Bank of the James Financial PE ratio BOTJ

Share price divided by earnings per share over the last twelve months, since 2013.

Today, Oct 23, 2026: 11.8×
10-year median: 9.9×
Against its 10-year history: 72nd; percentile: 0 is its lowest day, 100 its highest
10-year range: 4.8× to 22.0×
Peer median: 17.1×

Bank of the James Financial's PE ratio is 11.8× as of Oct 23, 2026: a share price of $29.73 against $2.53 of earnings per share over the last twelve months.

That is above its ten-year median of 9.9×, higher than on 72% of days in the last ten years.

Over that time it ranged from 4.8× in Jun 2023 to 22.0× in Mar 2018.

The median for 10 regional banks of a similar size is 17.1×.

PE ratio over time

median 9.9×

The dashed line is the 10-year median and the shaded band the middle half of its days.

Open the interactive chart, with overlays and comparisons

Year by year

Year	End of year	Low	High
2026 so far	11.8×	9.4×	11.9×
2025	10.3×	6.8×	10.7×
2024	8.4×	5.2×	8.6×
2023	6.5×	4.8×	7.0×
2022	6.4×	6.2×	9.8×
2021	9.5×	8.7×	13.1×
2020	9.9×	6.2×	11.0×
2019	11.0×	9.9×	14.0×
2018	12.4×	12.4×	22.0×
2017	20.9×	14.5×	21.4×
2016	15.3×	9.4×	15.3×
2015	10.5×	9.0×	12.2×
2014	10.0×	8.6×	10.2×
2013	8.5×	7.7×	10.9×

Against its peers

Companies in Banks - Regional nearest Bank of the James Financial's size, closest first, today.

Company	PE ratio
BOTJBank of the James Financial	11.8×
MGYRMagyar Bancorp	10.6×
LSBKLake Shore Bancorp	16.5×
FINWFinwise Bancorp	11.2×
SRBKSR Bancorp	42.0×
WSBKWinchester Bancorp	26.2×
BSBKBogota Financial	41.4×
SFBCSound Financial Bancorp	14.4×
UNBUnion Bankshares	8.9×
PROVProvident Financial	17.7×
HNVRHanover Bancorp	18.7×
Peer median	17.1×

Where Bank of the James Financial ranks

#63of 193Regional banks with the lowest PE ratio

What the PE ratio tells you

Share price divided by earnings per share over the last twelve months. It is the price tag on a dollar of profit: 20× means you pay $20 for $1 of yearly earnings.

Blank while earnings are negative. A very low PE can mean the market expects profits to fall, so read it with growth and the company's own history.

More on Bank of the James Financial

Valuation data, not investment advice. Prices as of Oct 23, 2026. Reported figures come from the company's filings with the SEC.