Bank of the James Financial Group, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Bank of the James Financial Group, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
$1Sales grew 14% in 3 years; of every extra $100 of sales, $1 became extra profit.
Lower than 75% of Financial Services companies in United States.
Asset Productivity Ratio
+14% / +12%In 3 years sales changed by +14% while total assets changed by +12%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 75% of Financial Services companies in United States.
Tangible Net Worth Ratio
90%Of every $100 of net worth, $90 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 63% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Bank of the James Financial Group, Inc. owes $0.92 for every $1 it owns. Net profit rose 14% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.4Investors pay $11.4 for every $1 of Bank of the James Financial Group, Inc.'s yearly profit, lower than 66% of Financial Services companies in United States.
P/B ratio
1.58The share price is 1.58 times Bank of the James Financial Group, Inc.'s book value per share, higher than 71% of Financial Services companies in United States.
Market cap
$131 MThe total market value of all of Bank of the James Financial Group, Inc.'s shares at today's price (share price × number of shares), smaller than 88% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$83 MWhat Bank of the James Financial Group, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$18.30Net worth divided by the number of shares. The share price of $28.89 is 1.6 times this, which is the P/B above.
Return on equity (ROE)
14.8%Bank of the James Financial Group, Inc. earned 14.8% on its shareholders' money over the last year, higher than 75% of Financial Services companies in United States.
Owes vs Owns
0.92×Bank of the James Financial Group, Inc. owes $0.92 for every $1 it owns (high), higher than 91% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.44%Bank of the James Financial Group, Inc. pays 1.44% of its share price as dividends a year, lower than 81% of dividend-paying Financial Services companies in United States.
Revenue growth
+10%Revenue rose 10% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
+14%Net profit rose 14% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Profit margin
18.9%Bank of the James Financial Group, Inc. keeps $19 of every $100 of revenue as net profit.
Questions
What is Bank of the James Financial Group, Inc.'s P/E ratio?
Investors pay $11.4 for every $1 of Bank of the James Financial Group, Inc.'s yearly profit, lower than 66% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Bank of the James Financial Group, Inc.: $131 M ÷ $83 M (30 Jun 2026) = 1.6.
What is Bank of the James Financial Group, Inc.'s return on equity?
Bank of the James Financial Group, Inc. earned 14.8% on its shareholders' money over the last year, higher than 75% of Financial Services companies in United States.
How much does Bank of the James Financial Group, Inc. owe compared with what it owns?
Bank of the James Financial Group, Inc. owes $0.92 for every $1 it owns (high), higher than 91% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Bank of the James Financial Group, Inc. pay a dividend?
Yes. Bank of the James Financial Group, Inc. pays 1.44% of its share price as dividends a year, lower than 81% of dividend-paying Financial Services companies in United States.
Is Bank of the James Financial Group, Inc.'s revenue growing?
Revenue rose 10% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.