BOTJ
Bank of the James Financial Group, Inc.
BOTJ's fundamentals are strong: its operating margin rose 8 points to 29% and revenue grew 12%. At 9.4x earnings, it's trading in line with its usual 8.9x.
BOTJ Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BOTJ's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BOTJ.
BOTJ PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.2x | $16.39 | -34% |
| Fair | 8.7x | $23.04 | -7% |
| Current | 9.4x | $24.77 | — |
| Expensive | 11x | $29.29 | +18% |
Historical ranges are pointers, not guarantees.
BOTJ's PE is in its fair range at 9.4x.
BOTJ Forward outlook
There aren't enough analyst estimates for BOTJ to show an outlook.
BOTJ Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.64 | +50% |
| Q2 2026 | $2.52 | +58% |
| Q1 2026 | $2.41 | +65% |
| Q4 2025 | $1.99 | +14% |
| Q3 2025 | $1.76 | -4.9% |
| Q2 2025 | $1.59 | -15% |
| Q1 2025 | $1.46 | -26% |
| Q4 2024 | $1.75 | -8.4% |
BOTJ earned $2.64 per share over the past year, up 50% from the year before.
BOTJ Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $13.9M | +11% |
| Q2 2026 | $13.7M | +11% |
| Q1 2026 | $12.7M | +15% |
| Q4 2025 | $12.9M | +12% |
| Q3 2025 | $12.5M | +10% |
| Q2 2025 | $12.3M | +9.2% |
| Q1 2025 | $11M | +7.3% |
| Q4 2024 | $11.5M | +8.8% |
BOTJ's revenue has grown year over year for 10 quarters in a row: $14M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | +4.2 points |
| Q2 2026 | 30% | +2.1 points |
| Q1 2026 | 27% | +18 points |
| Q4 2025 | 27% | +9.1 points |
| Q3 2025 | 26% | +4.1 points |
| Q2 2025 | 28% | +3.9 points |
| Q1 2025 | 9.4% | -17 points |
| Q4 2024 | 18% | -1.4 points |
BOTJ's operating margin was 30% last quarter, up 4.2 points from the same quarter a year ago, near the top of its range since 2019.
BOTJ Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.2M | +14% |
| Q2 2026 | $332K | -91% |
| Q1 2026 | $4.4M | +2990% |
| Q4 2025 | $1.3M | -13% |
| Q3 2025 | $5.5M | +64% |
| Q2 2025 | $3.5M | +27% |
| Q1 2025 | $141K | +$1.9M |
| Q4 2024 | $1.5M | -55% |
BOTJ's free cash flow was $12M over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BOTJ.
BOTJ Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | 0% | -- |
| 5 years | -4.2% | -197K shares |
| Available history | -5.7% | -276K shares |
BOTJ has 5M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $184,000 |
| Q1 2023 | $813,000 |
| Q4 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | $215,000 |
BOTJ Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.7x | Net Cash |
| Q2 2026 | -1.0x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -1.6x | Net Cash |
| Q3 2025 | -1.8x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
BOTJ has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BOTJ.
BOTJ Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.4 | Neutral |
| Stochastic | 14.7 | Oversold |
BOTJ's weekly RSI is 47 (neutral) and its Stochastic is 15 (oversold).
BOTJ PE vs Financial Services Sector
| Metric | BOTJ | Sector median | Relative |
|---|---|---|---|
| PE | 9.4x | 13x | 28% below |
| PE % | 53 | 63 | 10 pts below |
BOTJ is trading at 9.4x earnings, a 28% discount to the Financial Services sector's median of 13x.
BOTJ Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.3 | 5.9% below |
| 20 week MA | $26.7 | 7.2% below |
| 50 week MA | $23.3 | 6.5% above |
| 100 week MA | $18.9 | 31% above |
| 200 week MA | $15.2 | 63% above |
BOTJ has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 63% above its 200-week average.
BOTJ Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.0 | $11.1 | -21% |
| 2021 | $11.1 | $16.0 | +45% |
| 2022 | $16.0 | $11.9 | -26% |
| 2023 | $11.9 | $12.2 | +2.7% |
| 2024 | $12.2 | $15.5 | +27% |
| 2025 | $15.5 | $18.2 | +17% |
| 2026 YTD | $18.2 | $24.8 | +36% |
BOTJ has finished higher in four of the last six years. It's up 36% so far in 2026.