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

Financial Services | Banks - Regional | Lynchburg, United States | NasdaqCM
23.11 USD +0.50 (2.211%) ⇧ (April 17, 2026, 4 p.m. EDT)
After hours: 23.33 +0.22 (0.952%) ⇧ (April 17, 2026, 4:45 p.m. EDT)

Short-term: ★★★☆☆ | Long-term: ★★★☆☆ | Dividends: ★★★☆☆
Hot Take | April 11, 2026, 1:27 p.m. EDT

BOTJ has shown a relatively stable price movement in recent weeks, with a recent dip on April 10, 2026, following a peak on April 9, 2026. The stock has a low beta, indicating low volatility, which is favorable for short-term traders seeking to ride momentum. However, the recent price dip could present a buy-the-dip opportunity, especially with the stock trading near its 52-week high. The dividend yield is modest at 1.76%, with consistent quarterly payouts, suggesting a stable income stream. While the stock's fundamentals are solid, with a low payout ratio and positive earnings growth, the lack of significant momentum in recent days might make it a moderate short-term investment. For long-term investors, the stock's fundamentals are promising, but the low dividend yield and moderate growth may not justify a high star rating. Overall, the stock is a balanced choice for investors with a moderate risk appetite.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.060191
AutoTheta0.088857
AutoETS0.117837
MSTL0.121251

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 80%
H-stat 0.66
Ljung-Box p 0.000
Jarque-Bera p 0.376
Excess Kurtosis -0.90
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-02-16
Last Dividend Date 2026-02-16
Revenue per Share 10.718
Market Cap 104,996,568
Trailing P/E 11.61
Beta 0.12
Profit Margins 18.53%
Website https://www.bankofthejames.bank

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.49% 2.43% 3.06% 2.77%
Dividend History
Date Dividend Yield %
2026-02-17 0.100000 0.487567
2025-11-21 0.100000 0.565473
2025-09-12 0.100000 0.662680
2025-06-06 0.100000 0.713992
2025-03-07 0.100000 0.783974
2024-11-22 0.100000 0.700045
2024-09-06 0.100000 0.781720
2024-06-07 0.100000 0.974456
2024-02-29 0.100000 0.899817
2023-11-22 0.080000 0.853267
2023-08-31 0.080000 0.802443
2023-06-01 0.080000 0.951304
2023-03-02 0.080000 0.675578
2022-11-23 0.080000 0.759614
2022-09-01 0.070000 0.630026
2022-06-02 0.070000 0.599494
2022-03-03 0.070000 0.519554
2021-11-24 0.070000 0.498180
2021-09-02 0.070000 0.554771
2021-06-03 0.063636 0.420580
2021-03-04 0.063636 0.524636
2020-11-25 0.063636 0.638356
2020-09-03 0.063636 0.779088
2020-06-04 0.063636 0.789708
2020-03-05 0.063636 0.596084
2019-12-06 0.036364 0.317978
2019-11-27 0.054545 0.472489
2019-09-05 0.054545 0.507755
2019-06-06 0.054545 0.508143
2019-03-07 0.054545 0.484103
2018-11-29 0.054545 0.539032
2018-09-06 0.054545 0.459130
2018-06-07 0.054545 0.477613
2018-03-08 0.054545 0.471728
2017-11-30 0.054545 0.491092
2017-09-07 0.054545 0.463464
2017-06-07 0.054545 0.488734
2017-03-08 0.054545 0.486808
2016-11-30 0.054545 0.502261
2016-09-07 0.054545 0.610253
2016-06-08 0.054545 0.617793
2016-03-09 0.054545 0.626046
2015-12-02 0.054545 0.581240
2015-09-09 0.054545 0.689388
2015-06-10 0.045455 0.575038
2015-03-11 0.045455 0.588831
2014-12-10 0.045455 0.644389
2014-09-17 0.045455 0.723910
2014-06-17 0.045455 0.736273
Additional Data
dividendRate 0.4
dividendYield 1.72
exDividendDate 2026-02-17
trailingAnnualDividendRate 0.41
trailingAnnualDividendYield 0.018133568
lastDividendValue 0.1
lastDividendDate 2026-02-17
dividendDate 2026-03-06

