Bank of James Financial Group Inc.

BOTJ | NASDAQ

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$26.95

-$0.30 (-1.10%)

At close: Sep 21, 2026, 4:00 PM ET

$26.95

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $123.81M

Enterprise Value $-139.06M

Beta 0.18

Average Volume 26.75K

Shares Outstanding (Diluted) N/A

Shares Change YoY 0%

Institutional Ownership 29.77%

Exchange NASDAQ

ISIN US4702991088

Price Performance

Price Change 1M -0.1%

Price Change 3M 9.8%

Price Change 6M 28.8%

Price Change YTD 45.4%

Price Change 1Y 75.8%

Price Change 3Y 151.4%

Price Change 5Y 89.1%

1M CAGR (ann.) 1.0%

1Y CAGR (ann.) 83.5%

5Y CAGR (ann.) 17.6%

All-Time CAGR 5.4%

Valuation

PE Ratio 22.27

Forward PE N/A

PEG Ratio 0.18

Forward PEG 0.18

PS Ratio 2.18

Forward PS N/A

PB Ratio 1.47

P/FCF Ratio 8.03

P/Adj. FCF Ratio 8.03

P/OCF Ratio 9.69

EV/Sales -2.47

EV/EBIT -22.35

EV/EBITDA -22.56

EV/FCF -9.12

Earnings Yield 4.5%

FCF Yield 12.4%

Adj. FCF Yield 12.4%

Financial Health

Net Cash $261.51M

Total Debt $0

Cash & Short-Term Investments $261.51M

Total Assets $1.04B

Current Ratio 0.03

Quick Ratio 0.03

Debt / Equity Ratio 0.10

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 0.79

Altman Z-Score -0.82

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 77.3%

Operating Profit Margin 11.9%

EBITDA Margin 18.4%

Net Profit Margin 18.9%

FCF Margin 27.1%

Adj. FCF Margin 27.1%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 1.1%

Return on Equity 14.3%

Return on Invested Capital 7.9%

Return on Capital Employed 9.8%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 5.2%

Revenue CAGR 5Y 7.0%

Revenue CAGR 10Y 8.4%

EPS CAGR 3Y -14.8%

EPS CAGR 5Y -3.7%

EPS CAGR 10Y 3.5%

FCF CAGR 3Y -1.2%

FCF CAGR 5Y 12.5%

FCF CAGR 10Y 29.1%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Jul 29, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $22.32

Graham Upside -17.2%

Lynch Fair Value $6.05

Lynch Upside -77.5%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $15.64M

Free Cash Flow $15.24M

Adj. Free Cash Flow $15.24M

FCF Per Share $2.80

OCF Per Share $2.78

OCF/S Ratio 20.8%

Income Statement

Revenue $56.2M

Gross Profit $24.76M

Operating Income $6.71M

EBITDA $6.16M

Net Income $5.48M

EPS (Diluted) $1.21

Revenue / Employee $332.53K

Profit / Employee $32.4K

Employees 169

Dividends

Annual Dividend $0.40

Dividend Yield 1.48%

Payout Ratio 33.1%

FCF Payout Ratio 11.9%

Adj. FCF Payout Ratio 11.9%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 20, 2026