BOTJ vs. CFFI: Which Regional Bank Stock Looks More Attractive Now?
Detailed price information for Bank of The Jame Fnl (BOTJ-Q) from The Globe and Mail including charting and trades.
Model output · Signal date 2026-10-16
Bank Of The James Financial Group Inc (BOTJ) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · Nasdaq
Rating · 90D
▲ Bullish
Exact rating locked
90-day forecast
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30-day forecast
Alpha
Rank in coverage
Top 35%
of 5172 stocks scored
Rank correlation · 90D
16.0%
Spearman, 357 dates
Market Cap
$122M
small-cap · #60 of 60 peers
Summary
Bank Of The James Financial Group Inc (BOTJ) stock forecast summary
Our AI ranks Bank Of The James Financial Group Inc outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
Bank Of The James Financial Group Inc is a small-cap company with a market capitalization of $122M. It ranks number 60 by market capitalization among the 60 State Commercial Banks issuers in our coverage with a current forecast.
For BOTJ, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 16.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 21.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, BOTJ included.
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BOTJ price chart and AI forecast
Cross-section · 2026-10-16
How BOTJ ranks among 5172 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Fundamentals · 2026-06-30
Bank Of The James Financial Group Inc (BOTJ) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the State Commercial Banks peers listed below that report each metric.
Valuation & Market
| Metric | BOTJ | Rank |
|---|---|---|
| Market Cap | $122M | 60/60 |
| P/E Ratio | 12.79x | 23/59 |
| P/B Ratio | 1.47x | 16/57 |
| Dividend Yield | 1.49% | 47/51 |
| EPS | $2.10 | – |
| Book Value/Share | $18.30 | – |
| Revenue/Share | $11.27 | – |
| FCF/Share | $2.53 | – |
Profitability & Margins
| Metric | BOTJ | Rank |
|---|---|---|
| ROE | 13.8% | 9/52 |
| ROA | 1.1% | 32/50 |
| Net Margin | 22.4% | 49/53 |
| EBT Margin | 27.8% | 53/58 |
| Tax Rate | 19.4% | – |
Financial Health
| Metric | BOTJ | Rank |
|---|---|---|
| D/E Ratio | 11.52x | 10/59 |
| Financial Leverage | 12.52x | 8/55 |
Cash Flow
| Metric | BOTJ | Rank |
|---|---|---|
| Operating Cash Flow | $13M | 55/59 |
| Free Cash Flow | $12M | 42/45 |
| Capital Spending | -$1M | 1/45 |
| OCF Growth YoY | 11.9% | 33/54 |
| FCF Growth YoY | 34.4% | 13/40 |
| FCF/Sales | 22.5% | 39/44 |
| CapEx/Sales | 2.1% | 20/44 |
Operational Efficiency
| Metric | BOTJ | Rank |
|---|---|---|
| Asset Turnover | 0.05x | 5/53 |
| Fixed Assets Turnover | 2.7x | 49/55 |
Income Statement
| Metric | BOTJ | Rank |
|---|---|---|
| Total Revenue | $51M | 57/57 |
| Net Income | $11M | 53/53 |
Dividend & Shareholder Information
| Metric | BOTJ | Rank |
|---|---|---|
| Dividends Per Share | $0.40 | – |
| Payout Ratio | 19.1% | 46/51 |
| Shares Outstanding | 5M | – |
| Net Income Growth | 60.6% | 10/52 |
| EPS Growth | 11.7% | 37/57 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $25M | 2.4% of assets |
| Total Liabilities | $958M | 92.0% of assets |
Quarterly Financial Reports
BOTJ quarterly financials and insider trading
Industry Peers · State Commercial Banks
Bank Of The James Financial Group Inc (BOTJ) industry peers
Companies classified under the same SEC industry code as Bank Of The James Financial Group Inc (State Commercial Banks): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| BOTJ Bank Of The James Financial Group Inc | ▲ | $122M |
| BNS Bank Of Nova Scotia | ▼ | $113.24B |
| DB Deutsche Bank Aktiengesellschaft | ▼ | $61.98B |
| FITB Fifth Third Bancorp | ▶ | $45.68B |
| STT State Street Corp | ▶ | $45.52B |
| BBD Bank Bradesco | ▶ | $41.97B |
| MTB M&T Bank Corp | ▶ | $31.09B |
| NTRS Northern Trust Corp | ▲ | $30.29B |
| CFG Citizens Financial Group Inc/Ri | ▲ | $26.69B |
| FCNCA First Citizens Bancshares Inc /De/ | ▶ | $23.98B |
