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Bank of the James Financial Group, Inc.

BOTJ Financial Banks Regional

Bank of the James Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $62.5 million, up 4.56% from fiscal 2024.

Revenue
+6.68%
EPS
+18.3%
Free cash flow
−90.6%

Quarter to June 2026, against a year earlier

24.40 0.44 +1.84%
Market cap
$108.9M
P/E
9.6×
Fwd P/E
9.7×
Dividend yield
1.64%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.13
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 3 — — 3 — — 4 — — —
Sell — — — — — — — — — — — —
Insider Ownership 12.83%

Capital & Financial Ratios $m

Size
Market Cap 108.86
Revenue ttm 64.85
Net income ttm 11.49
Free cash flow ttm 11.56
Net debt Q (35.54)
Valuation
P/E 9.64
Forward P/E 9.67
Price / sales 1.71
Forward P/S Powerpack
Price / FCF 9.59
Price / book 1.33
Financial health
Current ratio Q 0.78
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +6.68% (above 0%: growing)
Operating income growth Q +19.75% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A +8.75%
EPS, past 5 yrs +13.74%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 42.19%
10-year low 10-year high
P/S against its own 10 years 53.04%
10-year low 10-year high
P/B against its own 10 years 93.07%
10-year low 10-year high

Dividends

Yield
1.64%
Annual rate
0.40
Payout ratio
15.8%
Growth, 2018–26
+4.07%/yr
  1. 0.22 ’18
  2. 0.25 ’19 +17
  3. 0.25 ’20 +0
  4. 0.27 ’21 +5
  5. 0.29 ’22 +9
  6. 0.32 ’23 +10
  7. 0.40 ’24 +25
  8. 0.40 ’25 +0
  9. 0.30 ’26 −25
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 75 73 84 36
Receivables — — — —
Inventory — — — —
Other — — — —
681 717 753 731
2023 2024 2025 Q'26
Payables 878 882 937 935
ST’ Debt — — — —
Other — — — —
889 893 938 936

Compound Annual Growth %

10y 5y 3y
Sales 9.82% 8.98% 11.50%
Cash Flow 13.29% 17.53% 7.78%
Earnings 9.35% 12.62% 0.23%
Book Value 5.20% 3.71% 16.81%

