📊 BOTJ Key Takeaways
Is Bank Of The James Financial Group Inc. (BOTJ) a Good Investment?
Bank of the James demonstrates solid profitability with exceptional net margins (209.8%) and strong free cash flow generation ($9.2M), supported by a conservative leverage profile (0.11x Debt/Equity). However, the modest ROA of 0.6% and declining diluted EPS (-8.4% YoY) suggest underlying operational challenges that warrant careful monitoring before increasing exposure.
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.
Why Buy Bank Of The James Financial Group Inc. Stock? BOTJ Key Strengths
- Exceptional net profit margin of 209.8% indicates strong cost control and operational efficiency
- Strong free cash flow generation of $9.2M with 304.9% FCF margin demonstrates cash conversion ability
- Conservative capital structure with low leverage (0.11x Debt/Equity) and manageable long-term debt of $8.2M
- Healthy cash position of $85.5M provides liquidity cushion
- 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
- Declining diluted EPS (-8.4% YoY) suggests deteriorating earnings quality despite high accounting profitability
- Very low ROA of 0.6% indicates inefficient asset utilization relative to the $1.0B asset base
- Weak interest coverage ratio of 2.2x provides limited buffer for adverse economic conditions
- Operating income ($7.7M) significantly exceeds revenue ($3.0M), raising questions about revenue quality and non-operating gains reliance
- 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
- Net interest margin trends and loan portfolio quality
- Year-over-year EPS trajectory and sustainability of earnings
- Return on assets improvement and operational efficiency metrics
- Asset quality indicators and potential loan loss provisions
- Core operating revenue growth excluding non-interest income
- 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
💡 AI Analyst Insight
The 304.9% 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
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
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. appears fundamentally strong relative to the Finance sector in 2026.
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
BOTJ Revenue & Earnings Growth: 5-Year Financial Trend
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
BOTJ Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $658.0K | $2.0M | $0.48 |
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
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
❓ Frequently Asked Questions about BOTJ
What is the AI rating for BOTJ?
Bank Of The James Financial Group Inc. (BOTJ) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 69% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BOTJ's key strengths?
Claude: Exceptional net profit margin of 209.8% indicates strong cost control and operational efficiency. Strong free cash flow generation of $9.2M with 304.9% FCF margin demonstrates cash conversion ability. 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: Declining diluted EPS (-8.4% YoY) suggests deteriorating earnings quality despite high accounting profitability. Very low ROA of 0.6% indicates inefficient asset utilization relative to the $1.0B asset base. 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 $3.0M.
Does BOTJ pay dividends?
Bank Of The James Financial Group Inc. pays dividends, with $1.4M 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 $1.39.
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 rating reflects both perspectives for balanced insights.
Is BOTJ a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Bank Of The James Financial Group Inc. has a HOLD rating with 69% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is BOTJ stock overvalued or undervalued?
Valuation metrics for BOTJ: ROE of 8.2% (sector avg: 12%), net margin of 209.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BOTJ stock in 2026?
Our dual AI analysis gives Bank Of The James Financial Group Inc. a combined HOLD rating 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 $9.7M, with capital expenditures of $532.0K. FCF margin is 304.9%.
How does BOTJ compare to other Finance stocks?
Vs Finance sector averages: Net margin 209.8% (avg: 25%), ROE 8.2% (avg: 12%), current ratio N/A (avg: 1.2).