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Bank of the James Valuation Multiples
Discover revenue and EBITDA valuation multiples for Bank of the James and similar public comparables like IF Bancorp, Auburn National Bancorp, Summit State Bank, United Bancorp and more.
Bank of the James Overview
About Bank of the James
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.
Founded
2003
HQ
Employees
175
Website
Sectors
Financials (FY)
EV
$101M
Bank of the James Financials
Bank of the James reported last fiscal year revenue of $44M.
In the same fiscal year, Bank of the James generated $8M in net income.
Bank of the James P&L
In the most recent fiscal year, Bank of the James reported revenue of $44M and net income of $8M.
Bank of the James expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | — | XXX | $44M | XXX | XXX | XXX |
| Net Profit | — | XXX | $8M | XXX | XXX | XXX |
| Net Margin | — | XXX | 18% | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Bank of the James Stock Performance
Bank of the James has current market cap of $92M, and enterprise value of $101M.
Market Cap Evolution
Bank of the James' stock price is $20.29.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $101M | $92M | 0.0% | XXX | XXX | XXX | $1.75 |
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Start Free TrialBank of the James Valuation Multiples
Bank of the James trades at 2.3x EV/Revenue multiple.
Bank of the James Financial Valuation Multiples
As of March 7, 2026, Bank of the James has market cap of $92M and EV of $101M.
Equity research analysts estimate Bank of the James' 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Bank of the James has a P/E ratio of 11.6x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $92M | XXX | $92M | XXX | XXX | XXX |
| EV (current) | $101M | XXX | $101M | XXX | XXX | XXX |
| EV/Revenue | — | XXX | 2.3x | XXX | XXX | XXX |
| P/E | — | XXX | 11.6x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 16.9x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Bank of the James Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Bank of the James Margins & Growth Rates
Bank of the James' revenue in the last fiscal year grew by 4%.
Bank of the James Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | — | XXX | 4% | XXX | XXX | XXX |
| S&M Expenses to Revenue | — | XXX | 2% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 45% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Bank of the James Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| IF Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| Auburn National Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| Summit State Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| United Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| Voss Veksel | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Bank of the James M&A Activity
Bank of the James acquired XXX companies to date.
Last acquisition by Bank of the James was on XXXXXXXX, XXXXX. Bank of the James acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Bank of the James
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialBank of the James Investment Activity
Bank of the James invested in XXX companies to date.
Bank of the James made its latest investment on XXXXXXXX, XXXXX. Bank of the James invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Bank of the James
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Bank of the James
| When was Bank of the James founded? | Bank of the James was founded in 2003. |
| Where is Bank of the James headquartered? | Bank of the James is headquartered in United States. |
| How many employees does Bank of the James have? | As of today, Bank of the James has over 175 employees. |
| Who is the CEO of Bank of the James? | Bank of the James' CEO is Robert R. Chapman. |
| Is Bank of the James publicly listed? | Yes, Bank of the James is a public company listed on Nasdaq. |
| What is the stock symbol of Bank of the James? | Bank of the James trades under BOTJ ticker. |
| When did Bank of the James go public? | Bank of the James went public in 2000. |
| Who are competitors of Bank of the James? | Bank of the James main competitors are IF Bancorp, Auburn National Bancorp, Summit State Bank, United Bancorp. |
| What is the current market cap of Bank of the James? | Bank of the James' current market cap is $92M. |
| What is the current revenue of Bank of the James? | Bank of the James' last fiscal year revenue is $44M. |
| What is the current EV/Revenue multiple of Bank of the James? | Current revenue multiple of Bank of the James is 2.3x. |
| Is Bank of the James profitable? | No, Bank of the James is not profitable. |
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