(BOTJ) Bank of the James Financial - Ratings and Ratios

Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) is a bank holding company for Bank of the James, providing a comprehensive suite of retail and commercial banking services across Virginia. Established in 1999 and headquartered in Lynchburg, Virginia, the bank is deeply rooted in its community, offering personalized financial solutions tailored to individuals, businesses, and governmental entities. Its product range includes checking, savings, individual retirement, and health care savings accounts, alongside time deposits such as money market accounts and CDs. The bank also specializes in loans for small and medium-sized businesses, covering equipment purchases, facility upgrades, and working capital, as well as construction, real estate, and consumer loans. Additional services encompass treasury management, credit card merchant services, safe deposit boxes, and insurance agency services. BOTJ also provides investment advisory, brokerage services, and online banking solutions.

As a regional bank, BOTJ focuses on community engagement and local economic development. It maintains a strong presence in Virginia, offering tailored financial solutions that address the specific needs of its clientele. The banks approach emphasizes personalized service and long-term relationships, contributing to its reputation as a reliable financial partner in the communities it serves.

Looking ahead, the technical data suggests that BOTJs stock may experience moderate volatility. The SMA 20 and SMA 200 are closely aligned, indicating potential stability, while the SMA 50 is slightly higher, suggesting short-term strength. The ATR of 0.56 points to moderate price fluctuations. Fundamentally, BOTJs P/E ratio of 7.48 and P/B ratio of 0.92 indicate undervaluation, with an RoE of 12.25% signaling efficient operations. Over the next three months, BOTJ is expected to maintain its stable performance, with potential upside driven by its strong financial position and community-focused strategy.