Bank of the James Financial Group, Inc.
BOTJFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 24, 2026
Scan Results
Daily timeframeBank of the James Financial Group, Inc. operates in the Banks - Regional space. Bank of the James Financial Group, Inc. The company carries a $135.1M 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
$135.1M
Beta
0.19
P/E (TTM)
11.75
P/E (Fwd)
—
EPS (TTM)
$2.53
EPS (Fwd)
—
ROE
14.8%
ROA
1.1%
Cash
$35.5M
Total Debt
$8.7M
Free CF
—
52W Change
87.0%
Annual Financials
Cash vs Debt
Where BOTJ stands vs its 150-day and 200-day moving averages
As of the October 16, 2026 close, BOTJ finished 8.87% above its 150-day moving average ($24.79) and 15.34% above its 200-day moving average ($23.40). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is BOTJ overbought or oversold?
At the October 16, 2026 close, BOTJ's RSI(14) was 55.2, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Bank of the James Financial Group, Inc. holds $35.5M in cash against $8.7M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 14.8% 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 0.19 suggests BOTJ is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Bank of the James Financial Group, Inc. and its sector.