Basis: FMP quote price / unrounded diluted EPS from four consecutive issuer fiscal quarters. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the P/E ratio high or low?
The P/E ratio of 10.78 is 35% above its 5-year average of 8.01, near the high end of its 5-year range (4.58–11.96).
As of 2026-10-06T20:35:47.166Z. 0.77% above its 12-month average of 10.70.
Calculation as of: 2026-10-06T20:35:47.166Z.
Quote observation: 2026-10-06T20:00:00.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: a6f0acb21d4e082feff75eb19d8e4c2d43afb2bf1ce09927bb2dbbfed616a9ff
PE Ratio (10.78) = Close Price ($27.27) / Diluted TTM EPS ($2.53)
PE RATIO
10.78
PE RATIO AVG TTM
10.70
PE RATIO AVG 3Y
8.37
PE RATIO AVG 5Y
8.01
PE RATIO AVG 10Y
10.76
PE RATIO AVG 15Y
10.52
PE RATIO AVG 20Y
12.89
CURRENT VS TTM AVG
+0.77%
CURRENT VS 3Y AVG
+28.83%
CURRENT VS 5Y AVG
+34.65%
CURRENT VS 10Y AVG
+0.15%
CURRENT VS 15Y AVG
+2.47%
CURRENT VS 20Y AVG
-16.36%
SECTOR MEDIAN · FINANCIAL SERVICES
13.79
median of 554 covered companies
CURRENT VS SECTOR MEDIAN
-21.80%
vs the sector median at left
Bank of the James Financial Group, Inc.
Market Cap
$123.90M
PE Ratio
10.78
TTM Avg
10.70
3Y Avg
8.37
5Y Avg
8.01
Market Cap
$123.69M
PE Ratio
542.48
TTM Avg
539.86
3Y Avg
539.86
5Y Avg
539.86
Market Cap
$121.19M
PE Ratio
121.54
TTM Avg
334.93
3Y Avg
334.93
5Y Avg
334.93
Market Cap
$119.96M
PE Ratio
46.14
TTM Avg
49.23
3Y Avg
55.04
5Y Avg
55.04
| NAME | MARKET CAP | PE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Bank of the James Financial Group, Inc. (BOTJ) | $123.90M | 10.78 | 10.70 | 8.37 | 8.01 |
| Hoyne Bancorp, Inc. Common Stock (HYNE)vs › | $123.69M | 542.48 | 539.86 | 539.86 | 539.86 |
| Magyar Bancorp, Inc. (MGYR)vs › | $125.18M | 10.36 | 10.46 | 10.33 | 10.58 |
| MMTec, Inc. (MTC)vs › | $126.19M | N/A | N/A | N/A | N/A |
| NMP Acquisition Corp. (NMP)vs › | $126.47M | 37.10 | 110.79 | 110.79 | 110.79 |
| Cantor Equity Partners VI, Inc. Class A Ordinary Shares (CEPS)vs › | $121.19M | 121.54 | 334.93 | 334.93 | 334.93 |
| FortuneX Acquisition Corp (FXAC)vs › | $127.46M | N/A | N/A | N/A | N/A |
| Futurewave Acquisition Corp. (FWAC)vs › | $127.75M | N/A | N/A | N/A | N/A |
| Pantages Capital Acquisition Corp (PGAC)vs › | $119.96M | 46.14 | 49.23 | 55.04 | 55.04 |
| Silver Pegasus Acquisition Corp. (SPEG)vs › | $119.94M | 145.67 | 4795.25 | 4795.25 | 4795.25 |
At 10.8, P/E is near its 20-year median — higher than 44% of readings in its 20-year history.
