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Upturn AI SWOT - About
BOTJ 
Bank of the James Financial Group (BOTJ)
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Upturn Advisory Summary
04/01/2025: BOTJ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 5.38% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 67.15M USD | Price to earnings Ratio 8.45 | 1Y Target Price - |
Price to earnings Ratio 8.45 | 1Y Target Price - | ||
Volume (30-day avg) 6236 | Beta 0.78 | 52 Weeks Range 9.35 - 16.92 | Updated Date 04/1/2025 |
52 Weeks Range 9.35 - 16.92 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.67% | Basic EPS (TTM) 1.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.64% | Operating Margin (TTM) 20.06% |
Management Effectiveness
Return on Assets (TTM) 0.82% | Return on Equity (TTM) 12.72% |
Valuation
Trailing PE 8.45 | Forward PE - | Enterprise Value 17075536 | Price to Sales(TTM) 1.49 |
Enterprise Value 17075536 | Price to Sales(TTM) 1.49 | ||
Enterprise Value to Revenue 1.99 | Enterprise Value to EBITDA - | Shares Outstanding 4543340 | Shares Floating 3841438 |
Shares Outstanding 4543340 | Shares Floating 3841438 | ||
Percent Insiders 15.38 | Percent Institutions 23.19 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bank of the James Financial Group
Company Overview
History and Background
Bank of the James Financial Group was founded in 1999 in Lynchburg, Virginia. It has grown through organic expansion and strategic acquisitions to become a leading community bank in its region. The bank focuses on providing personalized banking services to individuals and businesses.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and treasury management services.
- Retail Banking: Provides deposit accounts, personal loans, mortgages, and other consumer banking products to individuals and families.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and businesses.
Leadership and Structure
The company is led by a board of directors and an executive management team. Robert R. Chapman, III is the current Chief Executive Officer. The organizational structure is typical of a community bank, with departments for lending, operations, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available at the granular level for specific loan types within the bank's footprint. Competitors include other regional and national banks such as Truist Financial and Wells Fargo. Revenue contribution is significant, representing a substantial portion of the bank's loan portfolio.
- Small Business Loans: Loans to small businesses. Competitors include other local and regional banks, as well as online lenders. Data regarding revenue from product and market share is not publicly available.
- Mortgages: Residential mortgage loans offered to individuals. Market share data is not publicly available at the granular level for specific locations. Competitors include national mortgage lenders such as Rocket Mortgage and local credit unions. Data regarding revenue from product is not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological disruption. Community banks are facing challenges from larger institutions and fintech companies, but also benefit from strong local relationships.
Positioning
Bank of the James Financial Group positions itself as a relationship-focused community bank providing personalized service and local expertise. Its competitive advantages include its deep understanding of the local market, responsiveness to customer needs, and commitment to community involvement.
Total Addressable Market (TAM)
Estimating the TAM requires detailed market data not publicly available. BOJ is positioned to capture share within its geographic footprint by leveraging local relationships and customer service.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Commitment to community involvement
- Sound asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Potential technology limitations
- Reliance on local economy
Opportunities
- Expansion into adjacent markets
- Increased technology adoption
- Growth in wealth management services
- Strategic acquisitions
- Capitalizing on local economic growth
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- STL
- TCBI
- FFWM
Competitive Landscape
Bank of the James faces intense competition from larger regional and national banks, as well as smaller community banks. To compete successfully, the bank must leverage its local expertise, customer service, and community involvement.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires analysis of revenue, assets, and profitability over the past several years.
Future Projections: Future projections require access to analyst estimates, which are not publicly available without a subscription.
Recent Initiatives: Requires a search of recent press releases and company announcements to highlight strategic initiatives.
Summary
Bank of the James Financial Group is a community bank with strengths in local market knowledge and customer service. However, it faces challenges from larger competitors and economic uncertainty. The bank's success hinges on its ability to adapt to technological changes, expand its geographic footprint, and maintain strong asset quality. Opportunities exist in wealth management and strategic acquisitions, but threats include increased competition and rising interest rates.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where available)
- Industry Reports
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated based on available information and may not be precise. Financial metrics and future projections are based on limited data and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank of the James Financial Group
Exchange NASDAQ | Headquaters Lynchburg, VA, United States | ||
IPO Launch date 2000-08-10 | President, CEO & Director Mr. Robert R. Chapman III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 162 | Website https://www.bankofthejames.bank |
Full time employees 162 | Website https://www.bankofthejames.bank | ||
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 in Virginia, the United States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also provides loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it offers other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company provides mortgage banking; investment advisory services; securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. The company was founded in 1999 and is headquartered in Lynchburg, Virginia.
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