XNAS
BOTJ
Market cap123mUSD
Oct 08, Last price
27.16USD
1D
0.28%
1Q
6.47%
Jan 2017
96.94%
IPO
348.14%
Name
Bank of the James
Chart & performance
Notes
No notes on this company yet
Write a private note on this company, for your eyes only
Profile
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 retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.
Key people
Thomas Pettyjohn
Non-Executive Independent Chairman of the Board · since 2009
Michael Syrek
President of the Bank · since 2021
Eric Sorenson
Chief Financial Officer · since 2026
J. Todd Scruggs
Chief Investment Officer · since 2026
John Alford
Director · since 2013
William Bryant
Director · since 2012
Robert Chapman
President of Financial, Chief Executive Officer of the Bank, Director · since 2021
Lewis Addison
Independent Director · since 2006
A. Douglas Dalton
Independent Director · since 2016
James Daly
Independent Director · since 2007
Julie Doyle
Independent Director · since 2011
Watt Foster
Independent Director · since 2005
Phillip Jamerson
Independent Director · since 2016
Lydia Langley
Independent Director · since 2015
Augustus Petticolas
Independent Director · since 2005
Legal address
615 Church Street
Lynchburg, VA 24504
US
Lynchburg, VA 24504
US
Headquarters
828 Main Street
Lynchburg, VA 24504
US
Lynchburg, VA 24504
US
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025‑12 | 2024‑12 | 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | |
| Income | ||||||||||
Revenues | ||||||||||
Cost of revenue | ||||||||||
Unusual Expense (Income) | ||||||||||
NOPBT | ||||||||||
NOPBT Margin | ||||||||||
Operating Taxes | ||||||||||
Tax Rate | ||||||||||
NOPAT | ||||||||||
Net income | ||||||||||
Dividends | ||||||||||
Dividend yield | ||||||||||
Proceeds from repurchase of equity | ||||||||||
BB yield | ||||||||||
| Debt | ||||||||||
Debt current | ||||||||||
Long-term debt | ||||||||||
Deferred revenue | ||||||||||
Other long-term liabilities | ||||||||||
Net debt | ||||||||||
| Cash flow | ||||||||||
Cash from operating activities | ||||||||||
CAPEX | ||||||||||
Cash from investing activities | ||||||||||
Cash from financing activities | ||||||||||
FCF | ||||||||||
| Balance | ||||||||||
Cash | ||||||||||
Long term investments | ||||||||||
Excess cash | ||||||||||
Stockholders' equity | ||||||||||
Invested Capital | ||||||||||
ROIC | ||||||||||
ROCE | ||||||||||
| EV | ||||||||||
Common stock shares outstanding | ||||||||||
Price | ||||||||||
Market cap | ||||||||||
EV | ||||||||||
EBITDA | ||||||||||
EV/EBITDA | ||||||||||
Interest | ||||||||||
Interest/NOPBT | ||||||||||