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BANK OF THE JAMES FINANCIAL GROUP INC BOTJ

Nasdaq · stock · State Commercial Banks · website · IPO 2000-07-14

BANK OF THE JAMES FINANCIAL GROUP INC statistics & valuation

Market cap$111.4M
P / E12.3×
P / S26.1×
P / B1.4×
P / FCF10.6×
Dividend yield1.63%
Net margin211.1%
Return on equity11.3%
FCF margin245.6%
Graham number +2.1%$28.09

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($28.09); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
166.10% 283.40% 314.00% 245.00% 304.00% 249.50% 223.10% 198.50% 211.10% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.60% 5.70% 9.60% 9.10% 7.50% 10.90% 17.80% 14.50% 12.20% 11.30% 2016201720182019202020212022202320242025
Shares outstanding
4.4M 4.4M 4.4M 4.4M 4.8M 4.7M 4.7M 4.6M 4.5M 4.5M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.60% 0.50% 0.80% 0.80% 0.60% 0.80% 1.00% 0.90% 0.80% 0.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
272.80% 335.20% 66.90% 169.60% 538.50% 226.10% 203.00% 148.90% 245.60% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.75 $0.67 $1.21 $1.28 $1.04 $1.60 $1.91 $1.91 $1.75 $1.99 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

BANK OF THE JAMES FINANCIAL GROUP INC trades at about 13.8× earnings — above its 10-year norm (10-year range 6.4×–20.3×, median 10.6×).

6.4× 20.3×

Shaded band = 10-year range (6.4×–20.3×); dot = today's 13.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin211.1%198.5%223.1%249.5%304.0%245.0%314.0%283.4%166.1%—
FCF margin245.6%148.9%203.0%226.1%538.5%169.6%66.9%335.2%272.8%—
Return on assets0.9%0.8%0.9%1.0%0.8%0.6%0.8%0.8%0.5%0.6%
Return on equity11.3%12.2%14.5%17.8%10.9%7.5%9.1%9.6%5.7%6.6%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.