| EWBC East West Bancorp Inc | ▼ | $17.38B |
| ALLY Ally Financial Inc. | ▶ | $11.46B |
| BPOP Popular, Inc. | ▼ | $10.13B |
| SSB Southstate Bank Corp | ▼ | $9.90B |
| WTFC Wintrust Financial Corp | ▶ | $9.72B |
| PB Prosperity Bancshares Inc | ▶ | $8.15B |
| WAL Western Alliance Bancorporation | ▶ | $8.13B |
| COLB Columbia Banking System, Inc. | ▶ | $8.05B |
| CBSH Commerce Bancshares Inc /Mo/ | ▼ | $7.99B |
| UBSI United Bankshares Inc/Wv | ▶ | $6.36B |
| HWC Hancock Whitney Corp | ▶ | $5.86B |
| HOMB Home Bancshares Inc | ▶ | $5.84B |
| GBCI Glacier Bancorp, Inc. | ▶ | $5.71B |
| ASB Associated Banc-Corp | ▶ | $5.47B |
| AUB Atlantic Union Bankshares Corp | ▼ | $5.44B |
| ABCB Ameris Bancorp | ▶ | $5.35B |
| FFIN First Financial Bankshares Inc | ▶ | $4.37B |
| SFBS Servisfirst Bancshares, Inc. | ▲ | $4.30B |
| IBOC International Bancshares Corp | ▶ | $4.19B |
| FBP First Bancorp /Pr/ | ▶ | $4.18B |
| UCB United Community Banks Inc | ▶ | $4.11B |
| CATY Cathay General Bancorp | ▶ | $4.00B |
| TCBI Texas Capital Bancshares Inc/Tx | ▶ | $3.96B |
| CVBF Cvb Financial Corp | ▶ | $3.85B |
| INDB Independent Bank Corp | ▶ | $3.78B |
| RNST Renasant Corp | ▶ | $3.65B |
| FIBK First Interstate Bancsystem Inc | ▶ | $3.32B |
| MCHB Mechanics Bancorp | ▶ | $3.18B |
| SBCF Seacoast Banking Corp Of Florida | ▶ | $3.15B |
| FHB First Hawaiian, Inc. | ▶ | $3.04B |
| BOH Bank Of Hawaii Corp | ▶ | $2.65B |
| FBK Fb Financial Corp | ▶ | $2.58B |
| CUBI Customers Bancorp, Inc. | ▶ | $2.53B |
| FBNC First Bancorp /Nc/ | ▶ | $2.50B |
| BUSE First Busey Corp /Nv/ | ▶ | $2.43B |
| SYBT Stock Yards Bancorp, Inc. | ▶ | $2.38B |
| BANR Banner Corp | ▶ | $2.30B |
| MBIN Merchants Bancorp | ▶ | $2.24B |
| OFG Ofg Bancorp | ▼ | $2.22B |
| EFSC Enterprise Financial Services Corp | ▶ | $2.17B |
| HTH Hilltop Holdings Inc. | ▶ | $2.11B |
| SRCE 1st Source Corp | ▼ | $2.07B |
| GABC German American Bancorp, Inc. | ▶ | $1.88B |
| RBCAA Republic Bancorp Inc /Ky/ | ▶ | $1.83B |
| STBA S&T Bancorp Inc | ▶ | $1.72B |
| BY Byline Bancorp, Inc. | ▶ | $1.68B |
| TCBK Trico Bancshares / | ▶ | $1.66B |
| CNOB Connectone Bancorp, Inc. | ▶ | $1.65B |
| QCRH Qcr Holdings Inc | ▶ | $1.62B |
| LOB Live Oak Bancshares, Inc. | ▲ | $1.62B |
Where BOTJ sits on the market map
Finance · State Commercial Banks
News
Bank Of The James Financial Group Inc (BOTJ) stock news
Bank of the James Q1 Earnings Surge Y/Y on Strong Income Growth
Shares of Bank of the James Financial Group, Inc. (BOTJ) have gained 2.6% since reporting results for the first quarter of 2026, slightly outperforming the S&P 500 index's 2% return. Over the past ...
Bank of the James Financial Group Inc.
About Bank of the James Financial Group Inc. Bank of the James Financial Group, Inc. is a bank holding company, which engages in the provision of general retail and commercial banking services. It ...
FAQ
Bank Of The James Financial Group Inc (BOTJ) stock forecast FAQ
What is the Bank Of The James Financial Group Inc (BOTJ) stock forecast?
Our AI ranks Bank Of The James Financial Group Inc outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
How accurate are Bank Of The James Financial Group Inc stock predictions?
For BOTJ, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 16.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 21.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Bank Of The James Financial Group Inc forecasts updated?
Bank Of The James Financial Group Inc forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.
Which companies are Bank Of The James Financial Group Inc's industry peers?
60 issuers in our coverage, BOTJ included, share the SEC industry code State Commercial Banks. The largest are: Bank Of Nova Scotia (BNS), Deutsche Bank Aktiengesellschaft (DB), Fifth Third Bancorp (FITB), State Street Corp (STT), Bank Bradesco (BBD), M&T Bank Corp (MTB).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.