Info Dump

Attribute Value
52 Week Change 0.68072724
Address1 828 Main Street
All Time High 23.45
All Time Low 1.818182
Ask 22.34
Ask Size 1
Average Daily Volume10 Day 16,030
Average Daily Volume3 Month 7,095
Average Volume 7,095
Average Volume10Days 16,030
Beta 0.118
Bid 22.49
Bid Size 1
Book Value 17.619
City Lynchburg
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 23.11
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 23.45
Day Low 22.6
Display Name Bank of the James Financial
Dividend Date 1,772,755,200
Dividend Rate 0.4
Dividend Yield 1.72
Earnings Growth 0.684
Earnings Quarterly Growth 0.684
Earnings Timestamp End 1,754,074,800
Earnings Timestamp Start 1,754,074,800
Ebitda Margins 0.0
Enterprise To Revenue 0.669
Enterprise Value 32,574,542
Eps Trailing Twelve Months 1.99
Esg Populated 0
Ex Dividend Date 1,771,286,400
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 20.8236
Fifty Day Average Change 2.2863998
Fifty Day Average Change Percent 0.10979848
Fifty Two Week Change Percent 68.07272
Fifty Two Week High 23.45
Fifty Two Week High Change -0.34000015
Fifty Two Week High Change Percent -0.01449894
Fifty Two Week Low 13.0
Fifty Two Week Low Change 10.110001
Fifty Two Week Low Change Percent 0.7776924
Fifty Two Week Range 13.0 - 23.45
Financial Currency USD
First Trade Date Milliseconds 965,914,200,000
Five Year Avg Dividend Yield 2.47
Float Shares 3,496,507
Full Exchange Name NasdaqCM
Full Time Employees 162
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 48,694,000
Has Pre Post Market Data 1
Held Percent Insiders 0.15781
Held Percent Institutions 0.28538
Implied Shares Outstanding 4,543,339
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,771,286,400
Last Dividend Value 0.1
Last Fiscal Year End 1,767,139,200
Last Split Date 1,624,492,800
Last Split Factor 11:10
Long Business Summary Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It operates through Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management) segments. The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.
Long Name Bank of the James Financial Group, Inc.
Market us_market
Market Cap 104,996,568
Market State CLOSED
Max Age 86,400
Message Board Id finmb_3103249
Most Recent Quarter 1,767,139,200
Net Income To Common 9,022,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 105,564,458
Open 22.6
Operating Cashflow 11,660,000
Operating Margins 0.29806
Payout Ratio 0.201
Phone 434 846 2000
Post Market Change 0.21999931
Post Market Change Percent 0.95196587
Post Market Price 23.33
Post Market Time 1,776,458,732
Previous Close 22.61
Price Hint 2
Price To Book 1.3116523
Price To Sales Trailing12 Months 2.1562526
Profit Margins 0.18528
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.5
Regular Market Change Percent 2.21141
Regular Market Day High 23.45
Regular Market Day Low 22.6
Regular Market Day Range 22.6 - 23.45
Regular Market Open 22.6
Regular Market Previous Close 22.61
Regular Market Price 23.11
Regular Market Time 1,776,456,001
Regular Market Volume 12,882
Return On Assets 0.00894
Return On Equity 0.12452
Revenue Growth 0.089
Revenue Per Share 10.718
Sand P52 Week Change 0.38150132
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 4,543,338
Shares Percent Shares Out 0.0011999999
Shares Short 5,427
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 4,156
Short Name Bank of the James Financial Gro
Short Percent Of Float 0.0014
Short Ratio 1.0
Source Interval 15
State VA
Symbol BOTJ
Total Cash 84,574,000
Total Cash Per Share 18.615
Total Debt 12,152,000
Total Revenue 48,694,000
Tradeable 0
Trailing Annual Dividend Rate 0.41
Trailing Annual Dividend Yield 0.018133568
Trailing Eps 1.99
Trailing P E 11.613066
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 17.3982
Two Hundred Day Average Change 5.7118015
Two Hundred Day Average Change Percent 0.32829845
Type Disp Equity
Volume 12,882
Website https://www.bankofthejames.bank
Zip 24,504