What is Bank of the James Financial Group, Inc.'s (BOTJ) StockRank?

MoatMap's StockRank for Bank of the James Financial Group, Inc. (BOTJ) is 88/100, with a Strong Buy signal. This is a composite score combining Quality (61), Value (49), and Momentum (77) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Bank of the James Financial Group, Inc. have an economic moat?

Bank of the James Financial Group, Inc. (BOTJ) has a Quality factor score of 61/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Bank of the James Financial Group, Inc. a buy, hold, or sell?

MoatMap's current signal for Bank of the James Financial Group, Inc. (BOTJ) is Strong Buy, based on a StockRank of 88/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Bank of the James Financial Group, Inc. in?

Bank of the James Financial Group, Inc. (BOTJ) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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BOTJ

Strong BuyPremium GrowerFLAG

Bank of the James Financial Group, Inc. · Financial Services · United States · $123M · Avg Vol: $1M/d

StockRank

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P/E (TTM)

10.9x

ROE

14.8%

D/E

0.1x

Dividend %

1.5%

AI CONVICTION THESIS

Bank of the James has value at V49, just below the calibrated floor, so the strong M78 momentum cannot carry it. A 111M-cap Virginia community bank.

COMPANY DESCRIPTION

Bank of the James Financial Group, Inc. is a regional bank holding company offering a comprehensive range of retail and commercial banking products and services primarily in Central Virginia. The company distinguishes itself through personalized customer service and a deep understanding of its local market. Its community-focused approach helps foster strong client relationships, providing a stable deposit base and consistent loan growth within its operational footprint.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	42.0M	41.8M	43.6M	47.8M	4.4%	51.2M
EPS	1.91	1.91	1.75	1.99	1.4%	2.53
Shares	4.6M	4.5M	4.5M	4.5M	-1.8%	4.5M
Debt	20.5M	19.9M	19.3M	8.8M	-24.6%	8.7M
Equity	50.2M	60.0M	64.9M	80.0M	16.8%	—
Op CF	9.3M	9.5M	8.5M	11.7M	7.8%	12.6M
Inv CF	-88.1M	-23.3M	-11.2M	-42.4M	—	—
Fin CF	-42.6M	26.9M	1.1M	41.9M	—	—

Loading 1Y...

PRICE (1Y)+0.2%

SMA 50SMA 200

$27.85

RSI (14)

63.9

52W High

$29.55

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.1%*39.8

ROE

14.8%73.6

GP/Assets

4.9%N/A

Op. Margin

32.3%48.9

FCF/Assets

1.0%N/A

Piotroski

797.1

Int. Cover

—50.0

D/E Ratio

0.11xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

10.9x63.2

EV/EBITDA

bankN/A

P/FCF

11.7xN/A

P/B

1.5x37.1

P/S

2.4x68.7

Div Yield

1.5%16.2

Momentum

52W High %

94%67.6

RS 6M

28%91.7

SMA 50/200

1.21x93.9

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

20%52.2

FUNDAMENTALS

Market Cap

$123M

P/E (Forward)

—

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BOTJ are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
BOTJ	Bank of the James Financial Group, Inc.(you)	$123M	88	Strong Buy
OPHC	OptimumBank Holdings, Inc.	$113M	95	Strong Buy
MGYR	Magyar Bancorp, Inc.	$126M	78	Buy
SBFG	SB Financial Group, Inc.	$173M	83	Strong Buy
LARK	Landmark Bancorp, Inc.	$193M	85	Strong Buy
BKSC	Bank of South Carolina Corporation	$101M	79	Buy
LSBK	Lake Shore Bancorp, Inc.	$135M	73	Buy
ASRV	AmeriServ Financial, Inc.	$82M	79	Buy
HWBK	Hawthorn Bancshares, Inc.	$270M	86	Strong Buy
VABK	Virginia National Bankshares Corporation	$251M	92	Strong Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Bank of the James Financial Group, Inc. (BOTJ): Stock Score Summary

Bank of the James Financial Group, Inc. (BOTJ) has a MoatMap StockRank of 88/100 based on Quality (61/100), Value (49/100), and Momentum (77/100) factor scores. The current signal is STRONG BUY. Bank of the James has value at V49, just below the calibrated floor, so the strong M78 momentum cannot carry it. A 111M-cap Virginia community bank.

Key Financial Metrics

Price	$27.85
Market Cap	$123M
P/E (TTM)	10.91
Price/Book	1.51
Return on Equity	14.8%
Debt/Equity	0.11x
Operating Margin	32.3%
Revenue Growth	4.1%
Dividend Yield	1.5%
Free Cash Flow	$10M

Bank of the James Financial Group, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Bank of the James Financial Group, Inc.’s (BOTJ) StockRank?: MoatMap’s StockRank for Bank of the James Financial Group, Inc. (BOTJ) is 88/100, with a Strong Buy signal. It is a composite of Quality (61), Value (49), and Momentum (77) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Bank of the James Financial Group, Inc. have an economic moat?: Bank of the James Financial Group, Inc. (BOTJ) has a Quality factor score of 61/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Bank of the James Financial Group, Inc. a buy, hold, or sell?: MoatMap’s current signal for Bank of the James Financial Group, Inc. (BOTJ) is Strong Buy, based on a StockRank of 88/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Bank of the James Financial Group, Inc. in?: Bank of the James Financial Group, Inc. (BOTJ) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).