Bank of the James Q2 Earnings Gain Y/Y on Loan Growth, Lower Costs
BOTJ posts higher y/y earnings in Q2 as loan growth, a wider net interest margin and lower expenses offset a higher credit-loss provision.
Zacks Investment Research8/3/2026Neutral
BOTJ
Bank of the James Financial GroupNASDAQFINANCIAL SERVICESBANKS - REGIONAL
Key Statistics
Market Cap
$125.99M
P/E Ratio
10.96
EPS
$2.53
Beta
0.18
52W High
$29.66
52W Low
$13.98
50-Day MA
$25.87
200-Day MA
$21.45
Dividend Yield
1.44%
Profit Margin
22.40%
Forward P/E
—
PEG Ratio
0.00
About Bank of the James Financial Group
Bank of the James Financial Group, Inc. is the Bank of the James business providing general commercial and retail banking services to individuals, businesses, associations and organizations, and government authorities in Virginia, United States. The company is headquartered in Lynchburg, Virginia.
Fundamentals
| Revenue (TTM) | $51.20M |
| Gross Profit (TTM) | $51.20M |
| EBITDA | — |
| Operating Margin | 32.30% |
| Return on Equity | 14.80% |
| Return on Assets | 1.12% |
| Revenue/Share (TTM) | $11.27 |
| Book Value | $18.30 |
| Price-to-Book | 1.52 |
| Price-to-Sales (TTM) | 2.46 |
| EV/Revenue | 2.651 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 19.80% |
| Quarterly Revenue Growth (YoY) | 4.10% |
| Shares Outstanding | $4.54M |
| Float | $3.48M |
| % Insiders | 12.74% |
| % Institutions | 31.86% |
Historical Volatility
HV 10-Day
9.47%
HV 20-Day
15.31%
HV 30-Day
15.92%
HV 60-Day
20.09%
HV Rank
6.0%
Volatility is currently contracting
Latest News
Bank of the James Announces Second Quarter of 2026 and First Half of 2026 Financial Results and Declaration of Dividend
Bank of the James Reports First Half 2026 Net Income of $6.01 Million, $1.32 Per Share Bank of the James Reports First Half 2026 Net Income of $6.01 Million, $1.32 Per Share
GlobeNewsWire7/30/2026Neutral
BOTJ vs. CFFI: Which Regional Bank Stock Looks More Attractive Now?
Bank of the James's earnings surge, efficiency gains, healthier asset quality and lower valuation make it look more attractive than C&F Financial for capital appreciation.
Zacks Investment Research7/8/2026Positive
Bank of the James Q1 Earnings Surge Y/Y on Strong Income Growth
BOTJ posts strong Q1 results with surging net income, improved margins and solid deposit growth, outperforming broader market gains.
Zacks Investment Research5/5/2026Positive
Bank of the James Announces First Quarter 2026 Financial Results and Declaration of Dividend
Bank of the James Reports First Quarter 2026 Net Income of $2.77 Million, or $0.61 Per Share Bank of the James Reports First Quarter 2026 Net Income of $2.77 Million, or $0.61 Per Share
GlobeNewsWire4/30/2026Neutral
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Data last updated: 8/18/2026