Bank of the James Financial Group Inc (BOTJ)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$23.96-1.24%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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 | -15.5% |
| 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 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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 22.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
BOTJ — dividend update
Dated 2026-10-30
Other Events On October 27, 2026, the Board of Directors of the Company declared a quarterly cash dividend of $0.15 per share of common stock. The dividend will be paid on or about December 4, 2026 to stockholders of record at the close of business on November 20, 2026.
Why it matters: Both loan and deposit balances reached new highs in Q3. Continued growth would support management's focus on customer ties.
Supportive ifIn the next results, net loans exceed $694.03 million and deposits exceed $963.60 million, the September 30, 2026 levels.
Worry ifIn the next results, net loans fall below $694.03 million or deposits fall below $963.60 million.
Why it matters: Nonperforming loans fell to $548,000, mainly after some loans returned to accrual status. A rise would test that improvement.
Worry ifThe next report shows nonperforming loans above $548,000, the September 30, 2026 level.
Less concerning ifThe next report shows nonperforming loans at or below $548,000.
Why it matters: The board raised the quarterly payment 50%, from $0.10 to $0.15. The payment tests whether the new rate is carried out.
Supportive ifBOTJ pays $0.15 per share on or about December 4, 2026, to holders of record on November 20.
Worry ifBOTJ delays, cuts, or cancels the $0.15 payment due on or about December 4, 2026.
Why it matters: Nine-month expenses were nearly flat, while the efficiency ratio improved. But Q3 expenses rose 5.85% year over year.
Worry ifQ4 noninterest expense is over $9.70 million, its Q3 2026 level. The efficiency ratio is over 69.76%.
Less concerning ifQ4 noninterest expense is $9.70 million or less. The efficiency ratio is 69.76% or less.
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.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$63 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $214 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,113 loss on $10,000 · 21.1% | 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.