* 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 ROE % Adjusted to Book Value Chart
BOTJ vs MPCB, PNBK, KTHN: ROE % Adjusted to Book Value Comparison
For the Banks - Regional subindustry, Bank of the James Financial Group's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book 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 ROE % Adjusted to Book Value vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the James Financial Group's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Bank of the James Financial Group's ROE % Adjusted to Book Value 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.
What does a ROE % Adjusted to Book Value of 11.97% mean?
Bank of the James Financial Group (BOTJ) has a ROE % Adjusted to Book Value of 11.97% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank of the James Financial Group and its competitors.
Is Bank of the James Financial Group's ROE % Adjusted to Book Value too high?
Bank of the James Financial Group's current ROE % Adjusted to Book Value is 11.97%. 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 ROE % Adjusted to Book Value compare to MPCB and PNBK?
Bank of the James Financial Group's ROE % Adjusted to Book Value of 11.97% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank of the James Financial Group and its competitors. Bank of the James Financial Group's current ROE % Adjusted to Book Value is 11.97%. 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 $15.82, compared to a current price of $25.61 — trading 61.9% above its estimated fair value. The current ROE % Adjusted to Book Value is 11.97%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current ROE % Adjusted to Book Value is 11.97% 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:
ROE % Adjusted to Book Value: 11.97%
GF Value™: $15.82 vs. price of $25.61 (61.9% above fair value)
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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