BOTJ (Bank of the James Financial Group) Moat Score: 2/10 (As of Jul. 03, 2026)


BOTJ Bank of the James Financial Group Inc BOTJ
63 GF Score
Price $25.61
GF Value $15.82
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Bank of the James Financial Group Moat Score?

Bank of the James Financial Group BOTJ -1.14% 63 Moat Score is 2 as of Jul. 03, 2026. GuruFocus rates BOTJ with a GF Score™ of 63/100 and a GF Value™ of $15.82 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, Bank of the James Financial Group ranks better than 59.84% on this metric.

Bank of the James Financial Group has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Bank of the James Financial Group has No Moat: Bank of the James Financial Group Inc operates in a competitive regional banking market with limited market share and no significant brand strength or regulatory advantages. The absence of network effects or proprietary technology results in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank of the James Financial Group might have No Moat - Very weak/transient advantages.

Bank of the James Financial Group  (NAS:BOTJ) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank of the James Financial Group Moat Score Related Terms

BOTJ vs MPCB, PNBK, KTHN: Moat Score Comparison

For the Banks - Regional subindustry, Bank of the James Financial Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bank of the James Financial Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank of the James Financial Group's Moat Score falls into.


BOTJ
63GF Score
Bank of the James Financial Group Inc BOTJ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Bank of the James Financial Group (BOTJ) has a Moat Score of 2 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bank of the James Financial Group ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is Bank of the James Financial Group's Moat Score too high?
Bank of the James Financial Group's current Moat Score is 2. Based on the distribution chart, Bank of the James Financial Group ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of the James Financial Group has a GF Score™ 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 Moat Score compare to MPCB and PNBK?
According to the Banks industry distribution chart, Bank of the James Financial Group ranks #647 out of 1611 companies for Moat Score. This puts Bank of the James Financial Group in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bank of the James Financial Group's current Moat Score is 2. 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 $15.82, compared to a current price of $25.61 — trading 61.9% above its estimated fair value. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current Moat Score is 2 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 61.9% above its estimated GF Value™ of $15.82. GuruFocus considers Bank of the James Financial Group to be Significantly Overvalued.

Key valuation signals for BOTJ:

  • Moat Score: 2
  • GF Value™: $15.82 vs. price of $25.61 (61.9% above fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for BOTJ

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

$25.61
Price
$15.82
GF Value