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BANK OF THE JAMES FINANCIAL GROUP INC BOTJ
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 1.63% (safety: safe). FY2025 revenue was $4.3M at a 211.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| BOTJ | BANK OF THE JAMES FINANCIAL GROUP INC | 6/9 | — | 12.3 | — |
| NWPP | NEW PEOPLES BANKSHARES INC | 5/9 | — | 9.9 | — |
| RBB | RBB Bancorp | 3/9 | — | — | — |
| OPBK | OP Bancorp | 4/9 | — | 8.9 | — |
| PCB | PCB BANCORP | 4/9 | — | 10.7 | — |
| BWFG | Bankwell Financial Group, Inc. | 4/9 | — | 13.5 | — |
| COSO | CoastalSouth Bancshares, Inc. | 4/9 | — | 13.1 | — |
All Finance, Insurance & Real Estate companies →
About BANK OF THE 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). 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. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.
FAQ
Is BOTJ financially healthy?
BANK OF THE JAMES FINANCIAL GROUP INC's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does BOTJ pay a dividend, and is it safe?
Yes. BANK OF THE JAMES FINANCIAL GROUP INC pays a dividend yielding about 1.63% with a 20.1% payout ratio, rated “safe” for safety.
How profitable is BOTJ?
In FY2025, BANK OF THE JAMES FINANCIAL GROUP INC had a net margin of 211.1% and a return on equity of 11.3%.
Is BOTJ overvalued or undervalued?
BANK OF THE JAMES FINANCIAL GROUP INC trades at about 13.8× trailing earnings — above its 10-year norm (10-year range 6.4×–20.3×, median 10.6×). Stocktoria reports the data, not buy/sell advice.
Is BOTJ a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on BANK OF THE JAMES FINANCIAL GROUP INC: a Piotroski F-score of 6/9, a P/E of about 12.3×, a dividend yield of 1.63%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.