BOTJ (Bank of the James Financial Group) ROCE %: % (As of Mar. 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
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What is Bank of the James Financial Group ROCE %?

Bank of the James Financial Group BOTJ -1.14% 63 ROCE % is % as of Mar. 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.

ROCE % does not apply to banks and insurance companies.

BOTJ
63GF Score
Bank of the James Financial Group Inc BOTJ
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Bank of the James Financial Group (BOTJ) has a ROCE % of % as of Mar. 2026.
Is Bank of the James Financial Group's ROCE % too high?
Bank of the James Financial Group's current ROCE % is %. 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 ROCE % compare to MPCB and PNBK?
Bank of the James Financial Group's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.20, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.20 — 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 ROCE % is %. 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 ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current ROCE % is % as of Mar. 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:

  • ROCE %: %
  • 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

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

$25.61
Price
$15.82
GF Value