BOTJFinancial Services · Banks - RegionalTicker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 77 of 100 as at 12 Sept 2026 — inside the top quartile.
Consensus tells you what everyone already believes. The model scores Bank of the James Financial Group, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Momentum (100): The shares have been drifting up relative to others.
Revisions (25): Analysts have, on balance, been cutting their forecasts.
Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.
The bullish and bearish analyst opinions on BOTJ, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Computed off the Friday close and sent before the US open.
Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. BOTJ appears on the weeks it earns a place.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 11 Sept 2026, Bank of the James Financial Group, Inc. returned +89.8% against +17.5% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 57% of US stocks
Cheaper than 47% of US stocks
Cheaper than 55% of US stocks
Higher than 36% of US stocks
Higher than 58% of US stocks
Higher than 88% of US stocks
Higher than 84% of US stocks
Higher than 74% of US stocks
Higher than 51% of US stocks
Higher than 33% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Bank of the James Financial Group, Inc. has a market value of $124.8M and an enterprise value of $97.9M.
Revenue in the twelve months to 30 June 2026: $50.9M. The latest quarter grew 4.1% year on year.
Net income over the same four quarters: $11.5M, a 22.6% net margin.
Diluted earnings per share, trailing twelve months: $2.53.
Free cash flow in the twelve months to 30 June 2026: $11.5M.
Bank of the James Financial Group, Inc. spent $1.8M on dividends in the twelve months to 30 June 2026.
Trailing P/E: 10.9×.
Forward dividend yield: 1.44%, paying out 16% of earnings.
Bank of the James Financial Group, Inc. employs 162 people — $314K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| BOTJBank of the James Financial Group, Inc. | $124.8M | 77 |
| FGBIFirst Guaranty Bancshares, Inc. | $125.6M | 25 |
| SFBCSound Financial Bancorp, Inc. | $123.2M | 47 |
| MGYRMagyar Bancorp, Inc. | $127.1M | 54 |
| PROVProvident Financial Holdings, Inc. | $120.6M | 92 |
| UNBUnion Bankshares, Inc. (Vermont) | $117.5M | 33 |
| BSBKBogota Financial Corp. | $117.4M | 62 |
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Bank of the James Financial Group, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Bank of the James reported higher year-over-year earnings in Q2, with loan growth, a wider net interest margin, and lower expenses offsetting a higher credit-loss provision.
Why it matters — For BOTJ watchers, the results show the bank's earnings improved through stronger core lending and cost control despite a larger credit-loss provision.
Bank of the James released its financial results for the second quarter and first half of 2026, reporting first half net income of $6.01 million, or $1.32 per share, and announced a dividend declaration.
Why it matters — BOTJ watchers would care because the financial results and dividend declaration provide insight into the company's recent earnings performance and shareholder return activity.
As at 12 Sept 2026, Bank of the James Financial Group, Inc. ranks 77 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Momentum (100 of 100).
No analyst covering Bank of the James Financial Group, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for BOTJ are extrapolating price history, which says nothing about the business.
Bank of the James Financial Group, Inc. returned +89.8% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.
Bank of the James Financial Group, Inc. is a bank holding company that provides retail and commercial banking services through Bank of the James.
The most recent item we track (Zacks Investment Research, 3 Aug 2026): "Bank of the James Q2 Earnings Gain Y/Y on Loan Growth, Lower Costs". Bank of the James reported higher year-over-year earnings in Q2, with loan growth, a wider net interest margin, and lower expenses offsetting a higher credit-loss provision.
Bank of the James Financial Group, Inc. is a bank holding company that provides retail and commercial banking services through Bank of the James. The company serves individuals, businesses, associations, organizations, and government entities with deposit accounts, lending solutions, and related financial products. Its operations are organized across community banking, mortgage banking, and investment advisory services, allowing it to support everyday banking needs as well as home financing and wealth management. Through its community banking franchise, Bank of the James offers a broad range of customer-facing services in its market areas, while its mortgage and advisory businesses extend its role across residential lending and financial planning. Bank of the James Financial Group, Inc. is headquartered in Lynchburg, Virginia, and focuses on serving local and regional clients in Virginia.
CEO Mr. Robert R. Chapman III · 162 employees · United States · https://www.bankofthejames.bank
