Stocks · Financial Services · Banks - Regional
Bank of the James Financial Group, Inc. BOTJ
$27.30 +0.37% Close, Oct 2, 2026 · NASDAQ · Market cap $124.0M
Strong trendLow risk
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.53, up 59.1% year over year.
- The shares trade at 10.8× trailing earnings, higher than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 283 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 29%
- EPS growth (TTM, YoY)Top 19%
- FCF growth (TTM, YoY)Top 30%
- Revenue growth, 3-year CAGRBottom 38%
- Revenue growth accelerationTop 35%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 20%
- Gross marginTop 21%
- Operating marginBottom 39%
- Cash conversion (OCF / net income)Bottom 45%
- Accruals (lower is better)Bottom 40%
- Net debt / EBITDA (lower is better)Top 14%
- Interest coverBottom 43%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 22%
- Free-cash-flow yieldTop 35%
- EBITDA / enterprise valueTop 27%
- Sales / enterprise valueTop 23%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 3%
- 6-month returnTop 11%
- 1-year return vs S&P 500Top 2%
- Distance from 52-week highTop 41%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 24%
- Maximum drawdown, 3 yearsTop 46%
- Beta vs S&P 500 (lower is better)Top 18%
- Net debt / EBITDA (lower is better)Top 14%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.5% | 0.7% | ↑ |
| EPS growth (YoY) | 65.8% | 59.1% | ↓ |
| Gross margin | 75.9% | 77.3% | ↑ |
| Operating margin | 14.9% | 17.0% | ↑ |
| FCF margin | 14.2% | 21.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 0.7% | -0.5% | ↑ | Bottom 29% |
| EPS growth (TTM, YoY) | 59.1% | 65.8% | ↓ | Top 19% |
| Gross margin | 77.3% | 75.9% | ↑ | Top 21% |
| Operating margin | 17.0% | 14.9% | ↑ | Bottom 39% |
| Net margin | 18.9% | 11.9% | ↑ | — |
| Free-cash-flow margin | 21.0% | 14.2% | ↑ | — |
| Return on invested capital | 7.9% | — | Top 20% | |
| Revenue growth, 3-year CAGR | 12.3% | — | Bottom 38% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.10×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +7.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.43×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.46%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 1.46%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- -0.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 12, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.2%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | — | -0.6% | -2.4% | -3.9% | — |
| Apr 30, 2026 | — | +0.3% | +0.9% | -0.2% | +17.9% |
| Feb 4, 2026 | — | +2.1% | +1.4% | -0.7% | +14.6% |
| Oct 30, 2025 | — | +0.0% | +4.4% | +4.7% | +14.2% |
| Aug 4, 2025 | — | +1.0% | +1.8% | +13.4% | +18.6% |
| Apr 30, 2025 | — | -2.7% | +0.8% | +1.5% | -0.9% |
| Jan 31, 2025 | — | -0.5% | -2.4% | -6.0% | +0.0% |
| Oct 25, 2024 | — | -1.2% | -1.5% | +9.0% | +0.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.71 | — | — | $16.8M |
| Apr 30, 2026 | $0.61 | — | — | $11.8M |
| Feb 4, 2026 | $0.60 | — | — | $16.3M |
| Oct 30, 2025 | $0.61 | — | — | — |
| Aug 4, 2025 | $0.60 | — | — | $15.4M |
| Apr 30, 2025 | $0.19 | — | — | $14.3M |
| Jan 31, 2025 | $0.36 | — | — | $11.6M |
| Oct 25, 2024 | $0.44 | — | — | $11.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.8× | 8.1× | 95th | Top 22% |
| EV / EBITDA | 9.7× | — | — | Top 27% |
| EV / Sales | 1.78× | — | — | Top 23% |
| Free-cash-flow yield | 10.26% | — | — | Top 35% |
| Earnings yield | 9.27% | — | — | Top 22% |
P/E over the past five years
Range 4.9× – 10.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +75.0%
- Earnings per share growth (TTM)
- +59.1%
- Change in P/E multiple
- +23.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 283
- 50-day average slope (20 days)
- +2.2%
- 200-day average slope (20 days)
- +4.3%
- Distance from 50-day average
- +0.3%
- Distance from 200-day average
- +18.0%
- RSI (14)
- 53.7
- Relative volume
- 1.73×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.7%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.16
- Correlation with S&P 500
- 0.09
- Current drawdown from 1-year high
- -3.0%
- Maximum drawdown, 3 years
- -27.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 23, 2021 | May 3, 2023 | -52.1% | 468 days | 655 days (Dec 11, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $124.0M
- P/E (TTM)
- 10.8
- EPS, diluted (TTM)
- $2.53
- Revenue (TTM)
- $60.7M
- Dividend yield
- 1.47%
- 52-week range
- $14.44 – $29.79
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $39.3M | $44.2M | $51.4M | $59.0M | $62.5M |
| Gross profit | $37.7M | $42.9M | $42.0M | $44.2M | $48.7M |
| Operating income | $9.5M | $11.1M | $10.3M | $9.9M | $11.1M |
| Net income | $7.6M | $9.0M | $8.7M | $7.9M | $9.0M |
| EPS (diluted) | $1.60 | $1.91 | $1.91 | $1.75 | $1.99 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15.2M | $15.2M | $14.3M | $15.4M | $15.7M | $16.3M | $11.8M | $16.8M |
| Net income | $2.0M | $1.6M | $842,000 | $2.7M | $2.8M | $2.7M | $2.8M | $3.2M |
| EPS (diluted) | $0.44 | $0.36 | $0.19 | $0.60 | $0.61 | $0.60 | $0.61 | $0.71 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $16.3M | $9.3M | $9.5M | $8.5M | $11.7M |
| Capital expenditure | -$2.9M | -$1.2M | -$1.6M | -$2.5M | -$1.2M |
| Free cash flow | $13.4M | $8.1M | $7.9M | $6.0M | $10.5M |
| Dividends paid | -$1.3M | -$1.4M | -$1.5M | -$1.8M | -$1.8M |
| Net share buybacks | -$427,000 | -$1.4M | -$997,000 | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $261.5M
- Total assets
- $1.04B
- Total liabilities
- $958.2M
- Total debt
- $8.7M
- Net debt
- -$16.0M
- Shareholders’ equity
- $83.2M
As of Jun 30, 2026 (filed Aug 12, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 21, 2026 | $0.10 | Sep 4, 2026 |
| May 22, 2026 | $0.10 | Jun 5, 2026 |
| Feb 17, 2026 | $0.10 | Mar 6, 2026 |
| Nov 21, 2025 | $0.10 | Dec 5, 2025 |
| Sep 12, 2025 | $0.10 | Sep 26, 2025 |
| Jun 6, 2025 | $0.10 | Jun 20, 2025 |
| Mar 7, 2025 | $0.10 | Mar 21, 2025 |
| Nov 22, 2024 | $0.10 | Dec 6, 2024 |
Short interest
- Shares sold short
- 17,903
- Days to cover
- 1.00
- Change vs previous report
- +34.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 24, 2021
- 11-for-10
- Jun 17, 2010
- 11-for-10
- Jun 12, 2009
- 21-for-20
- Jun 13, 2008
- 11-for-10
- Jun 15, 2007
- 11-for-10