US · BOTJ
Bank of the James Financial Group, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Lynchburg, VA 24504
- Website
- bankofthejames.bank
Price · as of 2025-12-31
$22.93
Market cap 90.5M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $303.17 | +1,222.15% |
| Intrinsic Value(DCF) | $78.83 | +243.79% |
| Graham-Dodd Method(GD) | $27.10 | +18.16% |
| Graham Formula(GF) | $27.54 | +20.11% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $3.99 | $66.12 | $2.53 | $8.15 | $0.00 |
| 2012 | $5.16 | $137.22 | $11.85 | $10.95 | $2.83 |
| 2013 | $6.36 | $42.14 | $11.88 | $12.22 | $5.00 |
| 2014 | $7.66 | $31.50 | $9.81 | $11.95 | $9.26 |
| 2015 | $8.67 | $160.43 | $13.46 | $14.38 | $16.65 |
| 2016 | $10.59 | $64.74 | $14.56 | $10.40 | $10.25 |
| 2017 | $11.43 | $42.43 | $15.63 | $10.49 | $9.34 |
| 2018 | $11.22 | $36.91 | $17.57 | $13.68 | $23.06 |
| 2019 | $10.32 | $116.30 | $22.28 | $14.77 | $25.95 |
| 2020 | $11.43 | $55.72 | $22.06 | $15.37 | $17.25 |
| 2021 | $13.36 | $37.51 | $23.32 | $17.97 | $12.08 |
| 2022 | $10.92 | $117.32 | $31.75 | $15.43 | $38.12 |
| 2023 | $10.69 | $39.61 | $45.73 | $17.45 | $45.44 |
| 2024 | $12.66 | $53.34 | $27.39 | $16.57 | $38.64 |
| 2025 | $19.20 | $303.17 | $144.22 | $27.09 | $27.54 |
AI valuation
Our deep-learning model estimates Bank of the James Financial Group, Inc.'s (BOTJ) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $303.17
- Current price
- $22.93
- AI upside
- +1,222.15%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$78.83
+243.79% upside
Graham-Dodd
$27.10
+18.16% upside
Graham Formula
$27.54
+20.11% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BOTJ | Bank of the James Financi… | $22.93 | 90.5M | +1,222% | +244% | +18% | +20% | 9.67 | 1.09 | 1.40 | 1.04 | 70.50 | 1.21 | 77.90% | 23.81% | 14.43% | 12.45% | 48.27% | 0.89% | 0.11 | 1.07 | 0.66 | 0.66 | -6.79 | 1371.00% | 601.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 82.24% | 0.78 | — | 0.18 | 0.18 |
| CASH | Pathward Financial, Inc. | $90.79 | 2.03B | -43% | +14% | -33% | -9% | 9.31 | 2.03 | 2.54 | 2.43 | 100.03 | 3.17 | 90.02% | 32.55% | 27.13% | 22.00% | -44.35% | 2.54% | 0.05 | 19.23 | 0.22 | 0.22 | -0.28 | 931.00% | 244.00% | 3383.00% | 13.61% | 0.08 | -56.17% | 0.27% | 2.50% | 28.64% | 3.08 | 2.91 | 1.00 | -0.34 |
| FDSB | Fifth District Savings Ba… | $14.92 | 82.4M | +3,813% | +28% | +57% | — | -58.71 | 0.50 | 3.28 | -34.20 | — | 0.50 | 58.47% | -7.45% | -5.59% | -1.06% | -2.61% | -0.21% | 0.00 | -0.16 | 0.10 | 0.10 | 51.10 | -25000.00% | 1093.00% | 4065.00% | -2.47% | 0.00 | -3.79% | 0.00% | 0.00% | 35.72% | -17.67 | -16.23 | 1.32 | -0.46 |
