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Upturn AI SWOT - About
BOTJ 
Bank of the James Financial Group (BOTJ)
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Upturn Advisory Summary
07/15/2025: BOTJ (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 32.93% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 62.56M USD | Price to earnings Ratio 9.43 | 1Y Target Price - |
Price to earnings Ratio 9.43 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.33 | 52 Weeks Range 10.27 - 16.80 | Updated Date 06/29/2025 |
52 Weeks Range 10.27 - 16.80 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.92% | Basic EPS (TTM) 1.46 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.64% | Operating Margin (TTM) 12.16% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 10.25% |
Valuation
Trailing PE 9.43 | Forward PE - | Enterprise Value -13209236 | Price to Sales(TTM) 1.39 |
Enterprise Value -13209236 | Price to Sales(TTM) 1.39 | ||
Enterprise Value to Revenue 1.84 | Enterprise Value to EBITDA - | Shares Outstanding 4543340 | Shares Floating 3828671 |
Shares Outstanding 4543340 | Shares Floating 3828671 | ||
Percent Insiders 15.64 | Percent Institutions 22.64 |
Upturn AI SWOT
Bank of the James Financial Group
Company Overview
History and Background
Bank of the James Financial Group, Inc. was founded in 1999. It operates as the bank holding company for Bank of the James, which provides various banking products and services primarily in Virginia. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers loan products, deposit accounts, and other financial services to businesses.
- Retail Banking: Provides checking and savings accounts, mortgage loans, and other financial services to individuals.
- Wealth Management: Provides wealth management and trust services
Leadership and Structure
Robert R. Chapman, III serves as the CEO. The organizational structure consists of various departments including lending, operations, and finance, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans for business expansion, working capital, and equipment financing. Market share data is not publicly available for this specific product. Competitors include Truist Financial, Wells Fargo, and other regional banks.
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share data is not publicly available. Competitors include national mortgage lenders like Rocket Mortgage and local banks.
- Deposit Accounts: Provides checking, savings, and money market accounts. Market share is highly fragmented among many institutions. Competitors include larger national banks and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and heightened competition from fintech companies. Regional banks are adapting to these challenges by focusing on customer service and technology investments.
Positioning
Bank of the James Financial Group is positioned as a community-focused bank offering personalized service and local expertise. Its competitive advantages include strong relationships with local businesses and communities.
Total Addressable Market (TAM)
The TAM for banking services in Virginia is estimated to be in the billions of dollars. Bank of the James is positioned to capture a portion of this market through its regional presence and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused service
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Limited technology infrastructure
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Truist Financial (TFC)
- Wells Fargo (WFC)
- Atlantic Union Bankshares (AUB)
Competitive Landscape
Bank of the James competes with larger national and regional banks, as well as smaller community banks. Its advantages include a strong local presence and customer-focused service. Disadvantages include limited geographic reach and smaller scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic expansion and acquisitions.
Future Projections: Future growth is expected to be driven by expansion into new markets and increased adoption of digital banking.
Recent Initiatives: Recent initiatives include investments in technology and expansion of wealth management services.
Summary
Bank of the James Financial Group is a community-focused bank with a strong local presence. It benefits from customer loyalty but faces competition from larger institutions and fintech companies. Its strategic growth depends on successful technology adoption and expansion into new markets, while guarding against economic headwinds and regulatory shifts.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates (where available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank of the James Financial Group
Exchange NASDAQ | Headquaters Lynchburg, VA, United States | ||
IPO Launch date 2000-08-10 | President, CEO & Director Mr. Robert R. Chapman III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 162 | Website https://www.bankofthejames.bank |
Full time employees 162 | Website https://www.bankofthejames.bank | ||
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.
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