BANK OF THE JAMES FINANCIAL GROUP INC · Banks

BOTJ

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The short version

A high-quality, profitable business with growing sales. Institutions are adding.

Going well

Sales up 18% in the latest quarter vs a year ago
Profitable every year for 10 years
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions added 6.6% to their holdings in the quarter ending June 2026 (30 bought, 9 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$29.97+1.0% that day

Company value: $136M; Share price times all shares
Price vs profit (P/E): 11.8x; You pay about $12 for each $1 of yearly profit
Price vs sales: 30.5x; Company value is 30.5 times a year of sales
Dividend yield: 1.3%; Yearly dividend as a share of today's price
Cash vs value: 26%; Cash as a share of company value
Debt vs value: 7%; Debt as a share of company value

From BOTJ's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$1.1M+18% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $4.5M, up 11% from the 12 months before.

What the price assumes

Your guesses, our math

Move the sliders to your own view of BOTJ. Starting points are the company's recent numbers (it isn't profitable yet, so the margin starts at a 10% guess).

Sales growth+11% a yearRecently: +11% a yearProfit margin10%Not reportedP/E at the end12xToday: 11.8x. Many steady companies trade at 12x to 25xShare count change-1% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$8M

Profit in 5 years$1M

Price these guesses point to$2.09-93% vs $29.97 todayAbout -41% a year, before dividends

What today's price needs: with a 10% margin and a 12x P/E, sales would have to grow about 89% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/5Strong

MissReturn on equity 15%+Earns a lot on the money owners have in the business.12.5%
PassDebt under half of equityNot relying on borrowed money.0.13x equity
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$10.5M
PassShare count not growingNot diluting owners. Falling means buybacks.-3.3% in 3 years

Revenue: $4.3M
Total debt: $10.0M; 0.13x equity
Free cash flow: $10.5M

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.