Bank of the James

NAQ:BOTJ · US4702991088

BanksSmall

360

Medium confidence — indicative

Value26

Profit price79

Cash yield1

Sales & asset price75

Price/Sales93

EV / Gross Profit95

Price/Book38

Quality86

Returns on capital100

Profit margins—

Cash backing56

Cash Conversion59

Accruals42

Owner Earnings Margin67

Growth61

Sales growth65

Profit growth99

Profit Growth100

Owner Earnings Growth97

Reinvestment20

Price momentum98

Safety51

Debt load94

Debt serviceability10

Liquidity71

Sentiment50

Analyst ratings—

Expectations trend—

Market mood1

Value Creation20/20strong value creator

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Bank of the James generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQCM

Founded2003

Websitebankofthejames.bank

ISINUS4702991088

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

Bank of the James Financial Group, Inc. (Financial) operates as the bank holding company for Bank of the James that engages in general retail and commercial banking activities. Financial conducts three principal activities: (1) general retail and co…

Analysis

Beloved champion

Bank of the James Financial Group, Inc. is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is attractive. You pay 9.1× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Jun 2026

All-time low

Mar 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →