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Bank of the James Financial Group, Inc. BOTJ

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23.78 USD -0.23 (-0.96%)

At closeNov 3, 2026, 4:00 PM EST

23.53 -0.25 -1.05%

After hours · Nov 3, 4:00 PM ET

23.71 Day range 24.28
16.49 52-week range 30.84
YTD
+27.99%
1 year
+39.88%

Financial health

Altman Z-Score

0.52 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 9.3×
FY 2016: 20.3×FY 2017: 22.2×FY 2018: 10.7×FY 2019: 12.0×FY 2020: 10.6×FY 2021: 9.7×FY 2022: 6.2×FY 2023: 6.4×FY 2024: 9.1×FY 2025: 9.3×
FY 2016 5y median 9.1× FY 2025
P/S 1.4×
FY 2016: 2.6×FY 2017: 2.3×FY 2018: 1.8×FY 2019: 1.8×FY 2020: 1.3×FY 2021: 1.9×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 1.4×
FY 2016 5y median 1.3× FY 2025
P/B 1.1×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 8.0×
FY 2016: 61.6×FY 2017: 13.6×FY 2018: 9.1×FY 2019: 56.0×FY 2020: 15.3×FY 2021: 5.5×FY 2022: 6.9×FY 2023: 7.0×FY 2024: 12.1×FY 2025: 8.0×
FY 2016 5y median 7.0× FY 2025
EV/EBITDA 5.0×
FY 2016: 8.9×FY 2017: 8.1×FY 2018: 4.7×FY 2019: 4.8×FY 2020: 3.8×FY 2021: 5.7×FY 2022: 3.4×FY 2023: 4.1×FY 2024: 5.7×FY 2025: 5.0×
FY 2016 5y median 5.0× FY 2025
EV/Sales 1.0×
FY 2016: 1.9×FY 2017: 1.8×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.7×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 1.0×
FY 2016 5y median 1.1× FY 2025
FCF Yield 12.4%
FY 2016: 1.6%FY 2017: 7.3%FY 2018: 11.0%FY 2019: 1.8%FY 2020: 6.6%FY 2021: 18.3%FY 2022: 14.5%FY 2023: 14.2%FY 2024: 8.3%FY 2025: 12.4%
FY 2016 5y median 14.2% FY 2025

Profitability

Gross Margin 77.9%
FY 2016: 84.7%FY 2017: 85.7%FY 2018: 85.8%FY 2019: 84.1%FY 2020: 82.1%FY 2021: 95.9%FY 2022: 97.2%FY 2023: 81.6%FY 2024: 75.0%FY 2025: 77.9%
FY 2016 5y median 81.6% FY 2025
Operating Margin 17.8%
FY 2016: 18.6%FY 2017: 19.2%FY 2018: 20.9%FY 2019: 19.1%FY 2020: 15.6%FY 2021: 24.1%FY 2022: 25.2%FY 2023: 20.0%FY 2024: 16.8%FY 2025: 17.8%
FY 2016 5y median 20.0% FY 2025
Net Margin 14.4%
FY 2016: 12.7%FY 2017: 10.5%FY 2018: 16.7%FY 2019: 15.4%FY 2020: 12.6%FY 2021: 19.3%FY 2022: 20.3%FY 2023: 16.9%FY 2024: 13.5%FY 2025: 14.4%
FY 2016 5y median 16.9% FY 2025
ROE 11.3%
FY 2016: 6.6%FY 2017: 5.7%FY 2018: 9.6%FY 2019: 9.1%FY 2020: 7.5%FY 2021: 10.9%FY 2022: 17.8%FY 2023: 14.5%FY 2024: 12.2%FY 2025: 11.3%
FY 2016 5y median 12.2% FY 2025
ROIC 0.9%
FY 2016: 6.4%FY 2017: 5.0%FY 2018: 8.5%FY 2019: 7.4%FY 2020: 5.8%FY 2021: 7.5%FY 2022: 11.2%FY 2023: 9.6%FY 2024: 8.3%FY 2025: 0.9%
FY 2016 5y median 8.3% FY 2025
ROA 0.9%
FY 2016: 0.6%FY 2017: 0.5%FY 2018: 0.8%FY 2019: 0.8%FY 2020: 0.6%FY 2021: 0.8%FY 2022: 1.0%FY 2023: 0.9%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 6.0%
FY 2016: 7.2%FY 2017: 7.7%FY 2018: 13.4%FY 2019: 14.8%FY 2020: 8.8%FY 2021: -0.7%FY 2022: 12.4%FY 2023: 16.4%FY 2024: 14.7%FY 2025: 6.0%
FY 2016 FY 2025
Operating Income 12.3%
FY 2016: -9.9%FY 2017: 11.4%FY 2018: 23.7%FY 2019: 4.6%FY 2020: -10.9%FY 2021: 53.0%FY 2022: 17.6%FY 2023: -7.5%FY 2024: -3.5%FY 2025: 12.3%
FY 2016 FY 2025
EPS (diluted) 13.7%
FY 2016: -29.9%FY 2017: -10.3%FY 2018: 80.3%FY 2019: 5.5%FY 2020: -10.3%FY 2021: 53.8%FY 2022: 19.4%FY 2023: 0.0%FY 2024: -8.4%FY 2025: 13.7%
FY 2016 FY 2025
Free Cash Flow 76.1%
FY 2016: -41.3%FY 2017: 345.1%FY 2018: 30.7%FY 2019: -81.0%FY 2020: 188.8%FY 2021: 289.8%FY 2022: -39.6%FY 2023: -2.5%FY 2024: -24.7%FY 2025: 76.1%
FY 2016 FY 2025

Financial Health

Current Ratio 496×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 496×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 496×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 496×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.1×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -1.5×
FY 2016: -3.0×FY 2017: -2.5×FY 2018: -2.9×FY 2019: -3.0×FY 2020: -2.6×FY 2021: -0.7×FY 2022: -0.7×FY 2023: -0.5×FY 2024: -0.3×FY 2025: -1.5×
FY 2016 5y median -0.7× FY 2025
Interest Coverage 0.8×
FY 2016: 2.1×FY 2017: 1.8×FY 2018: 1.7×FY 2019: 1.3×FY 2020: 1.4×FY 2021: 4.5×FY 2022: 5.2×FY 2023: 1.1×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 2.2%
FY 2016: 1.6%FY 2017: 1.6%FY 2018: 1.8%FY 2019: 1.8%FY 2020: 2.3%FY 2021: 1.7%FY 2022: 2.4%FY 2023: 2.6%FY 2024: 2.5%FY 2025: 2.2%
FY 2016 5y median 2.4% FY 2025
Payout Ratio 20.1%
FY 2016: 32.0%FY 2017: 35.9%FY 2018: 19.8%FY 2019: 21.9%FY 2020: 24.4%FY 2021: 16.7%FY 2022: 15.2%FY 2023: 16.8%FY 2024: 22.9%FY 2025: 20.1%
FY 2016 5y median 16.8% FY 2025

Annual · latest fiscal year ends 2025-12-31