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Bank Of The James Financial Group Inc. (BOTJ) Fundamental Analysis & AI Grade 2026

BOTJ Nasdaq State Commercial Banks VA CIK: 0001275101
Updated This Month • Analysis: May 13, 2026 • SEC Data: 2026-03-31
Combined AI Grade
C
80% Confidence
NEUTRAL
D
85% Conf
B
76% Conf

📊 BOTJ Key Takeaways

Revenue: $994.0K
Net Margin: 279.1%
Free Cash Flow: $4.4M
Current Ratio: N/A
Debt/Equity: 0.10x
EPS: $0.61
AI Grade: D with 85% confidence
Bank Of The James Financial Group Inc. (BOTJ) receives a C fundamental grade with 80% confidence from our AI analysis based on SEC 10-K filings. With revenue of $994.0K, net profit margin of 279.1%, and return on equity (ROE) of 3.4%, Bank Of The James Financial Group Inc. demonstrates mixed fundamentals in the Finance sector. Below is our complete BOTJ stock analysis for 2026.

Is Bank Of The James Financial Group Inc. (BOTJ) a Good Investment?

Claude

Bank of the James faces severe financial distress characterized by a catastrophic 90.8% year-over-year revenue collapse and critically weak interest coverage of just 1.0x, leaving minimal buffer to service debt obligations. The company's thin equity cushion of $81.3M against $1.1B in assets, combined with minimal profitability metrics (ROE 3.4%, ROA 0.3%), indicates deteriorating financial health despite positive operating cash flow.

ChatGPT

Bank of the James Financial Group shows solid core balance-sheet health, with low long-term debt, positive free cash flow, and a meaningful equity base against its asset size. However, profitability looks only moderate for a bank, with ROA of 0.6% and ROE of 8.2%, while diluted EPS declined year over year, suggesting earnings quality and growth momentum are not strong enough to justify a more aggressive rating.

Bank Of The James Financial Group Inc. Key Strengths (BOTJ)

Claude
  • + Positive operating and free cash flow ($4.7M and $4.4M respectively)
  • + Low debt-to-equity ratio of 0.10x provides some balance sheet stability
  • + Strong cash position of $88.0M provides near-term liquidity cushion
ChatGPT
  • + Low leverage with debt/equity of 0.11x supports financial flexibility
  • + Positive operating cash flow and free cash flow indicate healthy internal capital generation
  • + Cash of $85.45M and equity of $76.97M provide a reasonable cushion for a community bank

BOTJ Stock Risks: Bank Of The James Financial Group Inc. Investment Risks

Claude
  • ! Catastrophic 90.8% revenue decline year-over-year signals severe operational deterioration
  • ! Interest coverage ratio of 1.0x indicates critical vulnerability to service debt obligations with no margin for error
  • ! Dangerously thin stockholders' equity of $81.3M relative to $979.9M liabilities creates high financial distress risk
  • ! Extremely low returns on equity (3.4%) and assets (0.3%) indicate poor capital efficiency
ChatGPT
  • ! Diluted EPS fell 8.4% year over year, pointing to weakening earnings momentum
  • ! ROA of 0.6% and ROE of 8.2% suggest only average profitability rather than standout performance
  • ! Interest coverage of 2.2x is not especially strong and could tighten further if funding costs remain elevated

Key Metrics to Watch

Claude
  • * Revenue trend stabilization or continued decline - current trajectory is unsustainable
  • * Interest coverage ratio improvement - 1.0x is critically low and must improve
  • * Stockholders' equity preservation - monitor for further erosion or capital raises
  • * Asset quality and loan loss provisions - typical stress point for banks under distress
ChatGPT
  • * Net interest margin and deposit funding costs
  • * ROA, ROE, and year-over-year EPS trend

Bank Of The James Financial Group Inc. (BOTJ) Financial Metrics & Key Ratios

Revenue
$994.0K
Net Income
$2.8M
EPS (Diluted)
$0.61
Free Cash Flow
$4.4M
Total Assets
$1.1B
Cash Position
$88.0M

💡 AI Analyst Insight

The 438.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.

BOTJ Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin 350.0%
Net Margin 279.1%
ROE 3.4%
ROA 0.3%
FCF Margin 438.3%

BOTJ vs Finance Sector: How Bank Of The James Financial Group Inc. Compares

How Bank Of The James Financial Group Inc. compares to Finance sector averages

Net Margin
BOTJ 279.1%
vs
Sector Avg 25.0%
BOTJ Sector
ROE
BOTJ 3.4%
vs
Sector Avg 12.0%
BOTJ Sector
Current Ratio
BOTJ 0.0x
vs
Sector Avg 1.2x
BOTJ Sector
Debt/Equity
BOTJ 0.1x
vs
Sector Avg 2.0x
BOTJ Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is Bank Of The James Financial Group Inc. Stock Overvalued? BOTJ Valuation Analysis 2026

Based on fundamental analysis, Bank Of The James Financial Group Inc. has mixed fundamental signals relative to the Finance sector in 2026.

