This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Bank of the James Financial Group's Median PS Value or its related term are showing as below:
BOTJ'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.51 Med: 0.97 Max: 1.59
Current: 1.27
During the past 13 years, the highest Price to Median PS Value of Bank of the James Financial Group was 1.59. The lowest was 0.51. And the median was 0.97.
BOTJ's Price-to-Median-PS-Value is ranked worse than 65.74% of 1042
companies
in the Banks industry
Industry Median: 1.12
vs BOTJ: 1.27
Bank of the James Financial Group (NAS:BOTJ) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Bank of the James Financial Group's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
25.61
/
20.23
=
1.27
* 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 Median PS Value Related Terms
Bank of the James Financial Group Median PS Value 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.
Bank of the James Financial Group Median PS Value Chart
BOTJ vs MPCB, PNBK, KTHN: Median PS Value Comparison
For the Banks - Regional subindustry, Bank of the James Financial Group's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the James Financial Group's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Bank of the James Financial Group's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.8587.
Bank of the James Financial Group's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $10.884.
* 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 Median PS Value of $20.23 as of Jul. 03, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Bank of the James Financial Group and its competitors. This is 1986% above median its historical median of 0.97. Over the past decade, Bank of the James Financial Group's Median PS Value has ranged from 0.51 to 1.59. According to the industry distribution chart, Bank of the James Financial Group ranks #685 out of 1042 companies in the Banks industry, placing it in the top 65.7%.
Is Bank of the James Financial Group's Median PS Value too high?
Bank of the James Financial Group's current Median PS Value of $20.23 is 1986% above median its 10-year median of 0.97. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.59. The Banks industry median Median PS Value is 1.12. Bank of the James Financial Group's value of $20.23 is 1706.3% above this industry median. Based on the distribution chart, Bank of the James Financial Group ranks #685 out of 1042 companies in the Banks industry, which is below the industry midpoint. Overall, Bank of the James Financial Group has a GF Scoreâ„¢ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of the James Financial Group's Median PS Value compare to MPCB and PNBK?
According to the Banks industry distribution chart, Bank of the James Financial Group ranks #685 out of 1042 companies for Median PS Value. This places Bank of the James Financial Group in the lower half of its industry. The industry median Median PS Value is 1.12. Bank of the James Financial Group's value of $20.23 is 1706.3% above this benchmark. Historically, Bank of the James Financial Group's own Median PS Value has ranged from 0.51 to 1.59 over the past decade. While the company's 10-year median is 0.97 vs. the industry median of 1.12, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.12, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value of $20.23 is 1706.3% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Bank of the James Financial Group and its competitors. For the Banks industry, the median Median PS Value is 1.12 — 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 Median PS Value is $20.23, which is 1986% above median its own 10-year median of 0.97. 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 $15.81, compared to a current price of $25.61 — trading 62% above its estimated fair value. The current Median PS Value is $20.23, which is 1986% above median its 10-year median of 0.97 and 1706.3% above the Banks industry median of 1.12. Bank of the James Financial Group's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current Median PS Value is $20.23 as of Jul. 03, 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 $25.61 is trading 62% above its estimated GF Value™ of $15.81.
GuruFocus considers Bank of the James Financial Group to be Significantly Overvalued.
Key valuation signals for BOTJ:
Median PS Value: $20.23 (1986% above median its 10-year median of 0.97)
GF Value™: $15.81 vs. price of $25.61 (62% above fair value)
Industry Position: 1706.3% above the Banks median (#685 of 1042)
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
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.
63GF Score
Get the complete analysis for BOTJ
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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