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BOTJ'
s EV-to-FCF Range Over the Past 10 Years
Min: -159.82 Med: 7.6 Max: 282.63
Current: 9.56
During the past 13 years, the highest EV-to-FCF of Bank of the James Financial Group was 282.63. The lowest was -159.82. And the median was 7.60.
BOTJ's EV-to-FCF is ranked worse than 58.71% of 1182
companies
in the Banks industry
Industry Median: 7.2
vs BOTJ: 9.56
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank of the James Financial Group (NAS:BOTJ) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank of the James Financial Group's PE Ratio (TTM) for today is calculated as:
Bank of the James Financial Group's share price for today is $27.74.
Bank of the James Financial Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.530.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bank of the James Financial Group EV-to-FCF Related Terms
Bank of the James Financial Group EV-to-FCF Historical Data
* 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.
For the Banks - Regional subindustry, Bank of the James Financial Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of the James Financial Group EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the James Financial Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Bank of the James Financial Group's EV-to-FCF falls into.
Bank of the James Financial Group's current Enterprise Value is $110.03 Mil.
Bank of the James Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $11.52 Mil.
* 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 (BOTJ) has a EV-to-FCF of 9.56 as of Aug. 18, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of the James Financial Group and its competitors. This is 26% above median its historical median of 7.60. According to the industry distribution chart, Bank of the James Financial Group ranks #694 out of 1182 companies in the Banks industry, placing it in the top 58.7%.
Is Bank of the James Financial Group's EV-to-FCF too high?
Bank of the James Financial Group's current EV-to-FCF of 9.56 is 26% above median its 10-year median of 7.60. The Banks industry median EV-to-FCF is 7.20. Bank of the James Financial Group's value of 9.56 is 32.8% above this industry median. Based on the distribution chart, Bank of the James Financial Group ranks #694 out of 1182 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to FMBN and CMHF?
According to the Banks industry distribution chart, Bank of the James Financial Group ranks #694 out of 1182 companies for EV-to-FCF. This places Bank of the James Financial Group in the lower half of its industry. The industry median EV-to-FCF is 7.20. Bank of the James Financial Group's value of 9.56 is 32.8% above this benchmark. While the company's 10-year median is 7.60 vs. the industry median of 7.20, Bank of the James Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.20, based on 1,182 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the James Financial Group's current EV-to-FCF of 9.56 is 32.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of the James Financial Group and its competitors. For the Banks industry, the median EV-to-FCF is 7.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the James Financial Group's current EV-to-FCF is 9.56, which is 26% above median its own 10-year median of 7.60. 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 $16.45, compared to a current price of $27.74 — trading 68.6% above its estimated fair value. The current EV-to-FCF is 9.56, which is 26% above median its 10-year median of 7.60 and 32.8% above the Banks industry median of 7.20. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current EV-to-FCF is 9.56 as of Aug. 18, 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 $27.74 is trading 68.6% above its estimated GF Value™ of $16.45.
GuruFocus considers Bank of the James Financial Group to be Significantly Overvalued.
Key valuation signals for BOTJ:
EV-to-FCF: 9.56 (26% above median its 10-year median of 7.60)
GF Value™: $16.45 vs. price of $27.74 (68.6% above fair value)
Industry Position: 32.8% above the Banks median (#694 of 1182)
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 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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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