Return on Equity
3.4%
Sector avg: 12%
Net Profit Margin
279.1%
Sector avg: 25%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.10x
Sector avg: 2x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

Bank Of The James Financial Group Inc. Balance Sheet: BOTJ Debt, Cash & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.10x
Debt/Assets
92.3%
Interest Coverage
0.98x
Long-term Debt
$8.2M

BOTJ Revenue & Earnings Growth: 5-Year Financial Trend

BOTJ 5-year financial data: Year 2021: Revenue $2.5M, Net Income $5.0M, EPS $1.04. Year 2022: Revenue $3.6M, Net Income $7.6M, EPS $1.60. Year 2023: Revenue $3.9M, Net Income $9.0M, EPS $1.91. Year 2024: Revenue $4.0M, Net Income $8.7M, EPS $1.91. Year 2025: Revenue $4.3M, Net Income $7.9M, EPS $1.75.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Bank Of The James Financial Group Inc.'s revenue has grown significantly by 71% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.75 reflects profitable operations.

BOTJ Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
438.3%
Free cash flow / Revenue

BOTJ Quarterly Earnings & Performance

Quarterly financial performance data for Bank Of The James Financial Group Inc. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q1 2026 $981.0K $842.0K $0.19
Q3 2025 $991.0K $842.0K $0.44
Q2 2025 $975.0K $842.0K $0.47
Q1 2025 $953.0K $842.0K $0.19
Q3 2024 $991.0K $2.0M $0.44
Q2 2024 $955.0K $2.0M $0.47
Q1 2024 $953.0K $2.0M $0.43
Q3 2023 $1.0M $2.0M $0.46

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

Bank Of The James Financial Group Inc. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$4.7M
Cash generated from operations
Stock Buybacks
$997.0K
Shares repurchased (TTM)
Capital Expenditures
$382.0K
Investment in assets
Dividends Paid
$455.0K
Returned to shareholders

BOTJ SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for Bank Of The James Financial Group Inc. (CIK: 0001275101)

📋 Recent SEC Filings

Date Form Document Action
May 20, 2026 8-K botj-20260519x8k.htm View →
May 12, 2026 10-Q botj-20260331x10q.htm View →
May 8, 2026 4 xslF345X06/rdgdoc.xml View →
May 7, 2026 4 xslF345X06/rdgdoc.xml View →
May 7, 2026 4 xslF345X06/rdgdoc.xml View →

Frequently Asked Questions about BOTJ

What is the AI rating for BOTJ?

Bank Of The James Financial Group Inc. (BOTJ) has a Combined AI Grade of C from Claude (D) and ChatGPT (B) with 80% combined confidence, based on fundamental analysis of SEC EDGAR filings.

What are BOTJ's key strengths?

Claude: Positive operating and free cash flow ($4.7M and $4.4M respectively). Low debt-to-equity ratio of 0.10x provides some balance sheet stability. ChatGPT: Low leverage with debt/equity of 0.11x supports financial flexibility. Positive operating cash flow and free cash flow indicate healthy internal capital generation.

What are the risks of investing in BOTJ?

Claude: Catastrophic 90.8% revenue decline year-over-year signals severe operational deterioration. Interest coverage ratio of 1.0x indicates critical vulnerability to service debt obligations with no margin for error. ChatGPT: Diluted EPS fell 8.4% year over year, pointing to weakening earnings momentum. ROA of 0.6% and ROE of 8.2% suggest only average profitability rather than standout performance.

What is BOTJ's revenue and growth?

Bank Of The James Financial Group Inc. reported revenue of $994.0K.

Does BOTJ pay dividends?

Bank Of The James Financial Group Inc. pays dividends, with $0.5M distributed to shareholders in the trailing twelve months.

Where can I find BOTJ SEC filings?

Official SEC filings for Bank Of The James Financial Group Inc. (CIK: 0001275101) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is BOTJ's EPS?

Bank Of The James Financial Group Inc. has a diluted EPS of $0.61.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.

What is BOTJ's fundamental grade?

Based on our AI fundamental analysis in June 2026, Bank Of The James Financial Group Inc. has a C grade with 80% confidence. Review the strengths and risks sections above for full context. This is not investment advice.

Is BOTJ stock overvalued or undervalued?

Valuation metrics for BOTJ: ROE of 3.4% (sector avg: 12%), net margin of 279.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.

What is BOTJ's AI grade for 2026?

Our dual AI analysis gives Bank Of The James Financial Group Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.

What is BOTJ's free cash flow?

Bank Of The James Financial Group Inc.'s operating cash flow is $4.7M, with capital expenditures of $382.0K. FCF margin is 438.3%.

How does BOTJ compare to other Finance stocks?

Vs Finance sector averages: Net margin 279.1% (avg: 25%), ROE 3.4% (avg: 12%), current ratio N/A (avg: 1.2).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: May 13, 2026 | Data as of: 2026-03-31 | Powered by Claude AI