What is the fair value of Bank of the James Financial Group (NASDAQ-BOTJ) stock?

The current fair value estimate for Bank of the James Financial Group (NASDAQ-BOTJ) is $25.17. This implies an estimated downside of 5.7% versus the current market price.

Is Bank of the James Financial Group (NASDAQ-BOTJ) undervalued or overvalued?

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 5.7% versus the current market price.

How is the financial health of Bank of the James Financial Group?

The current financial health read for Bank of the James Financial Group (NASDAQ-BOTJ) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

When is Bank of the James Financial Group's next earnings date?

The next earnings date currently listed for Bank of the James Financial Group (NASDAQ-BOTJ) is October 30, 2026.

Does Bank of the James Financial Group (NASDAQ-BOTJ) pay dividends?

Based on the current data, dividend yield is 1.5%.

What is the P/E ratio for Bank of the James Financial Group (NASDAQ-BOTJ)?

The current P/E ratio listed for Bank of the James Financial Group (NASDAQ-BOTJ) is 10.6x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of Bank of the James Financial Group?

The current market capitalization listed for Bank of the James Financial Group is 121.3 M.

What is the ticker symbol for Bank of the James Financial Group?

The ticker symbol for Bank of the James Financial Group is NASDAQ-BOTJ, and the stock is listed on NASDAQ.

Where is Bank of the James Financial Group (NASDAQ-BOTJ) listed?

Bank of the James Financial Group (NASDAQ-BOTJ) is listed on NASDAQ.

What is the debt-to-total-capital ratio for Bank of the James Financial Group?

The current debt-to-total-capital ratio listed for Bank of the James Financial Group is 6.6%, which helps investors evaluate the company’s financing structure and leverage profile.

What is the free float for Bank of the James Financial Group?

The free float listed for Bank of the James Financial Group is 76.6%. Free float helps investors understand how much of the share base is available for public trading.

Bank of the James Financial Group (BOTJ) Fair Value & Stock...

Bank of the James Financial Group (BOTJ)

Bank of the James Financial Group, Inc. is a bank holding company for Bank of the James and its common stock trades on NASDAQ under the ticker BOTJ. Through its banking and wealth management businesses, the company serves individuals, businesses, associations, organizations, and government entities in Virginia. Its Community Banking, Mortgage Banking, and Investment Advisory segments support a range of deposit, lending, and financial service activities. The bank’s product set includes checking, savings, retirement, health savings, and other deposit accounts, along with money market accounts and certificates of deposit. Lending activities cover small and medium-sized business financing, commercial and residential construction and development loans, commercial real estate-secured loans, residential mortgages, and consumer credit products. The company also provides investment advisory and financial planning, brokerage services, insurance and annuity products, treasury management, merchant services, and digital banking tools. Founded in 1999, it is headquartered in Lynchburg, Virginia.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Free Float / Shares Outstanding	Altman Z-Score	Payout Ratio	Free Cash Flow / Net Income
NASDAQ-BOTJ	$25.17	-5.7% Downside	Fair	Not available	Not available	Good	1.5%	October 30, 2026	10.6x	1.5x	2.4x	121.3 M	6.6%	76.6%	-2.1	15.8%	100.2%