Bank of the James Financial Group Inc (BOTJ)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$27.60+0.40%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BOTJ
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -0.1% |
| Our one-year growth estimate | diamond | 7.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of —
BOTJ — dividend update
Dated 2026-07-30
Other Events On July 28, 2026, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about September 4, 2026 to stockholders of record at the close of business on August 21, 2026.
Why it matters: Growing total assets show the bank is expanding and strong.
Supportive ifTotal assets exceed $1.06 billion in Q2 2026.
Worry ifTotal assets fall below $1.06 billion in Q2 2026.
Why it matters: Keeping the dividend shows good money management. It also shows care for shareholders.
Supportive ifThe board declares a quarterly dividend of $0.10 per share.
Worry ifThe board reduces the quarterly dividend below $0.10 per share.
Why it matters: This report will provide key updates on financial performance and growth. It can impact investor sentiment.
Watch forEarnings report shows better results than expected. This shows the company is growing.
Also watch forEarnings report shows worse results than expected. This may point to problems.
Why it matters: A lower efficiency ratio shows better cost control. It also means smoother operations.
Supportive ifEfficiency ratio drops below 70% in Q3.
Worry ifEfficiency ratio stays above 75% in Q3.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$52 on $10,000 · ±0.5% | How much price usually moves either way. |
| Bad day | $225 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $882 loss on $10,000 · 8.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: More bad loans could mean lower asset quality and problems with risk management.
Worry ifNonperforming loans are over $1.09 million. This shows concerns about asset quality.
Less concerning ifNonperforming loans are under $1.09 million. This confirms good asset quality.
Why it matters: Steady operating income shows good financial health. A drop may mean problems.
Supportive ifOperating income for Q2 is higher than $3.48 million reported in Q1.
Worry ifOperating income for Q2 is lower than $3.48 million reported in Q1.
Why it matters: Stable net income growth shows the bank is healthy and well-managed.
Supportive ifQ2 2026 net income exceeds $2.77 million from Q1 2026.
Worry ifQ2 2026 net income falls below $2.77 million.
Why it matters: A lower efficiency ratio means better cost control.
Supportive ifEfficiency ratio below 67.82% shows good cost control.
Worry ifEfficiency ratio worsens above 67.82%. This means costs are rising.
Why it matters: Growth in noninterest income shows a mix of revenue sources.
Supportive ifNoninterest income growth exceeds 10% year over year in Q3.
Worry ifNoninterest income growth falls below 10% year over year in Q3.
Why it matters: A steady dividend shows the bank is in good shape. It cares about its shareholders.
Supportive ifThe board declares a dividend of $0.10 per share again.
Worry ifNo dividend is declared or the amount is reduced.
Why it matters: Going over this amount shows strong performance and a focus on growth.
Supportive ifQ3 net income reported above $3.24 million, showing ongoing growth.
Worry ifQ3 net income is under $3.24 million. This may mean a slowdown.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector.
Worry ifRevenue growth for the company drops below the median of 15 percent.
Less concerning ifRevenue growth remains above the median of 15 percent.
Why it matters: This payment shows the company is committed to giving back to shareholders.
Supportive ifThe dividend is paid as scheduled on September 4, 2026.
Worry ifThe dividend payment is late or canceled. This raises concerns about managing money.
Why it matters: Steady operating income shows good financial health. A drop may mean problems.
Supportive ifOperating income for the next quarter is at least $3.48 million or higher.
Worry ifOperating income falls below $3.40 million in the next quarter.