Bank of the James Financial Group Inc. (BOTJ) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, Bank of the James Financial Group Inc. (NASDAQ: BOTJ) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $23.76 (+0.38% 1D, market cap $107.5M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BOTJ ranks #472 in composite RQD confidence.
Within the Financials sector (Major Banks), BOTJ carries a Roarable C- (59/100 RQD), trailing P/E of 11.9x, gross margin of —, and ROIC of 11.3%. By comparison, OPHC (OptimumBank Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 6.9x, ROIC 13.7%, cap $115.1M) and PNBK (Patriot National Bancorp Inc.) posts a D- grade (36/100 RQD, P/E N/A, ROIC -13.4%, cap $100.2M). Among the 5-stock peer group, OPHC leads on earnings multiple (6.9x) while OPHC leads on capital efficiency (13.7% ROIC).
Per BOTJ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001275101), Bank of the James Financial Group Inc. generated $0 in revenue, $9.0M in net income, and $10.5M in free cash flow against $1.04B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
SEC XBRL FY 2025 (10-K): 0.3% FCF Margin ($10.5M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)
Even with a 59/100 (C-) score, BOTJ faces multiple-compression risk if 11.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($27.25) or 200D SMA ($24.03) invalidates the momentum regime and cuts Target Base ($23.87) toward Bear Floor ($18.62).
Bank of the James Financial Group Inc. (BOTJ) advanced +0.38% to $23.76, trading at 52% of its 52-week range ($16.2 – $30.84). Solid steady margins (11% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
TradingView report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
Bank of the James Financial Group Reports First Nine Months 2026 Net Income of $9.34 Million, $2.05 Per ShareLYNCHBURG, Va., Oct. 30, 2026 (GLOBE NEWSWIRE) -- Bank of the James Financial Group, Inc. (the “Company”) (NASD
Bank of the James Finl Gr (NASDAQ:BOTJ) reported quarterly earnings of $0.73 per share. This is a 19.67 percent increase over earnings of $0.61 per share from the same period last year. The company reported $13.900
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on BOTJ today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for BOTJ. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Bank of the James Financial Group Inc. (BOTJ) ranks #472 by composite RQD confidence (59/100, grade C-) and #950 by equity capitalization ($107.5M). Within this direct 5-issuer industry benchmark cohort, OPHC leads on earnings valuation at 6.9x trailing P/E, while OPHC leads on capital efficiency and profitability with 13.7% ROIC and — gross margin. OPHC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BOTJ at 59/100 (C-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| BOTJ
ACTIVE
Bank of the James Financial Group Inc. | C- | 59/100 | 11.9x | — | 11.3% | +0.38% | $107.5M | Benchmark Subject |
| OPHC OptimumBank Holdings Inc. | C+ | 69/100 | 6.9x | — | 13.7% | +0.33% | $115.1M | /ophc-vs-botj → |
| PNBK Patriot National Bancorp Inc. | D- | 36/100 | — | — | -13.4% | -1.31% | $100.2M | /pnbk-vs-botj → |
| UNB Union Bankshares Inc. | C | 65/100 | 10.5x | — | 13.7% | -1.89% | $116.9M | /unb-vs-botj → |
| FUSB First US Bancshares Inc. | C+ | 66/100 | 15.3x | — | 5.7% | -0.66% | $91.4M | /fusb-vs-botj → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bank of the James Financial Group Inc. (BOTJ) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $9.0M, operating cash flow of $11.7M, and free cash flow of $10.5M (+76.1% YoY). On the balance sheet, BOTJ closed FY2025 with $1.04B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $9.0M | $11.7M | $10.5M | $1.04B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $7.9M | $8.5M | $6.0M | $979.2M | — |
| FY2023 (FY) | 2023-12-31 | $0 | $8.7M | $9.5M | $9.5M | — | — |
As of 2026-11-02, Bank of the James Financial Group Inc. (NASDAQ: BOTJ) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $23.76 (+0.38% 1D, market cap $107.5M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BOTJ ranks #472 in composite RQD confidence.
