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BOTJ
$22.93-0.03 (-0.13%)
Market ClosedLast close May 1
Bank of the James Financial Group, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Bank of the James Financial Group, Inc. in the Financial Services sector is trading at $22.93. The stock is currently near its 52-week high of $23.50, remaining 29.3% above its 200-day moving average. Technical signals show overbought RSI of 75 and bearish MACD signal, explaining why BOTJ maintains its current momentum and trend strength. The Whystock Score of 65/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Overbought levels (RSI 75) — risk of consolidation or pullback
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$22.93
Potential Upside
68.5%
Whystock Fair Value$38.64
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
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 i...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$106.18M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
11.74
Beta
Defensive asset. Lower volatility than the S&P 500.
0.12
Div Yield
Strong income play. Yield provides a meaningful total return floor.
172.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
8.94%
Volume
Today's trading volume
848
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