Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
BOTJ 
Bank of the James Financial Group (BOTJ)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/12/2025: 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 38.69% | Avg. Invested days 50 | 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 09/12/2025 |
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. The company provides various banking products and services to individuals, businesses, and nonprofit organizations.
Core Business Areas
- Commercial Banking: Provides lending and deposit products to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers traditional banking services to individuals, such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The company is led by Robert R. Chapman III, as CEO. The organizational structure includes departments for commercial lending, retail banking, wealth management, and operations, overseen by senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available. Competitors include other regional and national banks like Truist and Wells Fargo.
- Small Business Loans: Offers loans to small businesses for various purposes. Market share data is not publicly available. Competitors include other regional banks and online lenders like BlueVine and Funding Circle.
- Mortgage Loans: Provides residential mortgage loans to individuals. Market share data is not publicly available at a granular level. Competitors include national lenders like Rocket Mortgage and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating a changing interest rate environment, increased regulatory scrutiny, and growing competition from fintech companies.
Positioning
Bank of the James Financial Group operates as a community bank, focusing on building relationships with local businesses and individuals. Its competitive advantage lies in its personalized service and local market expertise.
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 community-focused approach, targeting small to medium sized businesses and individuals within its operating footprint.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Personalized customer service
- Sound asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower brand recognition compared to national players
Opportunities
- Expansion into new markets within Virginia
- Increased adoption of digital banking technologies
- Strategic partnerships with fintech companies
- Growing demand for wealth management services
Threats
- Increasing competition from larger banks and fintech companies
- Economic downturn in the region
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Wells Fargo & Company (WFC)
- PNC Financial Services Group (PNC)
Competitive Landscape
Bank of the James Financial Group faces intense competition from larger regional and national banks. Its advantages lie in its local focus and personalized service, but it must overcome its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends depend on previously reported financial data, not dynamically updated here.
Future Projections: Future growth projections can be obtained from analyst reports and company guidance, not dynamically updated here.
Recent Initiatives: Recent strategic initiatives may include branch expansions, new product launches, or technology investments.
Summary
Bank of the James Financial Group is a community bank with a strong local presence. It excels in providing personalized service and building relationships. However, it faces challenges from larger competitors and needs to invest in technology to remain competitive and should look for ways to improve its efficiency and expand its product offerings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated. The AI-based rating is for illustrative purposes only.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.