BANK OF THE JAMES FINANCIAL (BOTJ) Stock Fundamental Analysis

NASDAQ:BOTJ • US4702991088

20.74 USD
+0.17 (+0.83%)
Last: Feb 13, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BOTJ. BOTJ was compared to 381 industry peers in the Banks industry. While BOTJ seems to be doing ok healthwise, there are quite some concerns on its profitability. BOTJ has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year BOTJ was profitable.
  • In the past year BOTJ had a positive cash flow from operations.
  • In the past 5 years BOTJ has always been profitable.
  • BOTJ had a positive operating cash flow in each of the past 5 years.
BOTJ Yearly Net Income VS EBIT VS OCF VS FCFBOTJ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

1.2 Ratios

  • BOTJ has a Return On Assets of 0.71%. This is in the lower half of the industry: BOTJ underperforms 65.35% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.99%, BOTJ is in the better half of the industry, outperforming 63.52% of the companies in the same industry.
Industry RankSector Rank
ROA 0.71%
ROE 9.99%
ROIC N/A
ROA(3y)0.89%
ROA(5y)0.81%
ROE(3y)14.86%
ROE(5y)12.6%
ROIC(3y)N/A
ROIC(5y)N/A
BOTJ Yearly ROA, ROE, ROICBOTJ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • BOTJ has a Profit Margin of 15.50%. This is in the lower half of the industry: BOTJ underperforms 75.33% of its industry peers.
  • BOTJ's Profit Margin has been stable in the last couple of years.
  • BOTJ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 15.5%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.34%
PM growth 5Y0.26%
GM growth 3YN/A
GM growth 5YN/A
BOTJ Yearly Profit, Operating, Gross MarginsBOTJ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • BOTJ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BOTJ has about the same amount of shares outstanding.
  • Compared to 5 years ago, BOTJ has less shares outstanding
  • BOTJ has a better debt/assets ratio than last year.
BOTJ Yearly Shares OutstandingBOTJ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
BOTJ Yearly Total Debt VS Total AssetsBOTJ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

  • BOTJ has a debt to FCF ratio of 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.
  • The Debt to FCF ratio of BOTJ (1.05) is better than 65.62% of its industry peers.
  • A Debt/Equity ratio of 0.13 indicates that BOTJ is not too dependend on debt financing.
  • The Debt to Equity ratio of BOTJ (0.13) is better than 62.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.05
Altman-Z N/A
ROIC/WACCN/A
WACC17.72%
BOTJ Yearly LT Debt VS Equity VS FCFBOTJ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BOTJ Yearly Current Assets VS Current LiabilitesBOTJ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The earnings per share for BOTJ have decreased by -6.03% in the last year.
  • BOTJ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.55% yearly.
  • The Revenue has grown by 8.89% in the past year. This is quite good.
  • The Revenue has been growing slightly by 6.93% on average over the past years.
EPS 1Y (TTM)-6.03%
EPS 3Y3%
EPS 5Y8.55%
EPS Q2Q%37.66%
Revenue 1Y (TTM)8.89%
Revenue growth 3Y5.04%
Revenue growth 5Y6.93%
Sales Q2Q%10.03%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BOTJ Yearly Revenue VS EstimatesBOTJ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.85, the valuation of BOTJ can be described as reasonable.
  • Based on the Price/Earnings ratio, BOTJ is valued a bit cheaper than 62.47% of the companies in the same industry.
  • BOTJ is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.85
Fwd PE N/A
BOTJ Price Earnings VS Forward Price EarningsBOTJ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BOTJ is valued a bit cheaper than the industry average as 65.09% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.99
EV/EBITDA N/A
BOTJ Per share dataBOTJ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.39
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • BOTJ has a Yearly Dividend Yield of 1.94%. Purely for dividend investing, there may be better candidates out there.
  • BOTJ's Dividend Yield is slightly below the industry average, which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.84, BOTJ has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.94%

5.2 History

  • The dividend of BOTJ is nicely growing with an annual growth rate of 9.32%!
  • BOTJ has been paying a dividend for at least 10 years, so it has a reliable track record.
  • BOTJ has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.32%
Div Incr Years3
Div Non Decr Years10
BOTJ Yearly Dividends per shareBOTJ Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

  • BOTJ pays out 25.41% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of BOTJ is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.41%
EPS Next 2YN/A
EPS Next 3YN/A
BOTJ Yearly Income VS Free CF VS DividendBOTJ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
BOTJ Dividend Payout.BOTJ Dividend Payout, showing the Payout Ratio.BOTJ Dividend Payout.PayoutRetained Earnings

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BANK OF THE JAMES FINANCIAL

NASDAQ:BOTJ (2/13/2026, 8:00:01 PM)

20.74

+0.17 (+0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners25.24%
Inst Owner Change15.48%
Ins Owners12.56%
Ins Owner Change0.59%
Market Cap94.16M
Revenue(TTM)47.30M
Net Income(TTM)7.16M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio1.34
Dividend
Industry RankSector Rank
Dividend Yield 1.94%
Yearly Dividend0.4
Dividend Growth(5Y)9.32%
DP25.41%
Div Incr Years3
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.85
Fwd PE N/A
P/S 2.04
P/FCF 10.99
P/OCF 8.35
P/B 1.31
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)1.75
EY8.44%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.89
FCFY9.1%
OCF(TTM)2.48
OCFY11.97%
SpS10.17
BVpS15.79
TBVpS13.91
PEG (NY)N/A
PEG (5Y)1.39
Graham Number24.93
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 9.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.5%
GM N/A
FCFM 18.56%
ROA(3y)0.89%
ROA(5y)0.81%
ROE(3y)14.86%
ROE(5y)12.6%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.34%
PM growth 5Y0.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.05
Debt/EBITDA N/A
Cap/Depr 141.73%
Cap/Sales 5.86%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC17.72%
ROIC/WACCN/A
Cap/Depr(3y)96.2%
Cap/Depr(5y)204.19%
Cap/Sales(3y)4.71%
Cap/Sales(5y)10.75%
Profit Quality(3y)82.49%
Profit Quality(5y)69.88%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.03%
EPS 3Y3%
EPS 5Y8.55%
EPS Q2Q%37.66%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.89%
Revenue growth 3Y5.04%
Revenue growth 5Y6.93%
Sales Q2Q%10.03%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.62%
FCF growth 3Y33.94%
FCF growth 5Y38.01%
OCF growth 1Y4.59%
OCF growth 3Y-18.62%
OCF growth 5Y8.77%

BANK OF THE JAMES FINANCIAL / BOTJ FAQ

What is the fundamental rating for BOTJ stock?

ChartMill assigns a fundamental rating of 3 / 10 to BOTJ.


What is the valuation status for BOTJ stock?

ChartMill assigns a valuation rating of 3 / 10 to BANK OF THE JAMES FINANCIAL (BOTJ). This can be considered as Overvalued.


How profitable is BANK OF THE JAMES FINANCIAL (BOTJ) stock?

BANK OF THE JAMES FINANCIAL (BOTJ) has a profitability rating of 3 / 10.


How financially healthy is BANK OF THE JAMES FINANCIAL?

The financial health rating of BANK OF THE JAMES FINANCIAL (BOTJ) is 4 / 10.