BOTJ – Dividend Returns, History & Calculator

Dividend Challenger 5 Years

Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia

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Company Info

Symbol BOTJ
Company Bank of the James Financial Gro
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $80.7M

Price Data

Price $17.77
Price Change +0.27
Price Change % +1.54%
Low (52W) $11.56
High (52W) $18.50

Dividend Data

Div Yield 2.25%
5Y Avg Yield 2.72%
Current Div $0.100
Payouts/Year 4
Annualized $0.400
Previous Div $0.100
Ex-date Nov 21, 2025
Dividend Pay Date Sep 26, 2025

Growth Rates

Chowder Number 9.5
DGR 1Y 0.0%
DGR 3Y 3.6%
DGR 5Y 7.3%
DGR 10Y 7.7%

Total Returns

TTR 1Y - With Specials 26.6%
TTR 3Y - With Specials 19.7%
TTR 1Y - No Specials 26.6%
TTR 3Y - No Specials 19.7%

Fair Value

Fair Value (P/E 10) $12.86
FV (P/E 10) % 38.0%
Fair Value (Peter Lynch) $43.75
FV (Peter Lynch) % -59.0%

Financial Metrics

NPM 16.6%
CF/Share $2.55
ROE 10.9%
Debt/Capital 10.0%
P/E 10.2x
P/BV 1.1x
📊 Financial data last updated: November 24, 2025 2:03 pm

Calculate your BOTJ Dividend Returns

Quickly and easily calculate BOTJ dividend yield using our BOTJ calculator. Adjust the fields below to see how your BOTJ investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: November 29, 2025 3:48 pm

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000556$18.00$0.102.22%2.22%$241$241636$11,441
2$11,883636$18.70$0.112.27%2.36%$290$530715$13,373
3$13,890715$19.42$0.112.33%2.51%$343$874795$15,433
4$16,030795$20.17$0.122.38%2.67%$403$1,276874$17,633
5$18,315874$20.95$0.132.43%2.83%$468$1,745954$19,983
6$20,756954$21.76$0.142.49%3.01%$540$2,2851,034$22,496
7$23,3661,034$22.60$0.142.55%3.20%$620$2,9051,114$25,186
8$26,1601,114$23.48$0.152.60%3.40%$708$3,6121,196$28,067
9$29,1531,196$24.38$0.162.66%3.61%$805$4,4171,278$31,157
10$32,3621,278$25.33$0.172.73%3.83%$912$5,3281,361$34,474

BOTJ Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
11/21/202511/21/2025$0.1002.25%2.25%$17.77
09/12/202509/12/2025$0.1002.62%2.62%$15.25
06/06/202506/06/2025$0.1002.81%2.81%$14.25
03/07/202503/07/2025$0.1003.06%3.06%$13.07
11/22/202411/22/2024$0.1002.71%2.71%$14.75
09/06/202409/06/2024$0.1002.86%3.01%$13.30
06/07/202406/07/2024$0.1003.35%3.72%$10.75
02/29/202402/29/2024$0.1002.89%3.40%$11.75
11/22/202311/22/2023$0.0803.20%3.20%$10.00
08/31/202308/31/2023$0.0802.99%2.99%$10.72
06/01/202306/01/2023$0.0803.40%3.51%$9.11
03/02/202303/02/2023$0.0802.32%2.47%$12.94
11/23/202211/23/2022$0.0802.50%2.76%$11.58
09/01/202209/01/2022$0.0702.28%2.28%$12.30
06/02/202206/02/2022$0.0702.15%2.15%$13.00
03/03/202203/03/2022$0.0701.81%1.86%$15.08
11/24/202111/24/2021$0.0701.69%1.77%$15.80
09/02/202109/02/2021$0.0701.83%1.96%$14.25
06/03/202106/03/2021$0.0641.48%1.48%$17.17
03/04/202103/04/2021$0.0641.84%1.84%$13.82
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Invest in BOTJ with Interactive Brokers

BOTJ 10-yr Total Return ($10,000 invested)

This analysis of BOTJ demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 6.6% CAGR, representing moderate long-term performance. Recent 5-year performance has been particularly strong at 12.3% annually, outpacing the 10-year average. The DRIP strategy provided 21% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (BOTJ)

Over the selected period, investing $10,000 in BOTJ would grow to $24,334 with DRIP (143.3%), and $21,914 without DRIP (119.1%).

BOTJ Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in BOTJ with historic price growth (3.87%) and dividend growth (6.25%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $87,301

Annual Dividend: $3,053

Yield on Cost: 8.98%

Total Dividends: $23,181

No DRIP

Portfolio: $75,133

Total Dividends: $17,795

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $204,460

Annual Dividend: $8,969

Yield on Cost: 19.50%

Total Dividends: $76,193

No DRIP

Portfolio: $145,717

Total Dividends: $47,302

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $8,732 against a total investment of $25,600. At this point, your portfolio is throwing off $1,405 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $2,201, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $23,181 versus $34,000 invested, nearly a 68% recovery of capital purely from income. Yield on cost reaches 8.98%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $5,228 is greater than total contributions to date ($40,000), and cumulative dividends exceed $42,735.

