Bank of the James Financial Group Inc BOTJ US Equity

Financials · CIK 1275101 · FY ends Dec 31

$27.01

+0.15 (+0.56%)

USD · as of 2026-08-28 · marketstack

Bank of the James Financial Group Inc (Nasdaq: BOTJ), an SEC filer in State Commercial Banks, closed at $27.01, +0.6%, on 2026-08-28, with a market cap of $122M as of 2026-08-27, a trailing P/E of 13.5, a return on equity of 12.5%, a net margin of 18.5% and 3-year sales growth of 4.3%. Institutional ownership, earnings history and filed financials are on the tabs below.

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Multiples & cost of capital

$27.01 · 2026-08-28 · marketstack

Size & multiples

Market Cap (close × cover-page shares)

$122.7M

Enterprise Value

—

P/E (TTM)

13.57×

PEG (trailing)

9.86×

P/S

2.37×

P/FCF

10.66×

EV/EBITDA

—

EV/EBIT

—

EV/Sales

—

EV/FCF

—

FCF Yield

9.38%

Buyback Yield

0.81%

Owner Earnings Yield

—

Shareholder Yield

2.29%

Cost of capital & EVAmethodology →

Beta (5y monthly)

0.18

Risk-free (assumed)

4.00%

Equity risk premium (assumed)

4.23%

Cost of Equity

—

After-tax Cost of Debt

—

WACC

—

ROIC

—

EVA Spread (ROIC−WACC)

—

EVA

—

Flows TTM (last 4 quarters); latest annual for: EPS (Diluted) · EPS TTM $1.99 · revenue TTM $51.8M · FCF TTM $11.5M

No four consecutive quarters could be summed for EPS (Diluted); these figures use the latest fiscal year, not a trailing twelve months.
Some figures named '(TTM)' on this payload are the latest FISCAL YEAR, not a trailing twelve months — eps_ttm (fiscal year ended 2025-12-31). No four consecutive quarters could be summed for them — for an IFRS 20-F filer that is every income-statement line (no quarterly income statement is tagged to EDGAR at all); for a US filer it is usually one line the quarterly tagging skips. Each field's own basis is on field_basis.
full derived coverage requires a plan

Output of a disclosed model — assumptions may be wrong. Research, not investment advice. See the Disclaimer.

Own-history valuation (point-in-time)141 monthly snapshots · 2014-12 → 2026-08

P/E (FY) 13.50× sits at the 87th percentile of its own 66-month range (2021-03→2026-08) — own median 8.06×, 4.76×–16.05× range

Own history, not peers · point-in-time, filing-date honest · Multiples above prints 13.57× on trailing-12-month earnings

sector median from 828 Financials names in the same archive

Column definitions

Today: — Latest value — live figure if it matches, else newest snapshot.
Own median: — Middle of this name's own months in the window.
Own range: — min→max rule, shaded p10–p90, tick median, dot today.
%ile: — Where today ranks in its own history.
z: — Standard deviations from its own mean.
Sector med.: — Same-month sector median in the archive.
mo · distinct: — Months · distinct values (the real sample size).

Metric	Today	Own median	Own range	%ile	z	Sector med.	mo · distinct
	13.50×	8.06×		87th	+1.47σ	14.57×	66 · 65
	12.5%	12.7%	no band (54 mo · 5 distinct)	—	—	10.1%	54 · 5
ROIC (FY)	—	no reconstructed observations for this name and metric.
	18.5%	19.8%		41st	−0.01σ	19.5%	66 · 6
	107.7%	12.0%		98th	+2.64σ	24.7%	141 · 141
	1.4%	—	no band (30 mo · 3 distinct)	—	—	3.7%	30 · 3
	4.3%	—	no band (30 mo · 3 distinct)	—	—	7.4%	30 · 3
Market Cap	$122.03M	not reconstructed — market cap was removed from the historical pass (never a ranking factor, and a reconstructed share count carries look-ahead risk). The single stored value is the forward-captured snapshot, not a series.

P/E (FY) · point-in-time monthly66 monthly observations · 2021-03 → 2026-08

P/E (point-in-time)Financials median, same monthshaded = own p10–p90 · dashed = own median · right-edge tick = today

Multiple-implied price ladder · Fulltoday 13.57× · $27.01 (2026-08-28 close)

Filed earnings only.

Own median 8.06× × $1.99 = $16.05 vs the $27.01 close · earnings held constant

Own multiple	P/E	Implied price	vs close
10th percentile	5.46×	$10.87	−59.8%
25th percentile	6.88×	$13.70	−49.3%
median	8.06×	$16.05	−40.6%
75th percentile	11.49×	$22.86	−15.4%
90th percentile	14.52×	$28.89	+7.0%
today	13.57×	$27.01	—

Own multiple

P/E

Implied price

vs close

10th percentile

5.46×

$10.87

−59.8%

25th percentile

6.88×

$13.70

−49.3%

median

8.06×

$16.05

−40.6%

75th percentile

11.49×

$22.86

−15.4%

90th percentile

14.52×

$28.89

+7.0%

today

13.57×

$27.01

—

Reference computation · 66 monthly P/E observations in Full · EPS basis FY2025 EPS (Diluted) $1.99 · close $27.01 (2026-08-28)

Not a forecast: each row re-prices today's filed earnings at a multiple this company itself once traded at. It abstains rather than guess on a loss year or a broken per-share basis.

