BOTJ · Bank of the James Financial Group Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $346.0K | - | - | - | $324.0K | - | - | - | $344.0K | - |
| Operating Income | $3.48M | - | $3.22M | $3.40M | $1.04M | - | $2.46M | $2.67M | $2.72M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $3.56M | - |
| Income Tax | $705.0K | - | $466.0K | $694.0K | $197.0K | - | $474.0K | $518.0K | $535.0K | - |
| Net Income | $2.77M | - | $2.75M | $2.70M | $842.0K | - | $1.99M | $2.15M | $2.19M | - |
| EPS - Basic | $0.61 | - | $0.61 | $0.60 | $0.19 | - | $0.44 | $0.47 | $0.48 | - |
| EPS - Diluted | $0.61 | - | $0.61 | $0.60 | $0.19 | - | $0.44 | $0.47 | $0.48 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $87.99M | $84.47M | $85.45M | $77.91M | $94.97M | $73.31M | $109.21M | $74.63M | $88.07M | $74.84M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.06B | $1.04B | $1.02B | $1.00B | $1.01B | $979.24M | $1.01B | $978.01M | $984.89M | $969.37M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $979.90M | $958.98M | $943.15M | $932.58M | $943.38M | $914.38M | $939.23M | $916.30M | $924.45M | $909.33M |
| Stockholders' Equity | $81.28M | $80.05M | $76.97M | $71.67M | $68.35M | $64.86M | $68.83M | $61.71M | $60.44M | $60.04M |
| Retained Earnings | $52.33M | $50.01M | $47.74M | $45.44M | $43.19M | $42.80M | $41.64M | $40.10M | $38.41M | $36.68M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4.74M | - | - | - | $763.0K | - | - | - | ($1.23M) | - |
| Investing Cash Flow | ($20.01M) | - | - | - | ($7.67M) | - | - | - | $124.0K | - |
| Financing Cash Flow | $18.79M | - | - | - | $28.56M | - | - | - | $14.34M | - |
| CapEx | $382.0K | - | - | - | $622.0K | - | - | - | $479.0K | - |
| Free Cash Flow | $4.36M | - | - | - | $141.0K | - | - | - | ($1.71M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.57 | - | - | - | 0.17 | - | - | - | -0.78 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.3% | - | 14.5% | 20.4% | 19.0% | - | 19.2% | 19.4% | 19.7% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.1% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 3.4% | - | 3.6% | 3.8% | 1.2% | - | 2.9% | 3.5% | 3.6% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.8x | - |
| Equity multiplier | 13.06 | 12.98 | 13.25 | 14.01 | 14.80 | 15.10 | 14.64 | 15.85 | 16.30 | 16.15 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.93 | 0.93 | 0.93 | 0.93 | 0.94 | 0.94 | 0.94 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 33.8x | - | 25.6x | 23.4x | 77.8x | - | 31.2x | 24.0x | 21.6x | - |
| P / B | 1.2x | - | 0.9x | 0.9x | 1.0x | - | 0.9x | 0.8x | 0.8x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 1.5x | - | - | - | -20.4x | - | - | - | -13.4x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 234.8% | - | 30.6% | 27.5% | -61.8% | - | -4.8% | -15.8% | 10.2% | - |
| Net income growth (YoY) | 229.5% | - | 38.3% | 25.9% | -61.5% | - | -4.2% | -15.2% | 10.2% | - |
| EPS growth (YoY) | 221.1% | - | 38.6% | 27.7% | -60.4% | - | -4.3% | -16.1% | 11.6% | - |
| EPS CAGR (3y) | 12.4% | - | 15.1% | 7.7% | -25.0% | - | - | - | 4.6% | - |
| EPS CAGR (5y) | 7.7% | - | 12.4% | 25.9% | -3.7% | - | 5.3% | 8.7% | 11.4% | - |
| FCF growth (YoY) | 2990.1% | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | -4.7% | - | - | - | 34.5% | - | - | - | - | - |
| Book value growth (YoY) | 18.9% | 23.4% | 11.8% | 16.1% | 13.1% | 8.0% | 37.3% | 17.0% | 16.2% | 19.5% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing BANK OF THE JAMES FINANCIAL GROUP INC against the 5 most active filers in the same SIC group.
Dividends
$0.50/share trailing 12 months · +25.0% YoY
| Ex-date | Per share |
|---|---|
| May 22, 2026 | $0.1000 |
| Feb 17, 2026 | $0.1000 |
| Nov 21, 2025 | $0.1000 |
| Sep 12, 2025 | $0.1000 |
| Jun 6, 2025 | $0.1000 |
| Mar 7, 2025 | $0.1000 |
| Nov 22, 2024 | $0.1000 |
| Sep 6, 2024 | $0.1000 |
| Jun 7, 2024 | $0.1000 |
| Feb 29, 2024 | $0.1000 |
| Nov 22, 2023 | $0.0800 |
| Aug 31, 2023 | $0.0800 |
| Jun 1, 2023 | $0.0800 |
| Mar 2, 2023 | $0.0800 |
| Nov 23, 2022 | $0.0800 |
| Sep 1, 2022 | $0.0700 |
| Jun 2, 2022 | $0.0700 |
| Mar 3, 2022 | $0.0700 |
| Nov 24, 2021 | $0.0700 |
| Sep 2, 2021 | $0.0700 |
| Jun 3, 2021 | $0.0636 |
| Mar 4, 2021 | $0.0636 |
| Nov 25, 2020 | $0.0636 |
| Sep 3, 2020 | $0.0636 |