Is Bank of the James Financial Group, Inc. BOTJ stock halal to invest in?

No, as of August 2026, Bank of the James Financial Group, Inc. stock (BOTJ) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. Bank of the James Financial Group, Inc. currently does not meet the threshold for the non-permissible income screen. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of Bank of the James Financial Group, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is Bank of the James Financial Group, Inc. BOTJ reviewed for Shariah compliance?

Tabadulat reviews Bank of the James Financial Group, Inc. BOTJ for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for Bank of the James Financial Group, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does Bank of the James Financial Group, Inc. BOTJ pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, Bank of the James Financial Group, Inc. stock (BOTJ) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. Bank of the James Financial Group, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does Bank of the James Financial Group, Inc. BOTJ pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, Bank of the James Financial Group, Inc. stock (BOTJ) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). Bank of the James Financial Group, Inc.'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does Bank of the James Financial Group, Inc. BOTJ pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, Bank of the James Financial Group, Inc. stock (BOTJ) passes the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. This cap limits shareholders' exposure to interest-based leverage. Bank of the James Financial Group, Inc.'s interest-bearing debt is currently within the 30% threshold. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for Bank of the James Financial Group, Inc. BOTJ stock?

Bank of the James Financial Group, Inc. (BOTJ) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If Bank of the James Financial Group, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does Bank of the James Financial Group, Inc. BOTJ pass the AAOIFI Preference Share screen?

Yes, as of August 2026, Bank of the James Financial Group, Inc. stock (BOTJ) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. Bank of the James Financial Group, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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Bank of the James Financial Group, Inc.

NASDAQ

Shariah-Compliant

Not Shariah

BOTJ

About

Bank of the James Financial Group, Inc.

BOTJ

Bank of the James Financial Group, Inc. operates as a bank holding company in the financial sector, primarily providing banking and related financial services. The bank focuses on serving individual clients, businesses, and professionals within its local communities, predominantly in Virginia. It offers traditional banking services including personal and commercial checking accounts, savings accounts, money market accounts, and certificates of deposit. Beyond deposit services, the institution provides commercial, personal, and mortgage loans tailored to its clientele. Bank of the James also engages in investment management, offering clients strategic financial planning and asset management solutions. By prioritizing regional market needs, it establishes long-term customer relationships and contributes to local economic development. Its role in the financial market is significant for the local communities it serves, acting as a financial catalyst for regional growth and stability. The bank's localized approach ensures tailored financial solutions, fostering a robust financial ecosystem within its operational footprint.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

162

Website:

https://www.bankofthejames.bank

BOTJ

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Bank of the James Financial Group, Inc.

About

Bank of the James Financial Group, Inc.

BOTJ

Frequently asked questions

Is Bank of the James Financial Group, Inc. BOTJ stock halal to invest in?

How often is Bank of the James Financial Group, Inc. BOTJ reviewed for Shariah compliance?

Does Bank of the James Financial Group, Inc. BOTJ pass the AAOIFI Non Permissible Income criteria?

Does Bank of the James Financial Group, Inc. BOTJ pass the AAOIFI Interest Bearing Investments criteria?

Does Bank of the James Financial Group, Inc. BOTJ pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for Bank of the James Financial Group, Inc. BOTJ stock?

Does Bank of the James Financial Group, Inc. BOTJ pass the AAOIFI Preference Share screen?

Can I buy Bank of the James Financial (BOTJ) stock on Tabadulat?

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