Bank of the James Financial Group, Inc.
BOTJFinancial Services · Stock · quarterly payer
Forward Yield
1.46%
Annual Dividend
$0.40
Payout Ratio
16%
5-Yr Growth
9.5%
Ex-Date
Aug 21, 2026
Frequency
Quarterly
Summary
As of September 2026, Bank of the James Financial Group, Inc. (BOTJ) yields 1.46% ($0.40 per share annually), with a blended fair-value estimate of $47.11 — +73% upside, so it screens as undervalued. Dividend safety grade: A (91/100).
Is BOTJ a good dividend stock?
YesBank of the James Financial Group, Inc. (BOTJ) pays a quarterly dividend yielding 1.46% ($0.40/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (16%)
- Strong 9.5% 5-yr dividend growth
- 75% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 1.46%
- Payout Ratio
- 16%
- Annual Dividend
- $0.40
- 5-Yr Avg Growth
- 9.5%
- Ex-Dividend Date
- Aug 21, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.18
- Market Cap
- $123.8M
- P/E Ratio
- 10.8
- 5-Yr Total Return
- 75%
- 52-Week Range
- $14.44 – $29.79
- Dividend Safety
- A · 91/100
- Ever Cut?
- No
Frequently Asked Questions
BOTJ Price — Last 12 Months
Daily close
Price Return
1 Year
+60%
3 Years
+175%
5 Years
+75%
52-Week Range
$14.44 – $29.79
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is BOTJ worth?
Undervaluedlow confidenceOur blended fair-value estimate for Bank of the James Financial Group, Inc. is $47.11 per share, versus a market price of $27.25. That implies 73% of upside — a margin of safety of about 42%.
Fair Value
$47.11
Current Price
$27.25
Upside
+73%
Margin of Safety
42%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 9.5% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 9.5% stage-1 growth, 2.5% terminal growth, $2.53 EPS, $0.40 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
BOTJ Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 21, 2026 | — | $0.1000 | regular |
| May 22, 2026 | — | $0.1000 | regular |
| Feb 17, 2026 | — | $0.1000 | regular |
| Nov 21, 2025 | — | $0.1000 | regular |
| Sep 12, 2025 | — | $0.1000 | regular |
| Jun 6, 2025 | — | $0.1000 | regular |
| Mar 7, 2025 | — | $0.1000 | regular |
| Nov 22, 2024 | — | $0.1000 | regular |
| Sep 6, 2024 | — | $0.1000 | regular |
| Jun 7, 2024 | — | $0.1000 | regular |
| Feb 29, 2024 | — | $0.1000 | regular |
| Nov 22, 2023 | — | $0.0800 | regular |
| Aug 31, 2023 | — | $0.0800 | regular |
| Jun 1, 2023 | — | $0.0800 | regular |
Income Calculator
At $0.40 / yr per share
