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Upturn AI SWOT - About
BOTJ 
Bank of the James Financial Group (BOTJ)
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Upturn Advisory Summary
10/15/2025: 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 43.69% | Avg. Invested days 54 | 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 10/15/2025 |
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 and is headquartered in Lynchburg, Virginia. It has grown through organic expansion and strategic acquisitions to serve Central and Southwestern Virginia.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and treasury management services to businesses.
- Retail Banking: Provides personal banking services including checking, savings, loans, and mortgages.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
Robert R. Chapman III serves as the CEO. The company operates with a board of directors overseeing strategic decisions and management execution.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans for real estate, equipment, working capital, and other business needs. Market share data specific to Bank of the James is difficult to obtain, but competitors include Truist Financial (TFC) and Wells Fargo (WFC). Revenue from these products comprises a significant portion of the bank's total revenue.
- Mortgage Loans: Offers residential mortgage loans. Market share data specific to Bank of the James is difficult to obtain; it competes with larger national banks and mortgage companies like Rocket Companies (RKT) and UWM Holdings Corporation (UWMC). Revenues comprise a meaningful segment of the Bank's earnings.
- Deposit Accounts: Offers checking, savings, and money market accounts for consumers and businesses. Market share data specific to Bank of the James is difficult to obtain; competes with larger national banks and credit unions. These deposits form the bedrock of the Bank's lending capabilities and revenue streams.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, technological disruption, and regulatory changes. Community banks face challenges from larger institutions and fintech companies.
Positioning
Bank of the James positions itself as a community bank focused on relationship banking and local market expertise, offering personalized service and quick decision-making. This strategy aims to differentiate from larger, more impersonal banks.
Total Addressable Market (TAM)
The TAM for banking services in Virginia is substantial, estimated in the billions of dollars. Bank of the James targets a specific segment within that market, focusing on businesses and individuals in its geographic footprint. Their positioning allows them to capture a meaningful portion of the TAM within their local market.
Upturn SWOT Analysis
Strengths
- Strong local presence and relationships
- Experienced management team
- Solid asset quality
- Personalized customer service
Weaknesses
- Limited geographic reach compared to larger banks
- Lower brand recognition than national competitors
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within Virginia
- Increased adoption of digital banking services
- Strategic acquisitions of smaller institutions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic downturns
- Regulatory changes and compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TFC
- WFC
- STL
Competitive Landscape
Bank of the James has the advantage of being a community bank with a strong local presence, but it faces disadvantages in terms of scale and resources compared to larger competitors. It must focus on personalized service and local market expertise to compete effectively.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends needs to be analysed over the past years based on current financial data.
Future Projections: Future projections needs to be based on analyst estimates for Bank of the James Financial Group's future growth.
Recent Initiatives: Recent strategic initiatives needs to be based on strategic initiatives undertaken by Bank of the James Financial Group.
Summary
Bank of the James is a stable community bank with a strong local presence. Its focus on relationship banking is a key strength, but it faces challenges from larger competitors and technological changes. Strategic growth initiatives and investments in technology are crucial for its future success. BOTJ must carefully manage interest rate risk and operating expenses to maintain profitability and shareholder value.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change. Consult a financial professional before making investment decisions.
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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