By year 30, the DRIP snowball is in full force. Yearly income reaches $8,969, cumulative dividends total $76,193, and the DRIP portfolio value stands at $204,460, compared with $145,717 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for BOTJ, price $18.00, dividend per period $0.10 (4x/year), along with historic growth assumptions: price growth 3.87% and dividend growth 6.25% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for BOTJ

Based on past 10-year performance, here are BOTJ growth metrics:

Share price CAGR of +3.97%
Dividend CAGR of +7.68%

Using BOTJ CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

BOTJ (DRIP)BOTJ (No DRIP)
Current Price$17.01$17.01
Start Shares587.89587.89
Start Value$10,000$10,000
After 10 years:
Final Share Count779.80587.89
Dividends Payment$0.84$0.84
Annual Dividends$632$493
Yield on cost6.32%4.93%
Share Price$25.11$25.11
Total Dividends$4,151$3,612
Final Value$19,578$18,372

Estimated Future Value + Dividends – BOTJ

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

BOTJ Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
11/21/202511/21/2025$0.1002.25%2.25%$17.77
09/12/202509/12/2025$0.1002.62%2.62%$15.25
06/06/202506/06/2025$0.1002.81%2.81%$14.25
03/07/202503/07/2025$0.1003.06%3.06%$13.07
11/22/202411/22/2024$0.1002.71%2.71%$14.75
09/06/202409/06/2024$0.1002.86%3.01%$13.30
06/07/202406/07/2024$0.1003.35%3.72%$10.75
02/29/202402/29/2024$0.1002.89%3.40%$11.75
11/22/202311/22/2023$0.0803.20%3.20%$10.00
08/31/202308/31/2023$0.0802.99%2.99%$10.72
06/01/202306/01/2023$0.0803.40%3.51%$9.11
03/02/202303/02/2023$0.0802.32%2.47%$12.94
11/23/202211/23/2022$0.0802.50%2.76%$11.58
09/01/202209/01/2022$0.0702.28%2.28%$12.30
06/02/202206/02/2022$0.0702.15%2.15%$13.00
03/03/202203/03/2022$0.0701.81%1.86%$15.08
11/24/202111/24/2021$0.0701.69%1.77%$15.80
09/02/202109/02/2021$0.0701.83%1.96%$14.25
06/03/202106/03/2021$0.0641.48%1.48%$17.17
03/04/202103/04/2021$0.0641.84%1.84%$13.82
11/25/202011/25/2020$0.0642.23%2.23%$11.41
09/03/202009/03/2020$0.0642.42%2.71%$9.40
06/04/202006/04/2020$0.0642.34%2.73%$9.34
03/05/202003/05/2020$0.0641.68%2.04%$12.45
12/06/201912/06/2019$0.0361.49%1.08%$13.41
11/27/201911/27/2019$0.0551.61%1.61%$13.57
09/05/201909/05/2019$0.0551.72%1.72%$12.68
06/06/201906/06/2019$0.0551.71%1.71%$12.73
03/07/201903/07/2019$0.0551.63%1.63%$13.42
11/29/201811/29/2018$0.0551.80%1.80%$12.10
09/06/201809/06/2018$0.0551.53%1.53%$14.27
06/07/201806/07/2018$0.0551.58%1.58%$13.77
03/08/201803/08/2018$0.0551.56%1.56%$14.00
11/30/201711/30/2017$0.0551.62%1.62%$13.50
09/07/201709/07/2017$0.0551.52%1.52%$14.36
06/07/201706/07/2017$0.0551.60%1.60%$13.67
03/08/201703/08/2017$0.0551.58%1.58%$13.78
11/30/201611/30/2016$0.0551.63%1.63%$13.41
09/07/201609/07/2016$0.0551.97%1.97%$11.08
06/08/201606/08/2016$0.0551.98%1.98%$11.00
03/09/201603/09/2016$0.0551.92%2.00%$10.91
12/02/201512/02/2015$0.0551.69%1.85%$11.81
09/09/201509/09/2015$0.0551.91%2.18%$10.00
06/10/201506/10/2015$0.0461.81%1.81%$10.05
03/11/201503/11/2015$0.0461.85%1.85%$9.85
12/10/201412/10/2014$0.0461.51%2.01%$9.05
09/17/201409/17/2014$0.0461.12%2.25%$8.09
06/17/201406/17/2014$0.0460.57%2.27%$8.00
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

BOTJ Price

Price to Earnings

Price to Sales

Revenue

Net Income

Revenue vs Net Income

Gross Profit

Operating Income

EBITDA

Operating Cash Flow

Free Cash Flow

Free Cash Flow / Share

Earnings Per Share (EPS)

Return on Equity (ROE)

Return on Assets (ROA)

Net Profit Margin

Gross Profit Margin

Cash & Debt

Shares Outstanding

Stock-Based Comp

FCF vs Stock Based Comp

FCF vs FCF / Share

Revenue: Actual + Estimates

This chart tracks BOTJ revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks BOTJ eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks BOTJ net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks BOTJ ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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