EPS $

Mar Jun Sep Dec Year
’26 0.61 0.71 — — —
’25 0.19 0.60 0.61 0.60 1.99
’24 0.48 0.47 0.44 0.36 1.75
’23 0.43 0.56 0.46 0.45 1.91
’22 0.45 0.48 0.55 0.42 1.91
’21 0.38 0.42 0.40 0.39 1.60
’20 0.21 0.17 0.31 0.35 1.05
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 16 17 — — —
’25 15 16 16 16 63
’24 14 15 15 15 60
’23 12 13 13 14 52
’22 11 11 12 12 45
’21 10 10 10 10 40
’20 10 10 10 11 41
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 5 1 — — —
’25 1 4 5 2 12
’24 (1) 3 5 2 9
’23 5 (2) 3 4 9
’22 (3) 4 4 4 9
’21 6 2 1 7 16
’20 0 0 (1) 6 5
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 4 0 — — —
’25 0 4 6 1 11
’24 (2) 3 3 2 6
’23 5 (2) 3 3 8
’22 (3) 4 4 4 8
’21 5 2 0 6 14
’20 1 0 (2) 6 4
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 26 28 32 37 41 40 45 52 60 63 65 +10.1% — — — —
Gross margin, % 91.11 89.46 88.22 85.77 88.83 94.80 95.23 81.58 74.23 77.85 79.81 (13.3) pt
EBT 5 5 7 7 6 9 11 10 10 11 14 +9.8%
EBT margin, % 18.26 18.88 20.59 18.74 15.20 23.40 24.64 19.68 16.60 17.83 21.98 (0.4) pt
Net income 3 3 5 6 5 8 9 9 8 9 11 +11.9%
Per share, $
Per share, $ Revenue 5.47 5.90 6.69 7.69 8.51 8.51 9.60 11.45 13.16 13.76 14.28 +10.8%
Earnings 0.68 0.61 1.10 1.16 1.05 1.60 1.91 1.91 1.75 1.99 2.53 +12.6%
Cash flow 0.58 1.39 1.78 1.16 1.09 3.44 1.98 2.08 1.87 2.57 2.78 +18.0%
Capex (0.35) (0.29) (0.30) (0.80) (0.19) (0.54) (0.25) (0.23) (0.56) (0.25) (0.23) (3.8%)
Free cash flow 0.23 1.10 1.48 0.37 0.90 2.91 1.74 1.85 1.31 2.32 2.54 +29.4%
Book value 10.26 10.73 11.45 12.76 13.97 14.62 10.69 13.16 14.28 17.62 18.30 +6.2%
Shares, m 5 5 5 5 5 5 5 5 5 5 5 (0.6%)
Valuation, ×
Valuation, × P/E 20.27 22.80 10.66 11.93 10.54 9.71 6.28 6.45 9.07 9.29 9.64 11.7
P/S 2.52 2.32 1.77 1.81 1.29 1.82 1.24 1.07 1.21 1.35 1.71 1.6
P/B 1.35 1.28 1.03 1.09 0.79 1.06 1.12 0.93 1.11 1.05 1.33 1.1
EV/Sales 1.51 1.09 0.52 1.02 (0.94) (2.47) 0.10 (0.17) 0.15 0.16 — 0.1
EV/FCF 36.28 5.81 2.33 21.37 (8.91) (7.22) 0.53 (1.06) 1.47 0.94 — 5.2
Cash, $m
Cash, $m Operating cash flow 3 7 9 6 5 16 9 9 9 12 13 +17.2%
Capex (2) (1) (1) (4) (1) (3) (1) (1) (3) (1) (1) (4.5%)
Free cash flow 1 5 7 2 4 14 8 8 6 11 12 +28.6%
Balance, $m
Balance, $m Working capital (24) (39) (32) (36) (63) (134) (186) (208) (177) (186) (206) +25.7%
Net debt (29) (37) (50) (39) (101) (183) (62) (75) (73) (84) (36) +12.8%
Shareholders’ equity 49 52 55 61 67 69 50 60 65 80 83 +5.5%
Returns, %
Returns, % ROA 0.60 0.49 0.81 0.80 0.63 0.83 0.94 0.92 0.82 0.89 1.12 +0.3 pt
ROIC 14.51 22.87 86.02 19.40 0.00 0.00 0.00 0.00 0.00 0.00 18.72 (14.5) pt
ROE 6.73 5.78 9.93 9.62 7.77 11.15 14.97 15.79 12.72 12.45 14.84 +5.7 pt
People
People Employees 133 143 158 160 146 158 173 172 175 175 — +3.1%
Revenue/emp, $m 0.20 0.20 0.20 0.23 0.28 0.26 0.26 0.30 0.34 0.36 — +6.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Bank of the James Financial Group, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BSBK Bogota Financial Corporation $119.9M 44.7× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00% Compare
SFBC Sound Financial Bancorp, Inc. $115.8M 14.4× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
PROV Provident Financial Holdings, Inc. $112.7M 17.6× 14.9× +3.82% (above 0%: growing) −3.85% (below 0%: shrinking) +73.57% (above 0%: growing) 68.08% 0.00% Compare
UNB Union Bankshares, Inc. $112.5M 8.7× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $109.6M 5.6× 8.9× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $108.9M 9.6× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00%
BYFC Broadway Financial Corporation $106.9M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00% Compare
PBHC Pathfinder Bancorp, Inc. $105.6M 836× — +9.22% (above 0%: growing) +7,976.92% (above 0%: growing) +155.06% (above 0%: growing) 60.96% 0.00% Compare
PNBK Patriot National Bancorp Inc. $101.6M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
Median of peers $111.0M 16.0× 13.5× +8.85% +25.77% +70.49% 62.78% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 6 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 873.90k 873.90k 167.66
2024 839.94k 839.94k 140.19
2023 650.51k 650.51k 105.29
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Bank of the James Financial Group, Inc. (BOTJ) Latest News

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stockrow.com/BOTJ · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com