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Upturn AI SWOT - About
BOTJ 
Bank of the James Financial Group (BOTJ)
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Upturn Advisory Summary
08/28/2025: BOTJ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 43.05% | Avg. Invested days 51 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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. (BOTJ) was founded in 1999 and is headquartered in Lynchburg, Virginia. The company has grown through organic expansion and strategic acquisitions, focusing on community banking in central Virginia.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and commercial real estate financing.
- Retail Banking: Provides deposit accounts, consumer loans, and mortgage services to individuals and families.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
Robert R. Chapman III serves as the CEO. The organizational structure includes various departments such as lending, retail banking, finance, and operations, reporting to the executive management team and Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the purchase, refinance, or construction of commercial properties. Market share information is difficult to ascertain at the granular level for specific loan products; BOTJ competes with national and regional banks. Competitors include Truist Financial (TFC), Wells Fargo (WFC), and regional community banks.
- Small Business Loans (SBA): Loans guaranteed by the Small Business Administration to support small businesses. Similar market share challenges exist as above. Competitors include Truist Financial (TFC), Wells Fargo (WFC), and other SBA lenders.
- Deposit Accounts (Checking, Savings): Checking and savings accounts for retail and commercial clients. Market share information is available at the aggregate bank level, but not specific product level. Competitors include Bank of America (BAC), Wells Fargo (WFC), and other regional and community banks.
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, regulatory scrutiny, and pressure on net interest margins due to interest rate fluctuations and technological advancements.
Positioning
Bank of the James Financial Group is a community bank focusing on relationship-based banking in its target market. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in central Virginia is estimated to be in the billions of dollars. BOTJ's positioning focuses on capturing a significant share through its relationship-based approach, targeting small to medium-sized businesses and individuals.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Relationship-based banking model
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on net interest income
- Brand recognition limited to the Virginia area
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Growth in wealth management services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and potential economic slowdown
- Increased regulatory burden
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TFC
- CMA
- WSFS
- UVSP
Competitive Landscape
Bank of the James competes with larger regional and national banks, as well as other community banks. Its strength lies in its local market knowledge and personalized customer service, but it faces challenges related to scale and resources.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced consistent growth in assets, loans, and deposits over the past several years.
Future Projections: Analysts project continued growth in revenue and earnings, driven by loan growth and efficiency improvements.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities and increasing focus on wealth management services.
Summary
Bank of the James Financial Group demonstrates a solid performance with consistent growth and profitability. Their community-focused strategy and strong local presence are working well. Key areas to watch out for are increasing competition from larger players and the impact of changing interest rates.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Industry publications
- Company website
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may vary. Financial data is based on publicly available information and may be subject to change.
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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