20-year low
4.6
median
11.3
20-year high
371.3
Trailing P/E
10.8
Forward P/E
N/A
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | PE RATIO |
|---|---|
| 2026-10-05 | 10.81 |
| 2026-10-02 | 10.79 |
| 2026-10-01 | 10.75 |
| 2026-09-30 | 10.60 |
| 2026-09-29 | 10.69 |
| 2026-09-28 | 10.75 |
| 2026-09-25 | 10.57 |
| 2026-09-24 | 10.55 |
| 2026-09-23 | 10.47 |
| 2026-09-22 | 10.55 |
| 2026-09-21 | 10.65 |
| 2026-09-18 | 10.77 |
| 2026-09-17 | 10.79 |
| 2026-09-16 | 10.77 |
| 2026-09-15 | 10.83 |
| 2026-09-14 | 10.89 |
| 2026-09-11 | 10.86 |
| 2026-09-10 | 11.03 |
| 2026-09-09 | 11.01 |
| 2026-09-08 | 11.13 |
| 2026-09-04 | 10.91 |
| 2026-09-03 | 10.87 |
| 2026-09-02 | 10.67 |
| 2026-09-01 | 10.53 |
| 2026-08-31 | 10.69 |
| 2026-08-28 | 10.68 |
| 2026-08-27 | 10.62 |
| 2026-08-26 | 10.56 |
| 2026-08-25 | 10.59 |
| 2026-08-24 | 10.68 |
| 2026-08-21 | 10.70 |
| 2026-08-20 | 10.73 |
| 2026-08-19 | 10.73 |
| 2026-08-18 | 10.87 |
| 2026-08-17 | 10.96 |
| 2026-08-14 | 10.98 |
| 2026-08-13 | 10.97 |
| 2026-08-12 | 11.37 |
| 2026-08-11 | 11.29 |
| 2026-08-10 | 11.17 |
| 2026-08-07 | 11.26 |
| 2026-08-06 | 11.19 |
| 2026-08-05 | 11.20 |
| 2026-08-04 | 11.20 |
| 2026-08-03 | 11.22 |
| 2026-07-31 | 11.17 |
| 2026-07-30 | 11.41 |
| 2026-07-29 | 11.48 |
| 2026-07-28 | 11.47 |
| 2026-07-27 | 11.16 |
| 2026-07-24 | 11.13 |
| 2026-07-23 | 10.97 |
| 2026-07-22 | 10.95 |
| 2026-07-21 | 10.99 |
| 2026-07-20 | 11.04 |
| 2026-07-17 | 11.03 |
| 2026-07-16 | 11.10 |
| 2026-07-15 | 10.83 |
| 2026-07-14 | 10.78 |
| 2026-07-13 | 10.79 |
| 2026-07-10 | 10.54 |
| 2026-07-09 | 10.50 |
| 2026-07-08 | 10.42 |
| 2026-07-07 | 10.43 |
| 2026-07-06 | 10.51 |
| 2026-07-02 | 10.59 |
| 2026-07-01 | 10.71 |
| 2026-06-30 | 10.55 |
| 2026-06-29 | 10.21 |
| 2026-06-26 | 10.13 |
| 2026-06-25 | 10.10 |
| 2026-06-24 | 10.14 |
| 2026-06-23 | 10.14 |
| 2026-06-22 | 10.08 |
| 2026-06-18 | 10.14 |
| 2026-06-17 | 9.96 |
| 2026-06-16 | 10.00 |
| 2026-06-15 | 10.17 |
| 2026-06-12 | 10.23 |
| 2026-06-11 | 10.24 |
| 2026-06-10 | 10.21 |
| 2026-06-09 | 10.33 |
| 2026-06-08 | 10.03 |
| 2026-06-05 | 9.48 |
| 2026-06-04 | 9.48 |
| 2026-06-03 | 9.33 |
| 2026-06-02 | 9.37 |
| 2026-06-01 | 9.36 |
| 2026-05-29 | 9.48 |
| 2026-05-28 | 9.45 |
| 2026-05-27 | 9.49 |
| 2026-05-26 | 9.44 |
| 2026-05-22 | 9.40 |
| 2026-05-21 | 9.46 |
| 2026-05-20 | 9.48 |
| 2026-05-19 | 9.40 |
| 2026-05-18 | 9.45 |
| 2026-05-15 | 9.45 |
| 2026-05-14 | 9.48 |
| 2026-05-13 | 9.51 |
| 2026-05-12 | 11.70 |
| 2026-05-11 | 11.63 |
| 2026-05-08 | 11.67 |
| 2026-05-07 | 11.61 |
| 2026-05-06 | 11.56 |
| 2026-05-05 | 11.70 |
| 2026-05-04 | 11.75 |
| 2026-05-01 | 11.47 |
| 2026-04-30 | 11.48 |
| 2026-04-29 | 11.45 |
| 2026-04-28 | 11.59 |
| 2026-04-27 | 11.60 |
| 2026-04-24 | 11.65 |
| 2026-04-23 | 11.63 |
| 2026-04-22 | 11.60 |
| 2026-04-21 | 11.60 |
| 2026-04-20 | 11.68 |
| 2026-04-17 | 11.56 |
| 2026-04-16 | 11.31 |
| 2026-04-15 | 11.16 |
| 2026-04-14 | 11.06 |
| 2026-04-13 | 10.88 |
| 2026-04-10 | 11.12 |
| 2026-04-09 | 11.39 |
| 2026-04-08 | 11.15 |
| 2026-04-07 | 10.65 |
| 2026-04-06 | 10.53 |
| 2026-04-02 | 10.55 |
