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How to buy Bank of the James Financial Group stock
Learn how to easily invest in Bank of the James Financial Group stock.
Bank of the James Financial Group is a banks-regional business based in the US. Bank of the James Financial Group shares (BOTJ) are listed on the NASDAQ and all prices are listed in US Dollars. Bank of the James Financial Group employs 153 staff and has a trailing 12-month revenue of around $40.6 million.
How to buy shares in Bank of the James Financial Group
- Compare share trading platforms. Use our comparison table to help you find a platform that fits you.
- Open your brokerage account. Complete an application with your details.
- Confirm your payment details. Fund your account.
- Research the stock. Find the stock by name or ticker symbol – BOTJ – and research it before deciding if it's a good investment for you.
- Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
- Check in on your investment. Optimize your portfolio by tracking your stock.
What's in this guide?
- BOTJ shares summary
- Compare share dealing platforms
- Is BOTJ stock a buy or sell?
- Stock performance over time
- Are BOTJ shares over-valued?
- Bank of the James Financial Group's financials
- How volatile are BOTJ shares?
- Does Bank of the James Financial Group pay a dividend?
- Have BOTJ shares ever split?
- Other common questions
Bank of the James Financial Group stock price (NASDAQ: BOTJ)Use our graph to track the performance of BOTJ stocks over time.
Bank of the James Financial Group shares at a glance
|Latest market close||$12.20|
|52-week range||$11.60 - $16.56|
|50-day moving average||$12.78|
|200-day moving average||$13.98|
|Wall St. target price||N/A|
|Dividend yield||$0.28 (2.22%)|
|Earnings per share (TTM)||$1.72|
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Is it a good time to buy Bank of the James Financial Group stock?
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Bank of the James Financial Group price performance over time
|1 week (2022-09-29)||-5.72%|
|1 month (2022-09-07)||0.16%|
|3 months (2022-07-07)||-3.86%|
|6 months (2022-04-07)||-17.06%|
|1 year (2021-10-07)||-20.47%|
|2 years (2020-10-07)||19.02%|
|3 years (2019-10-07)||14.04|
|5 years (2017-10-05)||14.703|
Is Bank of the James Financial Group stock undervalued or overvalued?
Valuing Bank of the James Financial Group stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Bank of the James Financial Group's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Bank of the James Financial Group's P/E ratio
Bank of the James Financial Group's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 7x. In other words, Bank of the James Financial Group shares trade at around 7x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Bank of the James Financial Group financials
|Revenue TTM||$40.6 million|
|Operating margin TTM||27.12%|
|Gross profit TTM||$38.8 million|
|Return on assets TTM||0.88%|
|Return on equity TTM||13.46%|
|Market capitalisation||$59.5 million|
TTM: trailing 12 months
Bank of the James Financial Group share dividends
Dividend payout ratio: 16.25% of net profits
Recently Bank of the James Financial Group has paid out, on average, around 16.25% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.22% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Bank of the James Financial Group shareholders could enjoy a 2.22% return on their shares, in the form of dividend payments. In Bank of the James Financial Group's case, that would currently equate to about $0.28 per share.
While Bank of the James Financial Group's payout ratio might seem low, this can signify that Bank of the James Financial Group is investing more in its future growth.
Bank of the James Financial Group's most recent dividend payout was on 16 September 2022. The latest dividend was paid out to all shareholders who bought their shares by 1 September 2022 (the "ex-dividend date").
Have Bank of the James Financial Group's shares ever split?
Bank of the James Financial Group's shares were split on a 11:10 basis on 24 June 2021. So if you had owned 10 shares the day before before the split, the next day you'd have owned 11 shares. This wouldn't directly have changed the overall worth of your Bank of the James Financial Group shares – just the quantity. However, indirectly, the new 9.1% lower share price could have impacted the market appetite for Bank of the James Financial Group shares which in turn could have impacted Bank of the James Financial Group's share price.
Bank of the James Financial Group share price volatility
Over the last 12 months, Bank of the James Financial Group's shares have ranged in value from as little as $11.6039 up to $16.555. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Bank of the James Financial Group's is 0.8646. This would suggest that Bank of the James Financial Group's shares are less volatile than average (for this exchange).
Bank of the James Financial Group overview
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it provides other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. It operates through a network of 16 full-service offices, 2 limited-service offices, and 1 residential mortgage loan production office.
Frequently asked questionsWhat percentage of Bank of the James Financial Group is owned by insiders or institutions?
Currently 13.481% of Bank of the James Financial Group shares are held by insiders and 28.313% by institutions. How many people work for Bank of the James Financial Group?
Latest data suggests 153 work at Bank of the James Financial Group. When does the fiscal year end for Bank of the James Financial Group?
Bank of the James Financial Group's fiscal year ends in December. Where is Bank of the James Financial Group based?
Bank of the James Financial Group's address is: 828 Main Street, Lynchburg, VA, United States, 24504 What is Bank of the James Financial Group's ISIN number?
Bank of the James Financial Group's international securities identification number is: US4702991088 What is Bank of the James Financial Group's CUSIP number?
Bank of the James Financial Group's Committee on Uniform Securities Identification Procedures number is: 470299108
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