Within the Financials sector (Major Banks), BOTJ carries a Roarable C- (59/100 RQD), trailing P/E of 11.9x, gross margin of —, and ROIC of 11.3%. By comparison, OPHC (OptimumBank Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 6.9x, ROIC 13.7%, cap $115.1M) and PNBK (Patriot National Bancorp Inc.) posts a D- grade (36/100 RQD, P/E N/A, ROIC -13.4%, cap $100.2M). Among the 5-stock peer group, OPHC leads on earnings multiple (6.9x) while OPHC leads on capital efficiency (13.7% ROIC).
Per BOTJ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001275101), Bank of the James Financial Group Inc. generated $0 in revenue, $9.0M in net income, and $10.5M in free cash flow against $1.04B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
BOTJ last traded at $23.76 (+0.38% on volume of 40,515 shares), positioning the stock -12.81% below its 50-day simple moving average ($27.25) and -1.12% below its 200-day simple moving average ($24.03). Across its 52-week range of $16.20 to $30.84, BOTJ sits at the 51.6% percentile with a 14-day RSI of 29.1 (OVERSOLD (<32)) and an implied next-earnings move of ±7.9% ($21.88 to $25.64).
Why BOTJ Stock advanced +0.38% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, BOTJ scores 59 out of 100, a letter grade of C-, with a verdict label of "Roarable Hold — Cautious Neutral." The five pillars are:
Investor implications. The rating's upside case rests on the cash-generation metrics (ROIC and FCF yield) and the insider-flow pillar. Its valuation tradeoff is visible in the market data: per the market data section, the forward P/E of 11.1 sits just below the trailing P/E of 11.9, suggesting modest expected earnings growth. The weak institutional pillar (3 / 20) is the main reason the overall grade remains neutral rather than constructive. A prospective investor would be weighing a cash-generative, lightly-levered small bank against thin institutional sponsorship and market-neutral beta.
Bank of the James Financial Group Inc. is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry, per the profile section. The profile identifies the company as operating with a market capitalization of $0.1B. Not available in source data: specific products, customer segments, and revenue model details.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $9.0M | N/A | $10.5M | N/A | N/A |
| FY 2024 | $0.0M | $0.0M | $7.9M | N/A | $6.0M | N/A | N/A |
| FY 2023 | $0.0M | $0.0M | $8.7M | N/A | $9.5M | N/A | N/A |
Per the SEC financials, net income moved from $8.7M in FY 2023 to $7.9M in FY 2024 and then to $9.0M in FY 2025, while FCF went from $9.5M to $6.0M to $10.5M across the same periods. Per the market data section, gross, operating, and net margins are each listed as 0%, and these figures are not meaningful for interpreting profitability in this dataset. Per the Roarable RQD rating, ROIC is 11.3%, Altman Z is 2.5, and Piotroski F is 5/9, with Debt/Equity at 0.5. Not available in source data: revenue, operating income, cash, and debt values for the periods above.
Risk watch items: the Q3 earnings headline inconsistency, rising short interest, and the 52-week range spanning $16.2 to $30.84, which indicates substantial price volatility over the trailing year.
Proprietary signals. Per the Butterfly Supply-Chain Graph, the supply-chain designation is NONE, and no butterfly links or proprietary signals are recorded.
Per the Butterfly Supply-Chain Graph, no upstream or downstream dependencies, butterfly links, or proprietary signals are recorded. Not available in source data: sector correlation coefficients, funding dependencies, deposit concentration, or credit exposure. Watch items for a prospective investor are limited to the sector classification (Financials / Major Banks) and the Beta of 1.0 from the market data, which together suggest broad-market and sector-wide sensitivity rather than a specific supply-chain bottleneck.
Real-time company headlines, analyst actions, and sector developments for Bank of the James Financial Group Inc. (BOTJ) • Click "Debate This Headline" to argue it in the Roar Pit below
TradingView report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Bank of the James Financial Group Inc. (BOTJ) market action, institutional positioning, and fundamental catalysts.
Welcome to the BOTJ (Bank of the James Financial Group Inc.) Roar Pit. Current RQD Composite is 59/100 (Roarable Hold — Cautious Neutral) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on BOTJ, but look at what you are paying: 11.9x trailing P/E with tightening sector spreads. Unless Bank of the James Financial Group Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on BOTJ, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $23.76 (52-wk range $16.20 - $30.84), any beat on forward guidance forces shorts and underweight funds to chase.
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