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Upturn AI Summary - About
Bank of the James Financial Group(BOTJ)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BOTJ
10/08/2026: BOTJ (4-star) is currently NOT-A-BUY. Pass it for now.
Bank of the James Financial Group is a community-focused regional bank serving the Central Virginia area. The company leverages a relationship-based model to build a loyal customer base and provides stable, consistent dividend income, which appeals to income-focused investors. Its primary growth strategy revolves around organic loan portfolio expansion and increasing fee-based revenue from wealth management services. Key risks include intense competition from larger national banking organizations, sensitivity to interest rate fluctuations, and geographic concentration in its local markets. Investors should monitor local economic trends, interest rate shifts, and the bank’s ability to manage costs while investing in digital banking infrastructure to maintain its competitive position.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature, slow-growth regional bank with limited potential for rapid capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and lacks the volatility profiles favored by momentum strategies. |
| Value investor | Mixed fit | The valuation may be attractive to those seeking community bank exposure, provided they are comfortable with regional risks. |
| Dividend investor | Strong fit | The company maintains a track record of consistent dividend payments suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While more stable than high-growth sectors, the bank is subject to interest rate and regional economic risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can be sensitive to regional economic updates and banking sector news. |
| Valuation risk | Medium | Bank stocks are sensitive to interest rate expectations which can lead to valuation shifts. |
| Competition risk (National/Regional Banks) | High | Larger competitors with greater resources can pressure margins and market share. |
| Business quality | Medium | The business relies on steady local economic conditions and effective credit underwriting. |
| Dividend income | Medium | Dividend sustainability depends on maintained profitability and capital levels. |
| Execution risk | Medium | Success depends on the ability to manage loan portfolios and operating expenses effectively. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 131.5% | Avg. Invested days 104 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/08/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 123.06M USD | Price to earnings Ratio 10.71 | 1Y Target Price - |
Price to earnings Ratio 10.71 | 1Y Target Price - | ||
Volume (30-day avg) 39.3K shares | Beta 0.19 | 52 Weeks Range 14.17 - 29.55 | Updated Date 10/08/2026 |
52 Weeks Range 14.17 - 29.55 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 1.47% | Basic EPS (TTM) 2.53 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the primary way the bank makes money; it earns more from interest than it pays out. |
| Non-Interest Income | Fees from wealth management, trust services, and deposit account service charges. | This provides supplemental revenue that is less dependent on interest rate changes. |
| Geography: Central Virginia | Lending and deposit gathering operations focused in the Lynchburg and surrounding areas. | The bank's performance is tied directly to the economic health of these local Virginia communities. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 10.71 | Forward PE - | Enterprise Value 97.02M | Price to Sales(TTM) 2.4 |
Enterprise Value 97.02M | Price to Sales(TTM) 2.4 | ||
Enterprise Value to Revenue 2.53 | Enterprise Value to EBITDA - | Shares Outstanding 4.54M | Shares Floating 3.66M |
Shares Outstanding 4.54M | Shares Floating 3.66M | ||
Percent Insiders 12.74 | Percent Institutions 32.02 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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