BOTJ (Bank of the James Financial Group) Insider Ownership: 17.10 % (As of Sep. 21, 2026)

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Founder & CEO of GuruFocus
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BOTJ Bank of the James Financial Group Inc BOTJ
58 GF Score
Price $26.95
GF Value $16.51
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Bank of the James Financial Group Insider Ownership?

Bank of the James Financial Group BOTJ -1.32% 58 Insider Ownership is 17.10 % as of Sep. 21, 2026. GuruFocus rates BOTJ with a GF Score™ of 58/100 and a GF Value™ of $16.51 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Insider ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, Bank of the James Financial Group's insider ownership is 17.10%.

Institutional Ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, Bank of the James Financial Group's Institutional Ownership is 31.72%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, Bank of the James Financial Group's Float Percentage Of Total Shares Outstanding is 88.13%.

Bank of the James Financial Group Insider Ownership Historical Data

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The historical data trend for Bank of the James Financial Group's Insider Ownership 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 Insider Ownership Chart

Bank of the James Financial Group Historical Data

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

2025-08-31 2025-09-30 2025-10-31 2025-11-30 2026-01-31 2026-02-28 2026-05-31 2026-06-30 2026-07-31 2026-08-31
Insider Ownership 16.91 16.91 16.91 16.95 16.95 17.02 17.07 17.07 17.07 17.10
BOTJ
58GF Score
Bank of the James Financial Group Inc BOTJ
Insider Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of the James Financial Group Insider Ownership Calculation

The percentage of shares that are owned by company insiders relative to the total shares outstanding.

Frequently Asked Questions Learn more about Insider Ownership →
What does a Insider Ownership of 17.10 % mean?
Bank of the James Financial Group (BOTJ) has a Insider Ownership of 17.10 % as of Sep. 21, 2026. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on Bank of the James Financial Group and its competitors.
Is Bank of the James Financial Group's Insider Ownership too high?
Bank of the James Financial Group's current Insider Ownership is 17.10 %. 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 Insider Ownership compare to PNBK and MPCB?
Bank of the James Financial Group's Insider Ownership of 17.10 % 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 Insider Ownership for a Banks company?
A good Insider Ownership depends on the Banks industry context. However, Insider Ownership 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 Insider Ownership mean?
A high Insider Ownership can signal that a stock is expensive relative to its fundamentals. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on Bank of the James Financial Group and its competitors. Bank of the James Financial Group's current Insider Ownership is 17.10 %. 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 $16.51, compared to a current price of $26.95 — trading 63.2% above its estimated fair value. The current Insider Ownership is 17.10 %. 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 Insider Ownership calculated?
Insider Ownership is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current Insider Ownership is 17.10 % as of Sep. 21, 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 $26.95 is trading 63.2% above its estimated GF Value™ of $16.51. GuruFocus considers Bank of the James Financial Group to be Significantly Overvalued.

Key valuation signals for BOTJ:

  • Insider Ownership: 17.10 %
  • GF Value™: $16.51 vs. price of $26.95 (63.2% 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

Get the complete analysis for BOTJ

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

$26.95
Price
$16.51
GF Value