Avoid the stress of overpaying for a stock or missing an opportunity by using the right tools and insights to evaluate Bank of the James Financial Group, Inc. before investing.

In this article, we go over a few key elements for understanding Bank of the James Financial Group, Inc.’s stock price such as:

• Bank of the James Financial Group, Inc.’s current stock price and volume
• Why Bank of the James Financial Group, Inc.’s stock price changed recently
• Upgrades and downgrades for BOTJ from analysts
• BOTJ’s stock price momentum as measured by its relative strength

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

Before we jump into Bank of the James Financial Group, Inc.’s stock price, history, target price and what caused it to recently dip, let’s take a look at some background.

Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management). The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and 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. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler’s checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.

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Bank of the James Financial Group, Inc.’s Stock Price as of Market Close

As of July 31, 2026, 4:00 PM, CST, Bank of the James Financial Group, Inc.’s stock price was $27.040.

Bank of the James Financial Group, Inc. is down 2.06% from its previous closing price of $27.610.

During the last market session, Bank of the James Financial Group, Inc.’s stock traded between $26.820 and $28.010. Currently, there are approximately 4.54 million shares outstanding for Bank of the James Financial Group, Inc..

Bank of the James Financial Group, Inc.’s price-earnings (P/E) ratio is currently at 11.2, which is low compared to the Banks industry median of 12.9. The price-earnings ratio gauges market expectation of future performance by relating a stock’s current share price to its earnings per share.

Bank of the James Financial Group, Inc. Stock Price History

Bank of the James Financial Group, Inc.’s (BOTJ) price is currently up 5.96% so far this month.

During the month of July, Bank of the James Financial Group, Inc.’s stock price has reached a high of $28.560 and a low of $24.980.

Over the last year, Bank of the James Financial Group, Inc. has hit prices as high as $29.790 and as low as $13.565. Year to date, Bank of the James Financial Group, Inc.’s stock is up 45.53%.

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What Caused Bank of the James Financial Group, Inc. Stock’s Price to Dip?

Stock prices are primarily based on seller supply and buyer demand. But have you ever wondered about what other factors affect a stock's price?

When an analyst changes their opinion of a stock by upgrading or downgrading their rating, it often leads to a sudden stock price adjustment. As of July 31, 2026, there were analysts who downgraded Bank of the James Financial Group, Inc.’s stock and analysts who upgraded over the last month.

Additionally, you'll want to evaluate Bank of the James Financial Group, Inc.’s financial health and valuation. Investors can use AAII's Value Grade, which combines six key valuation metrics like P/E and P/S ratios for a comprehensive analysis to conduct analysis on Bank of the James Financial Group, Inc.’s valuation and financial health. This approach mitigates the limitations of single-metric evaluations.

Bank of the James Financial Group, Inc.’s current valuation based on AAII’s Value Grade is a B, which means it is considered to be Value.

Learn how to evaluate stocks with AAII Grades and Scores with A+ Investor today.

Lastly, news and media coverage as well as recent press reports about the company or its industry may cause stock prices to fluctuate. You can check out the most recent news articles about Bank of the James Financial Group, Inc. (BOTJ) by visiting AAII Stock Evaluator.

Relative Price Strength of Bank of the James Financial Group, Inc.

Relative price strength measures a stock's performance against the market, helping investors identify stocks that are outperforming benchmarks.

For AAII’s Momentum Grade, a weighted relative price strength is calculated. Follow this link to learn more about the Momentum Grade.

As of July 31, 2026, Bank of the James Financial Group, Inc. has a weighted four-quarter relative price strength of 13.42%, which translates to a Momentum Score of 87 and is considered to be Very Strong.

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Bank of the James Financial Group, Inc. Stock Price: Bottom Line

As of July 31, 2026, Bank of the James Financial Group, Inc.’s stock price is $27.040, which is down 2.06% from its previous closing price.

AAII advises against making stock decisions based solely on price or past returns. Instead, consider a variety of metrics, fundamentals, and analytics to evaluate a stock like Bank of the James Financial Group, Inc. stock prices are influenced by market supply and demand and offer just a snapshot of a company's overall health.

Subscribing to AAII's A+ Investor provides access to comprehensive analytics and insights for confident investing.