Bank of the James Financial Group, Inc. (BOTJ)

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Bank of the James Financial Group, Inc. (BOTJ) is up 23.1% since the beginning of the year. At $23 per share, BOTJ is trading 23.9% below its 52-week high of $30. Investors who bought $1,000 worth of BOTJ shares 5 years ago would now be looking at an investment worth $1,505.

Bank of the James Financial Group, Inc. (BOTJ) has returned 23.14% so far this year and 63.15% over the past 12 months. Over the last ten years, BOTJ has returned 10.06% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.

Based on dividend-adjusted daily data since Aug 10, 2000, BOTJ's average daily return is +0.08%, while the average monthly return is +1.03%. At this rate, an investment would double in approximately 5.6 years.

Historically, 52% of months were positive and 48% were negative. The best month was Jan 2013 with a return of +38.8%, while the worst month was Mar 2020 at -36.2%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 7 months.

On a daily basis, BOTJ closed higher 31% of trading days. The best single day was Jan 20, 2009 with a return of +33.5%, while the worst single day was Jan 27, 2009 at -28.1%.

Bank of the James Financial Group, Inc. has an annualized alpha of 21.67%, beta of 0.07, and R2 of 0.00 versus S&P 500 Index. Calculated based on daily prices since August 11, 2000.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (44.04%) than losses (25.80%) - typical of diversified or defensive assets.
• Beta of 0.07 may look defensive, but with R2 of 0.00 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.00 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

BOTJ ranks 93 for risk / return — in the top 93% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.

The table below present risk-adjusted performance metrics for Bank of the James Financial Group, Inc. (BOTJ) and compare them to S&P 500 Index.

Bank of the James Financial Group, Inc. provided a 2.21% dividend yield over the last twelve months, with an annual payout of $0.50 per share. The company has been increasing its dividends for 11 consecutive years.

The table displays the monthly dividend distributions for Bank of the James Financial Group, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Bank of the James Financial Group, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Bank of the James Financial Group, Inc. was 76.96%, occurring on Sep 30, 2011. Recovery took 1329 trading sessions.

The current Bank of the James Financial Group, Inc. drawdown is 3.11%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Bank of the James Financial Group, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Bank of the James Financial Group, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.