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Zacks Company Profile for Bank of the James Financial Group, Inc. (BOTJ : NSDQ)
 
 • Company Description   
Bank of the James Financial Group, Inc. operates as the holding company for Bank of the James, which provides retail and commercial banking services in the central Virginia. The company offers various deposit services, including checking accounts, savings accounts, individual retirement accounts, and various time deposits. It originates commercial business lending loans for purchase of equipment, facilities' upgrades, inventory acquisition, and working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; consumer residential mortgage loans; and various secured and unsecured consumer loans. The company's market area consists of seven jurisdictions of the Town of Altavista, Amherst County, Appomattox County, the City of Bedford, Bedford County, Campbell County, and the City of Lynchburg. The company, through its other subsidiary, BOTJ Investment Group, Inc., offers brokerage and investment services, including fixed and variable annuity products.

Number of Employees: 175

 
 • Price / Volume Information   
Yesterday's Closing Price: $13.87 Daily Weekly Monthly
20 Day Moving Average: 12,081 shares
Shares Outstanding: (millions)
Market Capitalization: $ (millions)
Beta: 0.32
52 Week High: $17.05
52 Week Low: $10.57
Short Interest Ratio:
  % Price Change % Price Change Relative to S&P 500
4 Week -2.32% -7.61%
12 Week -1.70% -17.53%
Year To Date -12.60% -18.14%
 
 • Address & Contact Information
Street Address Phone / Fax Email Address Web URL
828 MAIN STREET
-
LYNCHBURG,VA 24504
USA
ph: 434-846-2000
fax: 434-846-4450
tscruggs@bankofthejames.com http://www.bankofthejames.bank
 
 • General Corporate Information   
Officers
Robert R. Chapman - Principal Executive Officer; President and Directo
Thomas W. Pettyjohn - Chairman and Director
J. Todd Scruggs - Secretary and Treasurer
Lewis C. Addison - Director
John R. Alford - Director

Peer Information
Bank of the James Financial Group, Inc. (TSFG)
Bank of the James Financial Group, Inc. (ABCB)
Bank of the James Financial Group, Inc. (CFNL)
Bank of the James Financial Group, Inc. (CPKF)
Bank of the James Financial Group, Inc. (HIB)
Bank of the James Financial Group, Inc. (FVB)
Industry / Sector / Ticker Info
Analyst Coverage: No
Industry Group: BANKS-SOUTHEAST
Sector: Finance
CUSIP: 470299108
SIC: 6022
Fiscal Year
Fiscal Year End: December
Last Reported Quarter: 03/01/25
Next Expected EPS Date: 07/25/25
Share - Related Items
Shares Outstanding:
Most Recent Split Date: 6.00 (1.10:1)
Beta: 0.32
Market Capitalization: $ (millions)
 
 
 • EPS Information     • Dividend Information
Analyst Coverage: No Dividend Yield: 2.88%
Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.40
Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.27
Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.08
Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 06/06/2025 - $0.10
Next EPS Report Date: 07/25/25  
 

 • Fundamental Ratios
P/E
Current FY Estimate: -
Trailing 12 Months: 9.50
PEG Ratio: -
Price Ratios
Price/Book: 0.93
Price/Cash Flow: 6.07
Price / Sales: -
EPS Growth
vs. Year Ago Period: -60.42%
vs. Previous Quarter: -47.22%
Sales Growth
vs. Year Ago Period: 5.07%
vs. Previous Quarter: -6.05%
ROE
06/30/25 - -
03/31/25 - 10.01
12/31/24 - 12.42
ROA
06/30/25 - -
03/31/25 - 0.66
12/31/24 - 0.80
Current Ratio
06/30/25 - -
03/31/25 - 0.81
12/31/24 - 0.80
Quick Ratio
06/30/25 - -
03/31/25 - 0.80
12/31/24 - 0.80
Operating Margin
06/30/25 - -
03/31/25 - 10.91
12/31/24 - 13.29
Net Margin
06/30/25 - -
03/31/25 - 10.91
12/31/24 - 13.29
Pre-Tax Margin
06/30/25 - -
03/31/25 - 13.62
12/31/24 - 16.60
Book Value
06/30/25 - -
03/31/25 - 14.94
12/31/24 - 14.18
Inventory Turnover
06/30/25 - -
03/31/25 - 3.55
12/31/24 - 3.58
Debt-to-Equity
06/30/25 - -
03/31/25 - 0.00
12/31/24 - 0.00
Debt-to-Capital
06/30/25 - -
03/31/25 - 0.00
12/31/24 - 0.00
 

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