Reconstructed point-in-time · 141 monthly snapshots 2014-12 → 2026-08 · 139 reconstructed, 2 live 2 forward-captured

Every month uses only what was filed by then, split-adjusted. Delisted names are absent and a trough year can throw one huge reading, so read the median, not the edges.

Percentile through time (point-in-time cohort)

Loading the monthly cohort placement…

▸Comp setname your own peers — pick a pool or add tickers

Cheap vs Financials on P/E

P/E 42nd pct

vs Financials· 828 names

Whole-sector pool — median skews small.

Metric	This (FY)	Peer median	IQR (25–75)	%ile
P/E	13.5x	14.4x	11.8x–20.5x	42 ↓cheap
P/Sales	2.5x	3.7x	2.3x–4.9x	27 ↓cheap
FCF Yield	8.6%	6.4%	1.8%–9.6%	68 ↑strong
Dividend Yield	1.5%	2.2%	1.3%–3.1%	28 ↓weak
Net Margin	18.5%	19.5%	5.7%–29.8%	47 ↓weak
ROE	12.5%	10.1%	5.7%–14.3%	66 ↑strong

Metric

This (FY)

Peer median

IQR (25–75)

%ile

P/E

13.5x

14.4x

11.8x–20.5x

42 ↓cheap

P/Sales

2.5x

3.7x

2.3x–4.9x

27 ↓cheap

FCF Yield

8.6%

6.4%

1.8%–9.6%

68 ↑strong

Dividend Yield

1.5%

2.2%

1.3%–3.1%

28 ↓weak

Net Margin

18.5%

19.5%

5.7%–29.8%

47 ↓weak

ROE

12.5%

10.1%

5.7%–14.3%

66 ↑strong

P/Sales basis · 445 peers

Reading the covered industry pool…

Held-with peers…

Peers by disclosure language…

Metric

Today

Own median

Own range

%ile

Sector med.

mo · distinct

13.50×

8.06×

87th

+1.47σ

14.57×

66 · 65

12.5%

12.7%

no band (54 mo · 5 distinct)

—

10.1%

54 · 5

ROIC (FY)

—

no reconstructed observations for this name and metric.

18.5%

19.8%

41st

−0.01σ

19.5%

66 · 6

107.7%

12.0%

98th

+2.64σ

24.7%

141 · 141

1.4%

—

no band (30 mo · 3 distinct)

—

3.7%

30 · 3

4.3%

—

no band (30 mo · 3 distinct)

—

7.4%

30 · 3

Market Cap

$122.03M

not reconstructed — market cap was removed from the historical pass (never a ranking factor, and a reconstructed share count carries look-ahead risk). The single stored value is the forward-captured snapshot, not a series.

Own multiple	P/E	Implied price	vs close
10th percentile	5.46×	$10.87	−59.8%
25th percentile	6.88×	$13.70	−49.3%
median	8.06×	$16.05	−40.6%
75th percentile	11.49×	$22.86	−15.4%
90th percentile	14.52×	$28.89	+7.0%
today	13.57×	$27.01	—

Own multiple

P/E

Implied price

vs close

10th percentile

5.46×

$10.87

−59.8%

25th percentile

6.88×

$13.70

−49.3%

median

8.06×

$16.05

−40.6%

75th percentile

11.49×

$22.86

−15.4%

90th percentile

14.52×

$28.89

+7.0%

today

13.57×

$27.01

—

Metric	This (FY)	Peer median	IQR (25–75)	%ile
P/E	13.5x	14.4x	11.8x–20.5x	42 ↓cheap
P/Sales	2.5x	3.7x	2.3x–4.9x	27 ↓cheap
FCF Yield	8.6%	6.4%	1.8%–9.6%	68 ↑strong
Dividend Yield	1.5%	2.2%	1.3%–3.1%	28 ↓weak
Net Margin	18.5%	19.5%	5.7%–29.8%	47 ↓weak
ROE	12.5%	10.1%	5.7%–14.3%	66 ↑strong

Metric

This (FY)

Peer median

IQR (25–75)

%ile

P/E

13.5x

14.4x

11.8x–20.5x

42 ↓cheap

P/Sales

2.5x

3.7x

2.3x–4.9x

27 ↓cheap

FCF Yield

8.6%

6.4%

1.8%–9.6%

68 ↑strong

Dividend Yield

1.5%

2.2%

1.3%–3.1%

28 ↓weak

Net Margin

18.5%

19.5%

5.7%–29.8%

47 ↓weak

ROE

12.5%

10.1%

5.7%–14.3%

66 ↑strong

Calendar year	2020	2021	2022	2023	2024	2025
Share of covered pool	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Calendar year

2020

2021

2022

2023

2024

2025

Share of covered pool

0.0%

Bank of the James Financial Group Inc BOTJ US Equity☆

Multiples & cost of capital

▸Comp setname your own peers — pick a pool or add tickers

vs Financials· 828 names

Multiples & cost of capital

▸Comp setname your own peers — pick a pool or add tickers

vs Financials· 828 names

Bank of the James Financial Group Inc BOTJ US Equity