- 175
- 492
- WACC
- 7.38%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $15.21M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $61.76M
- $166.15M
- Net Cash Per Share
- $13.59
- $8.19
- Equity (Book Value)
- $78.45M
- $570.13M
- Book Value Per Share
- $17.27
- $28.22
- Tangible Book Value
- $70.65M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$1.40M
- -$4.27M
- FCF Per Share
- $2.70
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 10.7%
- 8.32%
- FCF Yield
- 10.9%
- 9.23%
- Dividend Yield
- 1.61%
- 2.44%
- Shareholder Yield
- 1.61%
- 3.22%
- Dividend Per Share
- $0.40
- $0.92
- Dividend Growth (YoY)
- 0.00%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 15.1%
- 29.0%
- FCF Payout Ratio
- 14.8%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $3.15M
- $16.14M
- Effective Tax Rate
- 20.7%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $32.09
- $45.31
- Graham Upside
- 29.5%
- 18.8%
- Altman Z-Score
- 0.15
- 0.22
- Piotroski F-Score
- 7
- 6
- Lynch Fair Value
- $36.72
- –
- Lynch Upside
- 48.3%
- -0.36%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | BOTJ | S&P 500 | Difference | BOTJ per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -8.8% | -2.7% | −6.1 pts | ||
| 3 months | -9.6% | -1.7% | −7.9 pts | ||
| Year to date | +35.0% | +11.9% | +23.2 pts | ||
| 1 year | +50.5% | +12.0% | +38.5 pts | ||
| 3 years | +168.5% | +78.2% | +90.3 pts | +39.0% | +21.2% |
| 5 years | +72.0% | +73.2% | −1.3 pts | +11.5% | +11.6% |
| 10 years | +163.5% | +309.6% | −146.2 pts | +10.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M BOTJ shares were sold short on Oct 30, 2026, up 30.8% from the previous report, or 0.86% of the shares available to trade. At recent volumes it would take 1.0 days to buy them back. Over the last 20 sessions, 30.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 35,380 | +30.8% | 46,555 | 1.0 |
| Oct 15, 2026 | 27,043 | +86.5% | 41,051 | 1.0 |
| Sep 30, 2026 | 14,501 | -19.0% | 46,933 | 1.0 |
| Sep 15, 2026 | 17,903 | +34.6% | 29,253 | 1.0 |
| Aug 31, 2026 | 13,297 | +45.9% | 35,536 | 1.0 |
| Aug 14, 2026 | 9,116 | -38.0% | 47,939 | 1.0 |
| Jul 31, 2026 | 14,695 | +33.4% | 28,675 | 1.0 |
| Jul 15, 2026 | 11,016 | +84.0% | 24,162 | 1.0 |
| Jun 30, 2026 | 5,988 | -30.9% | 26,934 | 1.0 |
| Jun 15, 2026 | 8,664 | -14.0% | 19,096 | 1.0 |
| May 29, 2026 | 10,079 | +33.7% | 13,833 | 1.0 |
| May 15, 2026 | 7,540 | +0.6% | 15,938 | 1.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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