What is Bank of the James Financial Group OCF Yield %?
Bank of the James Financial GroupBOTJ -1.14%63 OCF Yield % is 13.43 as of Jul. 03, 2026, which is 0% above its 10-year median of 13.38. 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 1,502 Banks companies, Bank of the James Financial Group ranks better than 66.18% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Bank of the James Financial Group OCF Yield % Explanation
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Bank of the James Financial Group OCF Yield % Related Terms
Bank of the James Financial Group OCF Yield % 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 OCF Yield % Chart
For the Banks - Regional subindustry, Bank of the James Financial Group's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the James Financial Group's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Bank of the James Financial Group's OCF Yield % falls into.
* 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 OCF Yield % of 13.43 as of Jul. 03, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Bank of the James Financial Group and its competitors. This is near median its historical median of 13.38. Over the past decade, Bank of the James Financial Group's OCF Yield % has ranged from 3.23 to 41.48. According to the industry distribution chart, Bank of the James Financial Group ranks #508 out of 1502 companies in the Banks industry, placing it in the top 33.8%.
Is Bank of the James Financial Group's OCF Yield % too high?
Bank of the James Financial Group's current OCF Yield % of 13.43 is near median its 10-year median of 13.38. Over the past 10 years, this metric has ranged from a low of 3.23 to a high of 41.48. The Banks industry median OCF Yield % is 9.24. Bank of the James Financial Group's value of 13.43 is 45.3% above this industry median. Based on the distribution chart, Bank of the James Financial Group ranks #508 out of 1502 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 OCF Yield % compare to MPCB and PNBK?
According to the Banks industry distribution chart, Bank of the James Financial Group ranks #508 out of 1502 companies for OCF Yield %. This puts Bank of the James Financial Group in the upper half of its industry. The industry median OCF Yield % is 9.24. Bank of the James Financial Group's value of 13.43 is 45.3% above this benchmark. Historically, Bank of the James Financial Group's own OCF Yield % has ranged from 3.23 to 41.48 over the past decade. While the company's 10-year median is 13.38 vs. the industry median of 9.24, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.24, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % 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 OCF Yield % of 13.43 is 45.3% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Bank of the James Financial Group and its competitors. For the Banks industry, the median OCF Yield % is 9.24 — 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 OCF Yield % is 13.43, which is near median its own 10-year median of 13.38. 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 OCF Yield % is 13.43, which is near median its 10-year median of 13.38 and 45.3% above the Banks industry median of 9.24. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current OCF Yield % is 13.43 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:
OCF Yield %: 13.43 (near median its 10-year median of 13.38)
GF Value™: $15.82 vs. price of $25.61 (61.9% above fair value)
Industry Position: 45.3% above the Banks median (#508 of 1502)
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
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