Bank of the James Financial Group, Inc.
Bank of the James Financial Group, Inc.
Your view on BOTJ
Overview
What the company does, where it operates, and who runs it.
About Bank of the James Financial Group, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Robert R. Chapman III
- Headquarters
- 828 Main Street, Lynchburg, VA, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Robert R. Chapman III
- Headquarters
- 828 Main Street, Lynchburg, VA, US
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 Unites States.
It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit.
The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes.
In addition, it provides other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services.
Further, the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. It operates through a network of 16 full-service offices, 2 limited-service offices, and 1 residential mortgage loan production office.
The company was founded in 1998 and is headquartered in Lynchburg, Virginia.
Media
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Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Bank of the James Financial Group, Inc., and the rating behind it. BOTJ last traded at $26.95, 10.7× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Bank of the James Financial Group, Inc.. Starting points for Bank of the James Financial Group, Inc.: P/E 10.7, EPS $2.53, beta 0.18 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Bank of the James Financial Group, Inc.. Bank of the James Financial Group, Inc. paid $0.40 per share over the last year — a 1.5% yield at the current $26.95 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Bank of the James Financial Group, Inc.. Trailing twelve-month EPS for Bank of the James Financial Group, Inc. stands at $2.53. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Bank of the James Financial Group, Inc.. Bank of the James Financial Group, Inc. has reported as a listed company since 2000. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Bank of the James Financial Group, Inc. valued side by side against its closest peers. Bank of the James Financial Group, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Bank of the James Financial Group, Inc., and how their positions are changing. At a $122.4M market value, institutional positions materially move Bank of the James Financial Group, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Bank of the James Financial Group, Inc. executives and directors. Shares of Bank of the James Financial Group, Inc. have traded between $11.56 and $17.50 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Bank of the James Financial Group, Inc.. Bank of the James Financial Group, Inc. is a $122.4M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Bank of the James Financial Group, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Bank of the James Financial Group, Inc.. Coverage tracks Bank of the James Financial Group, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.
Comments
Comments and replies from FRC members about this company.