Bank of the James Financial Group, Inc.
BOTJFinancial ServicesNASDAQBanks - Regional
Headquartered within the financial services sector, Bank of the James Financial Group, Inc. focuses on Banks - Regional services and products. Bank of the James Financial Group, Inc. The company carries a $120.9M market cap, placing it firmly in the micro-cap category. 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.
Market Cap
$120.9M
Beta
0.16
P/E (TTM)
11.04
P/E (Fwd)
—
EPS (TTM)
$2.41
EPS (Fwd)
—
ROE
14.6%
ROA
1.1%
Cash
$88.0M
Total Debt
$8.7M
Free CF
—
52W Change
91.4%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $88.0M in cash comfortably exceeding the $8.7M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 14.6% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $42.0M to $47.8M.
The relatively low beta of 0.16 suggests BOTJ is a less volatile holding compared to the broader index. With cash comfortably exceeding debt, BOTJ has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Bank of the James Financial Group, Inc.'s trajectory.