Bank of the James Financial Group, Inc. operates as the holding company for Bank of the James, which provides retail and commercial banking services in the central Virginia. The company offers various deposit services, including checking accounts, savings accounts, individual retirement accounts, and various time deposits. It originates commercial business lending loans for purchase of equipment, facilities' upgrades, inventory acquisition, and working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; consumer residential mortgage loans; and various secured and unsecured consumer loans. The company's market area consists of seven jurisdictions of the Town of Altavista, Amherst County, Appomattox County, the City of Bedford, Bedford County, Campbell County, and the City of Lynchburg. The company, through its other subsidiary, BOTJ Investment Group, Inc., offers brokerage and investment services, including fixed and variable annuity products.
| Revenue (Most Recent Fiscal Year) | $59.78M |
| Net Income (Most Recent Fiscal Year) | $7.94M |
| PE Ratio (Current Year Earnings Estimate) | -- |
| PE Ratio (Trailing 12 Months) | 9.66 |
| PEG Ratio (Long Term Growth Estimate) | -- |
| Price to Sales Ratio (Trailing 12 Months) | -- |
| Price to Book Ratio (Most Recent Quarterly Book Value per Share) | 0.94 |
| Price to Cash Ratio (Most Recent Annual Cash Flow per Share) | 6.17 |
| Pre-Tax Margin (Trailing 12 Months) | 13.62% |
| Net Margin (Trailing 12 Months) | 10.91% |
| Return on Equity (Trailing 12 Months) | 10.01% |
| Return on Assets (Trailing 12 Months) | 0.66% |
| Current Ratio (Most Recent Fiscal Quarter) | 0.81 |
| Quick Ratio (Most Recent Fiscal Quarter) | 0.80 |
| Debt to Common Equity (Most Recent Fiscal Quarter) | 0.00 |
| Inventory Turnover (Trailing 12 Months) | 3.55 |
| Book Value per Share (Most Recent Fiscal Quarter) | $14.18 |
| Earnings per Share (Most Recent Fiscal Quarter) | -- |
| Earnings per Share (Most Recent Fiscal Year) | -- |
| Diluted Earnings per Share (Trailing 12 Months) | $1.46 |
| Exchange | NASDAQ |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Common Shares Outstanding | -- |
| Free Float | -- |
| Market Capitalization | -- |
| Average Volume (Last 20 Days) | 1816.55 |
| Beta (Past 60 Months) | 0.29 |
| Percentage Held By Insiders (Latest Annual Proxy Report) | 15.37% |
| Percentage Held By Institutions (Latest 13F Reports) | 18.50% |
| Annual Dividend (Based on Last Quarter) | $0.40 |
| Dividend Yield (Based on Last Quarter) | 2.84% |