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 90/100, with a Strong Buy signal. This is a composite score combining Quality (61), Value (48), and Momentum (78) factor ranks across MoatMap's 20,000+ stock universe.

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 90/100. 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 BUYFLAG

Bank of the James Financial Group, Inc. · Financial Services · United States · $122M · Avg Vol: $711K/d

StockRank

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P/E (TTM)

11.1x

ROE

14.6%

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%	50.7M
EPS	1.91	1.91	1.75	1.99	1.4%	2.41
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%	15.6M
Inv CF	-88.1M	-23.3M	-11.2M	-42.4M	—	—
Fin CF	-42.6M	26.9M	1.1M	41.9M	—	—

Loading 1Y...

PRICE (1Y)+8.6%

SMA 50SMA 200

$26.93

RSI (14)

77.1

52W High

$29.66

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.1%*38.8

ROE

14.6%73.5

GP/Assets

4.9%N/A

Op. Margin

29.2%47.8

FCF/Assets

1.0%N/A

Piotroski

797.0

Int. Cover

—50.0

D/E Ratio

0.11xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

11.1x64.6

EV/EBITDA

bankN/A

P/FCF

11.7xN/A

P/B

1.5x34.6

P/S

2.4x71.2

Div Yield

1.5%13.4

Momentum

52W High %

91%42.9

RS 6M

42%97.7

SMA 50/200

1.20x93.4

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

230%90.9

FUNDAMENTALS

Market Cap

$122M

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)	$122M	90	STRONG BUY
ASRV	AmeriServ Financial, Inc.	$74M	91	STRONG BUY
LARK	Landmark Bancorp, Inc.	$192M	85	STRONG BUY
OPBK	OP Bancorp	$233M	84	STRONG BUY
SBFG	SB Financial Group, Inc.	$160M	76	BUY
EBMT	Eagle Bancorp Montana, Inc.	$186M	79	BUY
CIZN	Citizens Holding Company	$57M	93	STRONG BUY
OPHC	OptimumBank Holdings, Inc.	$77M	100	STRONG BUY
CMTV	Community Bancorp	$227M	82	STRONG BUY
FDBC	Fidelity D & D Bancorp, Inc.	$299M	87	STRONG BUY

Peer medians: ROE 9.4% · P/E 13.9x · 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 90/100 based on Quality (61/100), Value (48/100), and Momentum (78/100) 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	$26.93
Market Cap	$122M
P/E (TTM)	11.08
Price/Book	1.49
Return on Equity	14.6%
Debt/Equity	0.11x
Operating Margin	29.2%
Revenue Growth	18.2%
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 90/100, with a Strong Buy signal. It is a composite of Quality (61), Value (48), and Momentum (78) factor ranks across MoatMap’s 20,000+ stock universe.
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 90/100. 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).