What is Bank of The James Financial Group Inc worth?
With the base-case assumptions below, a discounted cash flow model on Bank of The James Financial Group Inc's reported free cash flow gives $84.14 per share. The share price was $26.75 on September 25, 2026, 68% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $54.20 | +103% |
| Base | 15.0% | 9.0% | $84.14 | +215% |
| Bull | 20.0% | 8.0% | $139.91 | +423% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $106.82 | $113.89 | $122.53 | $133.33 | $147.22 |
| 8.0% | $89.78 | $94.37 | $99.79 | $106.29 | $114.24 |
| 9.0% | $77.39 | $80.53 | $84.14 | $88.36 | $93.35 |
| 10.0% | $67.99 | $70.22 | $72.75 | $75.64 | $78.97 |
| 11.0% | $60.64 | $62.28 | $64.10 | $66.16 | $68.49 |
Where the presets come from
Base: years 1 to 5 grow at Bank of The James Financial Group Inc's revenue growth rate over the last 5 fiscal years (16.0% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions