Bank of the James Financial Group Inc. Common Stock (BOTJ)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am a patient value investor, and small banks can be wonderful if they lend conservatively and earn a high return on equity. Bank of the James is a 162-employee Virginia community bank with community banking, mortgage banking, and wealth management. Using filed figures, net income was $3.2 million in fiscal Q2 2026, the quarter ended 2026-06-30, up from $2.7 million in fiscal Q2 2025, and diluted EPS rose to $0.71 from $0.60. For FY2025, the year ended 2025-12-31, net income was $9.0 million, up from $7.9 million in FY2024. Filed revenue was $4.3 million in FY2025 and $4.0 million in FY2024, but those revenue lines are oddly small next to net income, so I would want to understand the presentation before trusting them. FairStock calculations show ROE of 14.84%, P/E 10.68, P/B 1.48, PEG 0.54, and a Piotroski F-Score of 5/9. At the close on 2026-10-13, the price was $27.01, near the high end of its 52-week range of $14.44 to $29.79. A 14.8% ROE supports roughly 1.5 times book if credit is clean, but it does not leave a wide margin of safety. The low beta of 0.19 and 1.48% dividend yield suggest stability, not excitement. The Lynch category is STALWART, based on 12.6% five-year profit growth and 16.0% revenue growth. The moat is likely local relationships and deposits, but small size limits it. I would need CET1, net interest margin, nonperforming loans, reserves, and charge-off data, none of which are here. Combined ratio is an insurance measure and does not apply. On the figures given, this is a decent, steady small bank at a fair-to-full price, not an obvious bargain.

In plain English: Bank of the James is a small Virginia community bank that also does mortgage banking and wealth management. It earns a decent return on shareholder money and has grown profits, but the stock looks more fairly priced than cheap. Some reported revenue figures look odd and important bank details like capital and loan quality are not in the data.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer