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Bank of the James Financial Group

BOTJ

Bank of the James Financial Group, Inc. is a bank holding company that provides a comprehensive suite of retail and commercial banking services through its primary subsidiary, Bank of the James.

Market cap
$126.08M+104%
Revenue$50.4M+11.6%
Net income$11.0M+66.0%
Free cash flow$14.7M+88.4%
EPS (diluted)$2.42+65.8%
Trailing twelve months · change vs. prior year

Earnings

Q1 2026 report

April 30, 2026

Next report

Date not yet announced

Financials

Q1 2026

Income statement

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Revenue$12.7M+15.4%
Net income$2.8M+229%
EPS (diluted)$0.61+221%

Balance sheet

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Cash & equivalents$88.0M-7.3%
Total equity$81.3M+18.9%
Total assets$1.1B+4.9%

Cash flow

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Operating cash flow$4.7M+521%
CapEx$382.0K-38.6%
Free cash flow$4.4M+2,990%

Valuation & ratios

Valuation

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Market cap$122.72M+104%
P/E11.2×+2.8×
P/S2.4×+1.1×

Profitability

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Net margin21.8%+7.1pp
FCF margin29.2%+11.9pp

Returns & leverage

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Return on equity14.6%+4.4pp

Competitors

Profile

Bank of the James Financial Group, Inc. is a bank holding company that provides a comprehensive suite of retail and commercial banking services through its primary subsidiary, Bank of the James. The company serves small to medium-sized businesses and individual consumers across Virginia, offering traditional deposit and lending products alongside specialized mortgage, investment advisory, and insurance services. Its core value proposition centers on community-focused financial solutions delivered through a network of full-service branches and digital platforms.

Competitive position

A regional community bank with a strong presence in Virginia's Region 2000 area, expanding strategically into high-growth markets like Charlottesville and Roanoke.

GeographiesUnited States, Virginia
Customer segmentsRetail, SME, Commercial
Business modelInterest Income, Fee-based Services, Asset Management
SuppliersFederal Reserve System, FDIC, Technology Platform Providers, Correspondent Financial Institutions
CustomersSmall and Medium Enterprises, Individual Depositors, Residential Homebuyers, Institutional Loan Buyers
Listed2000
Employees173.0
CEORobert R. Chapman
FilingsSEC EDGAR

Questions, answered.

What is Bank of the James Financial Group's market cap?
Bank of the James Financial Group (BOTJ) has a market capitalization of $126.1M and trades on NASDAQ.
What is Bank of the James Financial Group's revenue and profitability?
Bank of the James Financial Group generated $50.4M in trailing twelve-month revenue with net income of $11.0M, representing a net margin of 21.8%, with free cash flow of $14.7M. These figures are based on the Q1 2026 filing.
Who are Bank of the James Financial Group's competitors?
Bank of the James Financial Group's key competitors include Atlantic Union Bankshares Corporation, Truist Financial Corporation, Wells Fargo & Company, and others. These companies compete in similar markets and product categories.
Who does Bank of the James Financial Group partner with?
Bank of the James Financial Group's notable partners include Osaic Institutions, Inc..
What subsidiaries does Bank of the James Financial Group have?
Bank of the James Financial Group's subsidiaries include Bank of the James, Pettyjohn, Wood & White, Inc., BOTJ Insurance, Inc., and others.
Where is Bank of the James Financial Group headquartered?
Bank of the James Financial Group is headquartered in United States of America and employs approximately 173 people. It has been publicly traded since 2000.