BANK OF THE JAMES FINANCIAL GROUP INC
BOTJNasdaq
$26.70
↓ -0.6%Jul 17 close · end-of-day
Price
1Y↑ +96.6%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$121.3M
Enterprise Value
$121.3M
P/E
11.1
P/S
28.3
P/B
1.5
EV/EBITDA
—
PEG
8.0
FCF Yield
12.1%
Dividend Yield
1.5%
Revenue (TTM)
$4.3M
Net Income (TTM)
$11.0M
Free Cash Flow (TTM)
$14.7M
Gross Margin
—
Operating Margin
—
Net Margin
255.6%
ROE
13.5%
ROIC
—
Debt / Equity
—
Net Cash
—
Return 1Y
+94.9%
Company profile
Bank of the James Financial Group, Inc. provides general retail and commercial banking services to individuals, businesses, associations and organizations. It offers checking, savings, individual retirement, and health care saving accounts. The company also offers loans to small- and medium-sized businesses.
- CEO
- Robert R. Chapman
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 160
- Website
- bankofthejames.bank
Management & directors
- Chapman Robert RPresident
- Scruggs J ToddSecretary-Treasurer
- Umberger Harry P JrEVP - Chief Credit Officer
- Syrek Michael APresident - Bank of the James
Roles derived from SEC Form 4 filings.
Earnings
BOTJ Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$994,000.00↑ +1.3%
Diluted EPS$0.61↑ +221.1%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $2.0M | $2.5M | $3.6M | $3.9M | $4.0M | $4.3M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $5.0M | $7.6M | $9.0M | $8.7M | $7.9M | $9.0M |
| Diluted EPS | $1.04 | $1.60 | $1.91 | $1.91 | $1.75 | $1.99 |
| Operating cash flow | $5.2M | $16.3M | $9.3M | $9.5M | $8.5M | $11.7M |
| Free cash flow | $3.4M | $13.4M | $8.1M | $7.9M | $6.0M | $10.5M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 245.0% | 304.0% | 249.5% | 223.1% | 198.5% | 211.1% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $986,000.00 | $991,000.00 | $1.1M | $981,000.00 | $975,000.00 | $1.0M | $1.3M | $994,000.00 |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $2.1M | $2.0M | $1.6M | $842,000.00 | $2.7M | $2.8M | $2.7M | $2.8M |
| Diluted EPS | $0.47 | $0.44 | $0.36 | $0.19 | $0.60 | $0.61 | $0.59 | $0.61 |
| Operating cash flow | $2.9M | $5.0M | $1.9M | $763,000.00 | $3.7M | $5.3M | $2.0M | $4.7M |
| Free cash flow | $2.8M | $3.4M | $1.5M | $141,000.00 | $3.5M | $5.1M | $1.3M | $4.4M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 217.8% | 200.8% | 150.8% | 85.8% | 277.4% | 263.1% | 214.2% | 279.1% |
Company news
Jul 8, 2026
Jun 9, 2026
Jun 8, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-05-07 | JAMERSON PHILLIP C | Buy | 1,000 | $23.40 | $23,396.90 | filing |
| 2026-05-07 | ADDISON LEWIS C | Buy | 82 | $23.18 | $1,900.35 | filing |
| 2026-05-06 | BRYANT WILLIAM C III | Buy | 1,043 | $23.11 | $24,103.73 | filing |
| 2026-02-20 | CHAPMAN ROBERT R· President | Buy | 1,200 | $20.89 | $25,068.00 | filing |
| 2026-02-19 | BRYANT WILLIAM C III | Buy | 600 | $20.82 | $12,492.00 | filing |
| 2026-02-12 | BRYANT WILLIAM C III | Buy | 396 | $20.00 | $7,920.00 | filing |
| 2026-02-10 | ADDISON LEWIS C | Buy | 93 | $20.50 | $1,906.50 | filing |
| 2025-11-25 | JAMERSON PHILLIP C | Buy | 100 | $17.59 | $1,759.00 | filing |
| 2025-11-24 | JAMERSON PHILLIP C | Buy | 1,014 | $16.65 | $16,883.10 | filing |
| 2025-11-18 | JAMERSON PHILLIP C | Buy | 589 | $16.75 | $9,865.75 | filing |
| 2025-11-17 | ADDISON LEWIS C | Buy | 113 | $16.75 | $1,892.75 | filing |
| 2025-11-17 | BRYANT WILLIAM C III | Buy | 59 | $16.75 | $988.25 | filing |
| 2025-08-25 | BRYANT WILLIAM C III | Buy | 2,525 | $15.43 | $38,960.75 | filing |
| 2025-08-14 | SCRUGGS J TODD· Secretary-Treasurer | Buy | 356 | $14.30 | $5,090.76 | filing |
| 2025-08-13 | ADDISON LEWIS C | Buy | 134 | $14.00 | $1,876.00 | filing |
| 2025-08-12 | UMBERGER HARRY P JR· EVP - Chief Credit Officer | Buy | 138 | $13.88 | $1,915.44 | filing |
| 2025-08-11 | SYREK MICHAEL A· President - Bank of the James | Buy | 243 | $13.97 | $3,394.71 | filing |
| 2025-08-11 | SYREK MICHAEL A· President - Bank of the James | Buy | 7 | $14.00 | $98.00 | filing |
Latest 18 transactions.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.