Bank of the James Financial Group, Inc. (BOTJ) Stock Score, Valuation & Financial Research
Bank of the James Financial Group, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 61/100.
Quick answer for BOTJ
Bank of the James Financial Group, Inc. currently has a Wall Street Score of 61/100. The stored market price is $27.47. Its financial score is 51/100. Its valuation score is 97/100. The latest WSS change is -1.0 points. These figures are a research snapshot, not a buy or sell recommendation.
What Bank of the James Financial Group, Inc. does
Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real es
BOTJ financial snapshot
- Wall Street Score:
- 61/100
- Current price:
- $27.47
- Market capitalization:
- $124.8M
- Revenue:
- $60.7M
- Net income:
- $11.5M
- Free cash flow:
- $10.5M
- Cash:
- $24.7M
- Total debt:
- $8.7M
- EPS:
- 2.53
- P/E ratio:
- 10.9x
- Financial score:
- 51/100
- Valuation score:
- 97/100
- Revenue score:
- 30/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $10.5M, showing positive cash generation.
- The balance sheet shows $24.7M of cash versus $8.7M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is -1.0 points: BOTJ decreased 1 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 51/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-09.
How to research BOTJ
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.