BOTJ
Bank of the James Financial Group, Inc.Financial Services · $122M market cap
Verdict
Share price
$27.30
close of Oct 3, 2026
Fair value
$51.95
Sticker Price
Payback Price
$20.78
buy price
BOTJ is Undervalued: at $27.30 it trades 47% below its fair value of $51.95. Its buy price (Payback Price) is $20.78, 24% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
1 of 5 clear the 10% bar. What are the Big Five?
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Since Aug 6, 2026: 4 open-market purchases worth $35K. Why purchases matter
Purchases
About Bank of the James Financial Group, Inc.
Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual…
Banks - Regional
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works