profit from every $100 of sales.
$0$100
Bank of the James Financial Group
$24.77-2.44% today
+47.7% in 1 year
1-year low $16.701-year high $30.01
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.47 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Bank of the James Financial Group sold, what it kept, and what it did with the cash.
Sales went from $42.0 million in 2022 to $47.8 million in 2025, with $9.02 million of profit last year.
SalesProfit
Bank of the James Financial Group handed back 17% of the cash it generated last year.
$2M
Free cash flow 2025$10M
Bought back its own shares–
Paid as dividends$2M
Cash vs. debt$29M vs. $9M
Bank of the James Financial Group vs. similar companies
Bank of the James Financial Group grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Bank of the James Financial Group | 12.5× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Bank of the James Financial Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 42 | 42 | 44 | 48 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 9 | 9 | 8 | 9 | |
| 1.91 | 1.91 | 1.75 | 1.99 | |
| – | – | – | – | |
| – | – | – | – | |
| 21.3% | 20.8% | 18.2% | 18.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 929 | 969 | 979 | 1,039 |
| Cash | 30 | 26 | 23 | 29 |
| Total debt | 20 | 20 | 19 | 9 |
| Total liabilities | 878 | 909 | 914 | 959 |
| 50 | 60 | 65 | 80 | |
| 5 | 5 | 5 | 5 | |
| – | – | – | – | |
| 17.8% | 14.5% | 12.2% | 11.3% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 9 | 9 | 9 | 12 | |
| 1 | 2 | 3 | 1 | |
| 8 | 8 | 6 | 10 | |
| Dividends paid | 1 | 1 | 2 | 2 |
| 1 | 1 | 0 | – | |
| 0 | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.5×
- –
- 9.06
- 1.3×
- 2.4×
- 8.0%
- 1.7%
Profitability
- 18.9%
- 2.6%
- 10.3%
- 14.1%
- 1.0%
Growth
- +4.4%
- +1.4%
- +9.5%
- −1.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 41%of 827
Bottom 33%of 709
Top 41%of 876
Bottom 35%of 879
Top 30%of 926
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 30, 2026 | 0.61 | – | – |
| Feb 4, 2026 | 0.60 | – | – |
| Oct 30, 2025 | 0.61 | – | – |
| Aug 4, 2025 | 0.60 | – | – |
| Apr 30, 2025 | 0.19 | – | – |
| Jan 31, 2025 | 0.36 | – | – |
| Oct 25, 2024 | 0.44 | – | – |
| Jul 26, 2024 | 0.47 | – | – |
1.7%of the share price, paid each year
On $1,000 invested$17a year at today's yield, before tax
+9.5%2020 to 2025
Raised–not every year
Paid per share, each year
$0.20 in 2015 → $0.40 in 2025
How safe it looks
20.1% of its profit
Room to growStretchedMore than it earns: 17.3%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
66Pass
Benjamin Graham
71Pass
Philip Fisher
62Pass
Peter Lynch
23No pass
Joel Greenblatt
18No pass
Charlie Munger
60Pass
Terry Smith
53No pass
Questions about Bank of the James Financial Group
Is Bank of the James Financial Group a good stock to buy?
A solid business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Bank of the James Financial Group AI analysis
What does Bank of the James Financial Group do?
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 Unites States. It is in Banks - Regional.
Does Bank of the James Financial Group pay a dividend?
Yes. At today's price the dividend is 1.7% a year, about 20% of its yearly profit. In 2025 it paid out $1.82 million in dividends.
Is Bank of the James Financial Group stock halal?
No. Bank of the James Financial Group does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Bank of the James Financial Group stock done over the past year?
Up 47.7% over the past twelve months, to $24.77. It traded between $16.70 and $30.01 and is 17.5% below its high.
Who are Bank of the James Financial Group's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Bank of the James Financial Group's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.