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Saturday 17 October 2026 Export BOTJ’s income statement to Excel — free account

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. In the quarter to June 2026, revenue grew 6.68%, EPS grew 18.3% and free cash flow fell 90.6%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

26.74 0.25 −0.93%
Market cap
$122.6M
P/E
10.6×
Fwd P/E
9.7×
Dividend yield
1.50%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Bank of the James Financial Group, Inc. (BOTJ) P/E ratio

Alert me on P/E ratio

As of 16 October 2026, Bank of the James Financial Group, Inc. (BOTJ) trades at a P/E ratio of 10.6×. Over the past ten years it has ranged from 4.6× (May 2023) to 24.0× (September 2017); the current reading is higher than 54% of that period. That is below the Banks Regional industry median of 12.0× and below the Financial sector median of 12.4×.

P/E ratio, daily

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Annual newest first

Period P/E ratio Change
FY2025 9.3× 2.44%
FY2024 9.1× 40.66%
FY2023 6.4× 2.68%
FY2022 6.3× (35.35%)
FY2021 9.7× (7.86%)
FY2020 10.5× (11.63%)
FY2019 11.9× 11.92%
FY2018 10.7× (53.26%)
FY2017 22.8× 12.48%
FY2016 20.3× 66.25%

Quarterly newest first

Period P/E ratio Change
Jun 2026 10.1× 18.50%
Mar 2026 8.5× (8.37%)
Dec 2025 9.3× 4.81%
Sep 2025 8.9× 0.24%
42 more quarters

Against its own ten years

Low 4.6× High 24.0×
Ten-year median 10.3×
Current reading's percentile 53

P/E ratio against peers

Company P/E ratio
RVSB Riverview Bancorp Inc compare n/m
OPHC OptimumBank Holdings, Inc. compare 5.6×
UNB Union Bankshares, Inc. compare 8.8×
MGYR Magyar Bancorp, Inc. compare 10.4×
BOTJ Bank of the James Financial Group, Inc. 10.6×
PROV Provident Financial Holdings, Inc. compare 17.4×
WSBK Winchester Bancorp, Inc. compare 26.4×
SRBK SR Bancorp, Inc. compare 41.0×
BSBK Bogota Financial Corporation compare 43.4×
Banks Regional industry median 12.0×
Financial sector median 12.4×
Market median 18.1×

What P/E ratio is

Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.

Stock Price ÷ EPS (Basic) (TTM)

The full definition of P/E ratio →

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