Bank of James Financial Group Inc
Research Bank of James Financial Group Inc (BOTJ) on Bullrun: valuation model: 7.4% overvalued, market cap USD 123.44M, P/E 10.7, dividend yield 1.5%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerBOTJ
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal7.4% overvalued
- Market capUSD 123.44M
- P/E10.7
- Dividend yield1.5%
- Financial periodQ2 2026
- RevenueUSD 13.47M
- Net incomeUSD 3.24M
- Free cash flowUSD 332.00K
Valuation Snapshot
Bullrun's latest valuation model marks Bank of James Financial Group Inc as 7.4% overvalued; latest market cap is USD 123.44M; P/E is 10.7; dividend yield is 1.5%.
Peer valuation comparison
Latest P/E is 10.74x versus a Financial Services sector median of 13.41x (19.9% below).
Latest dividend yield is 1.47% versus a Financial Services sector median of 3.66% (59.8% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 4.27M | USD 9.02M | USD 10.50M | n/a | 1.99 | USD 84.48M | USD 8.80M | USD 80.05M |
| FY2024 | USD 4.00M | USD 7.94M | USD 5.96M | n/a | 1.75 | USD 73.31M | USD 19.35M | USD 64.87M |
| FY2023 | USD 3.90M | USD 8.70M | USD 7.92M | n/a | 1.91 | USD 74.84M | USD 19.93M | USD 60.04M |
| FY2022 | USD 3.59M | USD 8.96M | USD 8.12M | n/a | 1.91 | USD 61.76M | USD 20.49M | USD 50.23M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 123.44M | 10.7 | 1.5% | 0.4 |
| 2025 | 2025-12-31 | USD 84.41M | 9.3 | 2.2% | 0.4 |
| 2024 | 2024-12-31 | USD 72.10M | 9.1 | 2.5% | 0.4 |
| 2023 | 2023-12-29 | USD 55.52M | 6.5 | 2.6% | 0.32 |
| 2022 | 2022-12-30 | USD 55.13M | 6.3 | 2.4% | 0.29 |
| 2021 | 2021-12-31 | USD 73.29M | 9.7 | 1.7% | 0.26 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.4 USD, yield 1.5%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.4 USD |
| FY2024 | 0.4 USD |
| FY2023 | 0.32 USD |
| FY2022 | 0.29 USD |
About Bank of James Financial Group Inc
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management).
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Frequently asked questions
Is Bank of James Financial Group Inc overvalued or undervalued?
Bullrun's valuation model currently marks Bank of James Financial Group Inc as 7.4% overvalued.
What is Bank of James Financial Group Inc's market cap?
Bank of James Financial Group Inc's market capitalization is USD 123.44M.
What is Bank of James Financial Group Inc's P/E ratio?
Bank of James Financial Group Inc's price-to-earnings (P/E) ratio is 10.7.
Does Bank of James Financial Group Inc pay a dividend?
Bank of James Financial Group Inc has a dividend yield of 1.5%.
What does Bank of James Financial Group Inc do?
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management). The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit.