Stock fact sheet · data as of
Bank of the James Financial Group, Inc. (BOTJ): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is BOTJ undervalued?
Bank of the James Financial Group, Inc. (BOTJ) closed at 26.99 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 33.57, so the price sits 20% below it. 6 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
There is a wide gap between Lynch (3.44) and Payback Time (73.33). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files BOTJ under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for BOTJ
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 25.91 | -4% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 32.27 | +20% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 27.74 | +3% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 3.44 | -87% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 38.13 | +41% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 67.36 | +150% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 73.33 | +172% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.89 | -78% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 28.10 | +4% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -191.74 | -810% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Bank of the James Financial Group, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability BOTJ scores 6.2/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 10.2%, ROE 11.3%, ROA 0.9% - with debt at 0.11 times equity and a free-cash-flow yield of 10.4%.
The dividend yield is 1.48% with a payout ratio of 16% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Community Banking 64%, Holding Company 19%, Mortgage 9% (quarter Q2 FY2026).
Institutional ownership scores 4/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 10.2% |
|---|---|---|---|
| GLS Moat | 6.2 / 10 | ROE | 11.3% |
| Debt / equity | 0.11 | ROA | 0.9% |
| Free-cash-flow yield | 10.4% | Payout ratio | 16% |
| Institutions | 4 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Bank of the James Financial Group, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 33k shares a day on a market cap of $123M, with a beta of 0.19 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 21 / 25 | 20% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 9 / 15 | moat 6.2/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 33k shares/day, $123M cap, beta 0.19 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for BOTJ in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Bank of the James Financial Group, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CWBK CW Bancorp | 41.74 | 110.97 | +62% | 39No options | $122M |
| JFBC Jeffersonville Bancorp | 28.62 | 54.99 | +48% | 39No options | $121M |
| KTHN Katahdin Bankshares Corp. | 38.00 | 48.84 | +22% | 39No options | $121M |
| BBNA Bonvenu Bancorp, Inc. | 18.50 | 20.40 | +9% | 39No options | $121M |
| CMHF Community Heritage Financial, Inc. | 40.74 | 37.65 | -8% | 31No options | $120M |
| RVSB Riverview Bancorp, Inc. | 6.01 | 6.83 | +12% | 45Weak | $120M |
| HYNE Hoyne Bancorp, Inc. Common Stock | 16.80 | 0.8980 | -1771% | 24No options | $125M |
| MPCB Mountain Pacific Bancorp Inc | 17.13 | 54.80 | +69% | 39No options | $120M |
| CNBP Cornerstone Bancorp Inc. | 120.00 | 136.75 | +12% | 39No options | $118M |
| NMBF Nmb Financial Corp | 22.05 | 34.86 | +37% | 38No options | $118M |
| MGYR Magyar Bancorp, Inc. | 19.89 | 34.82 | +43% | 39No options | $128M |
| BORT Bank of Botetourt | 59.24 | 107.04 | +45% | 39No options | $117M |
⚖ Compare BOTJ with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BOTJ
Is BOTJ undervalued right now?
By the GLS models, moderately: at 26.99 the stock trades 20% below the average fair value of 33.57 (data as of 16 Oct 2026).
What is the Wheel Score of BOTJ and what does it mean?
BOTJ has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BOTJ?
33.57 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Bank of the James Financial Group, Inc. report earnings next?
No upcoming earnings date is recorded for BOTJ in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does BOTJ have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BOTJ, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.