BOTJ (Bank of the James Financial Group) Net Loan: $652.01 Mil (As of Mar. 2026)

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BOTJ Bank of the James Financial Group Inc BOTJ
58 GF Score
Price $26.97
GF Value $15.89
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Bank of the James Financial Group Net Loan?

Bank of the James Financial Group BOTJ -0.70% 58 Net Loan is $652.01 Mil as of Mar. 2026. GuruFocus rates BOTJ with a GF Score™ of 58/100 and a GF Value™ of $15.89 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Bank of the James Financial Group's quarterly net loan increased from Sep. 2025 ($657.05 Mil) to Dec. 2025 ($664.83 Mil) but then declined from Dec. 2025 ($664.83 Mil) to Mar. 2026 ($652.01 Mil).

Bank of the James Financial Group's annual net loan increased from Dec. 2023 ($603.18 Mil) to Dec. 2024 ($664.83 Mil) and increased from Dec. 2024 ($664.83 Mil) to Dec. 2025 ($652.01 Mil).

Bank of the James Financial Group Net Loan Historical Data

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The historical data trend for Bank of the James Financial Group's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank of the James Financial Group Net Loan Chart

Bank of the James Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 578.10 607.79 603.18 640.17 664.83

Bank of the James Financial Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 653.32 657.05 664.83 652.01 691.74
BOTJ
58GF Score
Bank of the James Financial Group Inc BOTJ
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of the James Financial Group Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $652.01 Mil mean?
Bank of the James Financial Group (BOTJ) has a Net Loan of $652.01 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Bank of the James Financial Group and its competitors.
Is Bank of the James Financial Group's Net Loan too high?
Bank of the James Financial Group's current Net Loan is $652.01 Mil. Overall, Bank of the James Financial Group has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of the James Financial Group's Net Loan compare to FMBN and CMHF?
Bank of the James Financial Group's Net Loan of $652.01 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Bank of the James Financial Group and its competitors. Bank of the James Financial Group's current Net Loan is $652.01 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of the James Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Bank of the James Financial Group (BOTJ) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.89, compared to a current price of $26.97 — trading 69.7% above its estimated fair value. The current Net Loan is $652.01 Mil. Bank of the James Financial Group's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current Net Loan is $652.01 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank of the James Financial Group (BOTJ) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of the James Financial Group stock appears to be overvalued. The current stock price of $26.97 is trading 69.7% above its estimated GF Value™ of $15.89. GuruFocus considers Bank of the James Financial Group to be Significantly Overvalued.

Key valuation signals for BOTJ:

  • Net Loan: $652.01 Mil
  • GF Value™: $15.89 vs. price of $26.97 (69.7% above fair value)
  • GF Score™: 58/100 with 5 warning signs

No single metric tells the full story. See the BOTJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of the James Financial Group Business Description

Address 828 Main Street, Lynchburg, VA, USA, 24504
Bank of the James Financial Group Inc is a bank holding company that provides retail and commercial banking, deposit services, lending services, mortgage brokerage services, and other banking services. The company provides a range of deposit services including checking accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. It offers various types of secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. It operates three business segments community banking; mortgage banking, and investment advisory services.
58GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.97
Price
$15.89
GF Value