Bank of the James Financial Group, Inc.

As of June 30, 2026, Bank of the James Financial Group, Inc. carries a market capitalization of 115.95M, placing it among publicly traded companies globally. Its enterprise value stands at 84.21M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

As of June 30, 2026, Bank of the James Financial Group, Inc. has 4.54M shares outstanding.

As of June 30, 2026, Bank of the James Financial Group, Inc. trades at a trailing price-to-earnings ratio of 10.09. The price-to-sales ratio is 2.28, and the price-to-book ratio stands at 1.39.

These figures are as of June 30, 2026. The EV/Sales ratio of 1.66 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Bank of the James Financial Group, Inc. trades at an EV/FCF ratio of 7.31, comparing the total takeover cost of the business to the cash it actually generates for all capital providers. These enterprise value multiples are built on an enterprise value of 84.21M versus a market cap of 115.95M, with the gap driven by net debt and cash on the balance sheet.

These figures are as of June 30, 2026.

Over the twelve months ended June 30, 2026, Bank of the James Financial Group, Inc. posted a return on equity (ROE) of 14.84, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 1.12, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 13.32, useful for judging operating efficiency across full business cycles. The company generates approximately 290,605.71 in revenue per employee across its workforce of 175.00, a quick read on workforce productivity versus industry peers.

Over the twelve months ended June 30, 2026, Bank of the James Financial Group, Inc. recorded 2.77M in income tax expense. That works out to an effective tax rate of 19.40, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 14.26M, leaving 11.49M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

As of the close on October 22, 2026, Bank of the James Financial Group, Inc.'s stock has gained approximately 82.93% over the past 52 weeks. The 50-day moving average sits at 27.23, while the 200-day moving average is 23.75.

Over the twelve months ended June 30, 2026, Bank of the James Financial Group, Inc. generated 50.86M in revenue and converted that into 11.49M in net income, yielding earnings per share of 2.53.

As of June 30, 2026, Bank of the James Financial Group, Inc. holds 40.40M in cash and equivalents against 8.67M in total debt, resulting in a net debt position of -16.00M.

Bank of the James Financial Group, Inc. produced 12.62M in operating cash flow over the twelve months ended June 30, 2026. After subtracting -1.10M in capital expenditures, free cash flow totaled 11.52M - equivalent to 2.53 per share.

These figures cover the twelve months ended June 30, 2026.

Over the twelve months ended June 30, 2026, Bank of the James Financial Group, Inc. paid dividends of 0.40 per share. The dividend payout ratio of 15.81 indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield stands at 9.93, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield is negative at -19.03, meaning Bank of the James Financial Group, Inc. raised more capital through share issuance and new debt than it returned via dividends and buybacks.

Bank of the James Financial Group, Inc.'s most recent stock split took place on June 24, 2021 with a 10:11 split ratio.