| 2026-04-01 | 10.35 |
| 2026-03-31 | 10.30 |
| 2026-03-30 | 10.35 |
| 2026-03-27 | 11.70 |
| 2026-03-26 | 11.76 |
| 2026-03-25 | 11.89 |
| 2026-03-24 | 11.89 |
| 2026-03-23 | 11.91 |
| 2026-03-20 | 11.38 |
| 2026-03-19 | 11.93 |
| 2026-03-18 | 11.96 |
| 2026-03-17 | 11.94 |
| 2026-03-16 | 11.94 |
| 2026-03-13 | 11.90 |
| 2026-03-12 | 11.33 |
| 2026-03-11 | 11.36 |
| 2026-03-10 | 11.28 |
| 2026-03-09 | 11.26 |
| 2026-03-06 | 11.35 |
| 2026-03-05 | 11.28 |
| 2026-03-04 | 11.30 |
| 2026-03-03 | 10.87 |
| 2026-03-02 | 10.91 |
| 2026-02-27 | 11.32 |
| 2026-02-26 | 11.73 |
| 2026-02-25 | 11.76 |
| 2026-02-24 | 11.77 |
| 2026-02-23 | 11.92 |
| 2026-02-20 | 11.88 |
| 2026-02-19 | 11.88 |
| 2026-02-18 | 11.80 |
| 2026-02-17 | 11.65 |
| 2026-02-13 | 11.78 |
| 2026-02-12 | 11.69 |
| 2026-02-11 | 11.38 |
| 2026-02-10 | 11.54 |
| 2026-02-09 | 11.71 |
| 2026-02-06 | 11.62 |
| 2026-02-05 | 11.93 |
| 2026-02-04 | 11.63 |
| 2026-02-03 | 11.38 |
| 2026-02-02 | 11.36 |
| 2026-01-30 | 10.74 |
| 2026-01-29 | 10.74 |
| 2026-01-28 | 10.63 |
| 2026-01-27 | 10.53 |
| 2026-01-26 | 10.43 |
| 2026-01-23 | 10.30 |
| 2026-01-22 | 10.28 |
| 2026-01-21 | 10.28 |
| 2026-01-20 | 10.33 |
| 2026-01-16 | 10.43 |
| 2026-01-15 | 10.45 |
| 2026-01-14 | 10.55 |
| 2026-01-13 | 10.43 |
| 2026-01-12 | 10.28 |
| 2026-01-09 | 10.28 |
| 2026-01-08 | 10.35 |
| 2026-01-07 | 10.38 |
| 2026-01-06 | 10.45 |
| 2026-01-05 | 10.56 |
| 2026-01-02 | 10.53 |
| 2025-12-31 | 10.56 |
| 2025-12-30 | 10.37 |
| 2025-12-29 | 10.52 |
| 2025-12-26 | 10.35 |
| 2025-12-24 | 10.61 |
| 2025-12-23 | 10.40 |
| 2025-12-22 | 10.30 |
| 2025-12-19 | 10.23 |
| 2025-12-18 | 10.63 |
| 2025-12-17 | 10.64 |
| 2025-12-16 | 10.53 |
| 2025-12-15 | 10.51 |
| 2025-12-12 | 10.23 |
| 2025-12-11 | 10.43 |
| 2025-12-10 | 10.19 |
| 2025-12-09 | 10.14 |
| 2025-12-08 | 10.17 |
| 2025-12-05 | 10.11 |
| 2025-12-04 | 10.07 |
| 2025-12-03 | 10.07 |
| 2025-12-02 | 10.01 |
| 2025-12-01 | 10.25 |
| 2025-11-28 | 10.23 |
| 2025-11-26 | 9.66 |
| 2025-11-25 | 9.89 |
| 2025-11-24 | 9.89 |
| 2025-11-21 | 10.10 |
| 2025-11-20 | 10.00 |
| 2025-11-19 | 9.70 |
| 2025-11-18 | 9.65 |
| 2025-11-17 | 9.49 |
| 2025-11-14 | 10.57 |
| 2025-11-13 | 10.69 |
| 2025-11-12 | 10.55 |
| 2025-11-11 | 10.82 |
| 2025-11-10 | 10.68 |
| 2025-11-07 | 10.67 |
| 2025-11-06 | 10.63 |
| 2025-11-05 | 10.66 |
| 2025-11-04 | 10.39 |
| 2025-11-03 | 10.69 |
| 2025-10-31 | 10.72 |
| 2025-10-30 | 10.21 |
| 2025-10-29 | 10.21 |
| 2025-10-28 | 10.21 |
| 2025-10-27 | 10.22 |
| 2025-10-24 | 10.00 |
| 2025-10-23 | 9.93 |
| 2025-10-22 | 9.93 |
| 2025-10-21 | 9.99 |
| 2025-10-20 | 9.96 |
| 2025-10-17 | 9.91 |
| 2025-10-16 | 9.72 |
| 2025-10-15 | 9.94 |
| 2025-10-14 | 9.90 |
| 2025-10-13 | 9.85 |
| 2025-10-10 | 9.91 |
| 2025-10-09 | 9.95 |
| 2025-10-08 | 9.97 |
| 2025-10-07 | 9.90 |
| 2025-10-06 | 9.90 |
| 2025-10-03 | 9.84 |
| 2025-10-02 | 9.74 |
| 2025-10-01 | 9.81 |
| 2025-09-30 | 9.81 |
| 2025-09-29 | 9.89 |
| 2025-09-26 | 9.90 |
| 2025-09-25 | 9.79 |
| 2025-09-24 | 9.67 |
| 2025-09-23 | 9.69 |
Showing the most recent 260 of 4,715 data points. The chart above shows the full history.