| FNWB | First Northwest Bancorp | $9.27 | 82.98M | +1,628% | -14% | +54% | — | -21.37 | 0.57 | 0.84 | -27.97 | — | 0.58 | 47.27% | -5.47% | -3.91% | -2.69% | -2.73% | -0.19% | 2.17 | -0.12 | 2.26 | 2.26 | -62.90 | -3600.00% | -841.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -24.68 | — | 1.35 | 0.74 |
| FUSB | First US Bancshares, Inc. | $15.28 | 88.12M | +486% | +21% | +26% | +62% | 9.46 | 0.78 | 1.25 | 2.17 | — | 0.85 | 63.24% | 17.39% | 13.21% | 8.64% | -62.72% | 0.75% | 0.21 | 0.49 | 0.08 | 0.08 | -2.11 | 0.00% | 1010.00% | -5121.00% | 7.32% | 0.01 | -43.46% | 1.64% | 15.50% | 3.76% | 2.52 | 4.78 | 0.44 | -0.71 |
| HFBL | Home Federal Bancorp, Inc… | $19.02 | 58.46M | +52% | +68% | -19% | -64% | — | 0.75 | 1.27 | -1.06 | — | 0.80 | 63.92% | 14.39% | 12.02% | 0.00% | 30.94% | 0.00% | 0.07 | 0.39 | 0.93 | 0.93 | -2.22 | 769.00% | -288.00% | -157446.00% | 13.17% | 0.01 | 43.18% | 3.95% | — | 18.94% | -1.38 | -1.18 | -0.20 | 0.09 |
| HNNA | Hennessy Advisors, Inc. | $10.05 | 79.32M | +246% | +16% | +8% | +244% | 7.70 | 0.78 | 2.16 | 3.33 | 20.25 | 0.78 | 70.10% | 36.99% | 28.03% | 10.54% | 14.38% | 6.37% | 0.41 | — | 12.72 | 12.59 | -2.38 | 3804.00% | 1987.00% | 4895.00% | 17.40% | 2.29 | 19.98% | 5.48% | 42.20% | 17.17% | 3.41 | 3.35 | 1.26 | 2.40 |
| IROQ | IF Bancorp, Inc. | $27.75 | 93M | +122% | +3% | -8% | -32% | 19.19 | 1.01 | 1.71 | 23.03 | 13.67 | 1.03 | 54.72% | 12.23% | 8.90% | 5.53% | 8.66% | 0.48% | 0.89 | 0.26 | 0.00 | 0.01 | 8.08 | 14035.00% | 661.00% | 22019.00% | 7.89% | 0.01 | 13.11% | 1.56% | 29.90% | 17.75% | 25.44 | 23.09 | 3.11 | -0.76 |
| SSBI | Summit State Bank | $13.07 | 87.26M | +1,441% | +13% | +54% | -76% | 12.73 | 0.86 | 1.47 | 3.01 | — | 0.86 | 55.78% | 15.24% | 11.55% | 7.05% | 48.92% | 0.66% | 0.06 | 0.38 | 0.11 | 0.11 | -6.65 | -26290.00% | -517.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 16.30% | 3.01 | — | 0.46 | -0.50 |
| UBCP | United Bancorp, Inc. | $14.90 | 86.03M | +1,669% | +411% | +34% | +50% | 10.65 | 1.17 | 1.74 | 3.90 | 193.30 | 1.17 | 67.36% | 17.41% | 16.32% | 11.57% | 19.18% | 0.93% | 0.00 | 0.55 | — | — | -5.02 | 551.00% | 799.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 192.65% | 4.36 | — | 0.76 | 0.29 |
About Bank of the James Financial Group, Inc.
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 Unites States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it provides other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. It operates through a network of 16 full-service offices, 2 limited-service offices, and 1 residential mortgage loan production office. The company was founded in 1998 and is headquartered in Lynchburg, Virginia.
- CEO
- Robert R. Chapman
- Employees
- 162
- Beta
- 0.13
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($78.83 ÷ $22.93) − 1 = +243.79% (DCF, example).