---
title: "Bank of the James Financial Group, Inc. (BOTJ.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/BOTJ.US.md"
symbol: "BOTJ.US"
name: "Bank of the James Financial Group, Inc."
industry: "Regional Banks"
datetime: "2026-05-19T20:19:05.104Z"
locales:
  - [en](https://longbridge.com/en/quote/BOTJ.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/BOTJ.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/BOTJ.US.md)
---

# Bank of the James Financial Group, Inc. (BOTJ.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.bankofthejames.bank](https://www.bankofthejames.bank) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:13.000Z

**Overall: C (0.43)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 275 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 12.40% |  |
| Net Profit YoY | 65.99% |  |
| P/B Ratio | 1.28 |  |
| Dividend Ratio | 1.75% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 103860706.68 |  |
| Revenue | 50673000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 14.64% | B |
| Profit Margin | 21.62% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 12.40% | B |
| Net Profit YoY | 65.99% | B |
| Total Assets YoY | 4.89% | C |
| Net Assets YoY | 18.93% | A |
| Cash Flow Margin | 0.00% | D |
| OCF YoY | 12.40% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Bank of the James Financial Group, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "12.40%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "65.99%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.28",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "1.75%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "103860706.68",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "50673000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "14.64%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "21.62%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "12.40%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "65.99%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "4.89%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "18.93%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "0.00%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "12.40%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 9.48 | 38/329 | 10.53 | 9.99 | 9.65 |
| PB | 1.28 | 200/329 | 1.17 | 1.03 | 0.95 |
| PS (TTM) | 2.05 | 17/329 | 1.93 | 1.62 | 1.44 |
| Dividend Yield | 1.75% | 198/329 | 2.81% | 2.35% | 1.93% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/BOTJ.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/BOTJ.US/norm.md)
- [Related News](https://longbridge.com/en/quote/BOTJ.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/BOTJ.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**