BOTJ
Bank of the James Financial Group
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: BOTJ
- PE Ratio
The current PE ratio for Bank of the James Financial Group stock as of Jun 3, 2026 is 9.33. This is calculated based on the current EPS of $2.42 and the stock price of $22.58 per share. The P/E ratio has an increase of 5% from the past four quarters average of 8.9.
BOTJ PE ratio history
The average historical PE ratio of Bank of the James Financial Group for the last ten years is 11.2. The current PE ratio of 9.33 is 17% below the historical average. In the past ten years, BOTJ's PE ratio was at its highest in the Jun 2017 quarter at 22.67, when the stock price was $13.6 and the EPS was $0.6. The lowest value was in the Jun 2023 quarter, when it reached 4.62 with a price of $9.1 and an EPS of $1.97.
Bank of the James Financial Group PE ratio by year
Maximum annual increase: 67.33% in 2016
Maximum annual decrease: -51.73% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 9.34 | 2.98% | $18.58 | $1.99 |
| 2024 | 9.07 | 41.72% | $15.87 | $1.75 |
| 2023 | 6.4 | 2.56% | $12.22 | $1.91 |
| 2022 | 6.24 | -35.4% | $11.91 | $1.91 |
| 2021 | 9.66 | -8.78% | $15.46 | $1.6 |
| 2020 | 10.59 | -11.53% | $11.02 | $1.04 |
| 2019 | 11.97 | 11.45% | $13.88 | $1.16 |
| 2018 | 10.74 | -51.73% | $11.82 | $1.1 |
| 2017 | 22.25 | 9.71% | $13.57 | $0.61 |
| 2016 | 20.28 | 67.33% | $13.79 | $0.68 |
| 2015 | 12.12 | 19.06% | $11.76 | $0.97 |
| 2014 | 10.18 | 0.1% | $9.36 | $0.92 |
| 2013 | 10.17 | 13.89% | $8.45 | $0.83 |
| 2012 | 8.93 | N/A | $5.18 | $0.58 |
| 2011 | N/A | N/A | N/A | $0.16 |
Bank of the James Financial Group PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 8.51 | -8.89% | $20.6 | $2.42 |
| Dec 2025 | 9.34 | 5.42% | $18.58 | $1.99 |
| Sep 2025 | 8.86 | 0.23% | $15.6 | $1.76 |
| Jun 2025 | 8.84 | -12.65% | $14.06 | $1.59 |
| Mar 2025 | 10.12 | 11.58% | $14.78 | $1.46 |
| Dec 2024 | 9.07 | 22.73% | $15.87 | $1.75 |
| Sep 2024 | 7.39 | 23.37% | $13.74 | $1.86 |
| Jun 2024 | 5.99 | 13.88% | $11.26 | $1.88 |
| Mar 2024 | 5.26 | -17.81% | $10.36 | $1.97 |
| Dec 2023 | 6.4 | 14.49% | $12.22 | $1.91 |
| Sep 2023 | 5.59 | 21% | $10.5 | $1.88 |
| Jun 2023 | 4.62 | -16.91% | $9.1 | $1.97 |
| Mar 2023 | 5.56 | -10.9% | $10.51 | $1.89 |
| Dec 2022 | 6.24 | -7.69% | $11.91 | $1.91 |
| Sep 2022 | 6.76 | -10.58% | $12.64 | $1.87 |
BOTJ Price vs fair value
BOTJ average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of BOTJ is above the 3 and 5-year historical averages, but it is lower than the 10-year average.
PE comparison
With a P/E of 9.33, BOTJ stands below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 12.1, Bank of the James Financial Group's P/E is 23% lower.
BOTJ PE vs peers
BOTJ's PE ratio is lower than its peer stocks FFBC and CWBC, but it is greater than CARE's. Bank of the James Financial Group is presently trading at a lower PE ratio (9.33) than its peer group average of 11.56.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CARE Carter Bankshares Inc | 5.83 | $631.11M |
| BOTJ Bank of the James Financial Group Inc. | 9.51 | $104.59M |
| FFBC First Financial Bancorp | 10.67 | $3.2B |
| CWBC Community West Bancshares. | 11.24 | $661.53M |
| FVCB FVCBankcorp Inc | 12.32 | $288.22M |
| CZNC Citizens & Northern Corp | 19.37 | $374.73M |
| EGBN Eagle Bancorp Inc | N/A | $827.65M |
Frequently asked questions
What is Bank of the James Financial Group's PE ratio?
The price to earnings ratio for BOTJ stock is 9.33 as of Jun 3, 2026.
What is the 3-year average PE ratio for Bank of the James Financial Group (BOTJ)?
The 3-year average PE ratio for BOTJ stock is 7.5.
What is the 5-year average PE ratio for Bank of the James Financial Group (BOTJ)?
The 5-year average PE ratio for BOTJ stock is 7.75.
What is the highest PE ratio for BOTJ?
In the last ten years, the Jun 2017 quarter recorded the highest quarterly PE ratio at 22.67.
How does the current PE ratio for BOTJ compare to its historical average?
The current price to earnings ratio of BOTJ is 17% lower than the 10-year historical average.
Why is Bank of the James Financial Group's PE ratio so low?
BOTJ's PE ratio of 9.33 is considered low because the company's stock price is trading at a lower multiple of earnings.
How is BOTJ's PE ratio calculated (Bank of the James Financial Group PE ratio formula)?
To determine the PE ratio, divide the most recent stock price by the TTM earnings per share (EPS). As of today (Jun 3, 2026), Bank of the James Financial Group's stock price is $22.58. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.42. Therefore, Bank of the James Financial Group's P/E ratio for today is 9.33. PE RATIO(9.33) = STOCK PRICE($22.58) / TTM EPS($2.42)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.