Bank of the James Financial Group (BOTJ) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Bank of the James Financial Group stock (BOTJ) is currently trading at $20.92. Bank of the James Financial Group PE ratio is 10.06. Bank of the James Financial Group PS ratio (Price-to-Sales) is 1.87. WallStSmart rates BOTJ as Hold.
- BOTJ PE ratio analysis and historical PE chart
- BOTJ PS ratio (Price-to-Sales) history and trend
- BOTJ intrinsic value — DCF, Graham Number, EPV models
- BOTJ stock price prediction 2025 2026 2027 2028 2029 2030
- BOTJ fair value vs current price
- BOTJ insider transactions and insider buying
- Is BOTJ undervalued or overvalued?
- Bank of the James Financial Group financial analysis — revenue, earnings, cash flow
- BOTJ Piotroski F-Score and Altman Z-Score
- BOTJ analyst price target and Smart Rating
Bank of the James Financial Group
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BOTJ Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Bank of the James Financial Group (BOTJ)
BOTJ trades at a significant discount to its Graham intrinsic value of $93.13, offering a 79% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Bank of the James Financial Group (BOTJ) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Concerns around market cap. Fundamentals are solid but monitor weak areas for improvement.
Bank of the James Financial Group (BOTJ) Key Strengths (5)
Earnings per share surging 68.30% year-over-year
Strong operational efficiency: $30 kept per $100 revenue
Paying $1.87 for every $1 of annual revenue
Trading at 1.16x book value, attractively priced
Strong profitability: $19 kept per $100 revenue
Supporting Valuation Data
Bank of the James Financial Group (BOTJ) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 8.80%
Low institutional interest, mostly retail-driven
Moderate profitability with room for improvement
Bank of the James Financial Group (BOTJ) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 5 register as strengths (avg 8.4/10) while 4 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on EPS Growth, Operating Margin, Price/Sales. Valuation metrics including Price/Sales (1.87), Price/Book (1.16) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 29.80%, Profit Margin at 18.50%. Growth metrics are encouraging with EPS Growth at 68.30%.
The Bear Case
The primary concerns are Market Cap, Revenue Growth, Institutional Own.. Growth concerns include Revenue Growth at 8.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (EPS Growth, Operating Margin) and negatives (Market Cap, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BOTJ Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BOTJ's Price-to-Sales ratio of 1.87x sits near its historical average of 1.89x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 5% below its historical high of 1.96x set in Mar 2026, and 4% above its historical low of 1.79x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Bank of the James Financial Group (BOTJ) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Bank of the James Financial Group is a mature, profitable business with steady cash generation. Revenue reached 49M with 9% growth year-over-year. Profit margins of 18.5% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 1240.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Bank of the James Financial Group.
Bottom Line
Bank of the James Financial Group is a well-established business delivering consistent profitability with 18.5% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Bank of the James Financial Group(BOTJ)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Bank of the James Financial Group, Inc. is the Bank of the James business providing general commercial and retail banking services to individuals, businesses, associations and organizations, and government authorities in Virginia, United States. The company is headquartered in Lynchburg, Virginia.