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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.What is Bank of the James Financial Group?
Bank of the James Financial Group, Inc.
BOTJ · Verdict
Solid reward · low risk
BOTJ scores well on volatility and balance sheet with no major weaknesses flagged in the model.
Based on 88% data coverage
BOTJ · Verdict
What’s working & what to watch
Strengths 5
- Volatility95/100
Top decile vs peers
- Balance sheet76/100
Interest covered 0.8×
- Profitability73/100
14% net margin · 12% ROE
- Valuation68/100
Above average
- Cash flow66/100
17% free-cash-flow margin
Model-based scoring. For information only — not financial advice.
What is Bank of the James Financial Group?
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. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 104.04M, and a P/E ratio of 11.5x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (58)The scoring profile indicates moderate reward potential, with profitability and valuation as the leading contributors. Risk indicators are low, suggesting a relatively contained downside profile.
For informational purposes only. Not financial advice.