Bank of the James Financial Group, Inc. (BOTJ) Fair Value 2026

BOTJ · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Bank of the James Financial Group, Inc. (BOTJ) trades at $26.86, versus a $20.68 median fair value across its 6 active models — 23.0% below the current price. QOC: 8.4/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
BOTJ
Price
$26.86
Quality Score
8.4/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.4/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Bank of the James Financial Group, Inc. (BOTJ) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Bank of the James Financial Group, Inc. (BOTJ) appears overvalued as of : the median of 6 independent fair value estimates is $20.68, 23.0% below the current price of $26.86. Estimates range from $10.05 to $34.94. BOTJ scores 8.4/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. BOTJ’s -23.0% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Bank of the James Financial Group, Inc. Stock in 2026? →

What Fair Value Does Each Model Give BOTJ?

6 Intrinsic Value Models vs. Current Price ($26.86)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $20.99 -21.9%
Ensemble · Medium Conviction
 $20.37 -24.2%
Intrinsic · High Conviction
 $10.05 -62.6%
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What Is BOTJ's Fair Value Range?

Spread across 6 independent models · $10.05 to $34.94

CirclFi's 6 active models place Bank of the James Financial Group, Inc. (BOTJ) between $10.05 and $34.94 per share, a spread of 120% of the median. The median of that range — $20.68 — is the fair value CirclFi publishes for BOTJ, against a current price of $26.86.

Low · Markov DDMHigh · ML-RIV
$10.05median $20.68$34.94
Where the range comes from
Most bearish modelMarkov DDM$10.05
Most bullish modelML Residual Income$34.94
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for BOTJ. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on BOTJ, not a CirclFi price target. How each model works →

What Is Bank of the James Financial Group, Inc. (BOTJ) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Bank of the James Financial Group, Inc.'s intrinsic value is estimated at $20.68, suggesting the stock is overvalued at its current price of $26.86. With 5 out of 6 models flagging downside (-23.0% vs price), the market may be pricing in unsustainable growth. The most optimistic model, ML-RIV, places fair value at $34.94 (+30.1%), while Markov DDM — the most conservative — estimates $10.05 (-62.6%). This +92.7% gap reflects genuine analytical uncertainty about Bank of the James Financial Group, Inc.'s intrinsic worth.

What Do the Models Say About BOTJ?

6 of 13 models are currently active for BOTJ. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for BOTJ is $20.68 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BOTJ Rank in Banks - Regional?

Among 349 Banks - Regional stocks, BOTJ ranks #71 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places BOTJ in the top tier.

See all Most Undervalued Banks - Regional Stocks →

As a banking sector, Bank of the James Financial Group, Inc. operates in a sector where non-performing loan ratio is a critical driver of valuation. Investors evaluating BOTJ should weigh these sector-specific dynamics alongside our model-derived fair values.

Is BOTJ a Value Trap?

CirclFi's Value Trap algorithm assigns BOTJ a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Bank of the James Financial Group, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Bank of the James Financial Group, Inc.'s fundamental quality profile registers 8.4/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +92.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BOTJ valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BOTJ's 6 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Bank of the James Financial Group, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

HBCPHome Bancorp, Inc.QOC 8.4OVBCOhio Valley Banc Corp.QOC 8.4SYBTStock Yards Bancorp, Inc.QOC 8.4MCBSMetroCity Bankshares, Inc.QOC 8.4BFCBank First CorporationQOC 8.4WBHCWilson Bank Holding CompanyQOC 8.4LSBKLake Shore Bancorp, Inc.QOC 8.1PFSBPFS Bancorp, Inc.QOC 7.6MFBIMonroe Federal Bancorp, Inc.QOC 5.7ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: HBCP · OVBC · SYBT · MCBS · BFC · WBHC · LSBK · PFSB · MFBI · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to BOTJ?

6 companies across all industries closest to BOTJ’s Quality of Company score of 8.4/10.

GENGen Digital Inc.QOC 8.4BCRXBioCryst Pharmaceuticals, Inc.QOC 8.4SCIASCI Engineered Materials, Inc.QOC 8.4MZTIThe Marzetti CompanyQOC 8.4TNKTeekay Tankers Ltd.QOC 8.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: GEN · BCRX · SCIA · MZTI · TNK · NVDA

Where Does BOTJ Sit in CirclFi's Banks - Regional Rankings?

BOTJ is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Bank of the James Financial Group, Inc.’s Valuation?

What is Bank of the James Financial Group, Inc.'s intrinsic value in 2026?

CirclFi puts Bank of the James Financial Group, Inc. (BOTJ)'s intrinsic value at $20.68 — the median of 6 independent model estimates as of 2026-08-27, ranging from $10.05 to $34.94. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BOTJ overvalued or undervalued right now?

At $26.86, 1 of 6 active models suggest BOTJ may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $20.68, 23.0% below the current price of $26.86 — a consensus view that BOTJ is overvalued. The assessment depends on which methodology best fits Bank of the James Financial Group, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.4 mean for BOTJ?

Bank of the James Financial Group, Inc.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BOTJ?

CirclFi analyzes BOTJ with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BOTJ?

Of the 6 models currently active on BOTJ, ML Residual Income is the most bullish at $34.94 per share, and Markov DDM is the most bearish at $10.05. CirclFi's published fair value for BOTJ is the median of that range, $20.68, not either extreme. The gap between the two ends equals 120% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is BOTJ a value trap in 2026?

Bank of the James Financial Group, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Bank of the James Financial Group, Inc. (BOTJ) has a median fair value of $20.68 — 23.0% below the current price of $26.86 — as of 2026-08-27.” Source: circlfi.com/stock/BOTJ/ · Methodology
Primary sources for this BOTJ valuation

Market data for BOTJ as of ; valuations recomputed .

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