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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.33M | $1.38M | $1.41M | $2.05M | $2.06M | $2.03M |
| Operating Income | $11.14M | $9.92M | $10.28M | $11.11M | $6.18M | $6.18M |
| Interest Expense | - | - | $9.62M | $2.15M | $2.10M | $4.54M |
| Income Tax | $2.12M | $1.98M | $1.57M | $2.15M | $1.86M | $1.20M |
| Net Income | $9.02M | $7.94M | $8.70M | $8.96M | $7.59M | $4.98M |
| EPS - Basic | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 | $1.05 |
| EPS - Diluted | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 | $1.05 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $84.47M | $73.31M | $74.84M | $61.76M | $183.15M | $100.89M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.04B | $979.24M | $969.37M | $928.57M | $987.63M | $851.39M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $958.98M | $914.38M | $909.33M | $878.35M | $918.21M | $784.65M |
| Stockholders' Equity | $80.05M | $64.86M | $60.04M | $50.23M | $69.43M | $66.73M |
| Retained Earnings | $50.01M | $42.80M | $36.68M | $31.03M | $23.44M | $24.66M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $11.66M | $8.51M | $9.49M | $9.31M | $15.79M | $5.20M |
| Investing Cash Flow | ($42.40M) | ($11.17M) | ($23.34M) | ($88.13M) | ($64.46M) | ($62.05M) |
| Financing Cash Flow | $41.90M | $1.14M | $26.92M | ($42.57M) | $130.95M | $118.63M |
| CapEx | $1.17M | $2.55M | $1.57M | $1.19M | $2.91M | $1.75M |
| Free Cash Flow | $10.49M | $5.96M | $7.92M | $8.12M | $12.88M | $3.45M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.16 | 0.75 | 0.91 | 0.91 | 1.70 | 0.69 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 19.0% | 19.9% | 15.3% | 19.4% | 19.7% | 19.4% |
| Return on assets | 0.9% | 0.8% | 0.9% | 1.0% | 0.8% | 0.6% |
| Return on equity | 11.3% | 12.2% | 14.5% | 17.8% | 10.9% | 7.5% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 1.1x | 5.2x | 2.9x | 1.4x |
| Equity multiplier | 12.98 | 15.10 | 16.15 | 18.49 | 14.23 | 12.76 |
| Liabilities / Assets | 0.92 | 0.93 | 0.94 | 0.95 | 0.93 | 0.92 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 9.3x | 9.1x | 6.4x | 6.2x | 9.7x | 10.5x |
| P / B | 1.1x | 1.1x | 0.9x | 1.1x | 1.1x | 0.7x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | -0.0x | -0.1x | -1.6x | -0.4x | -13.3x | -6.5x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 12.3% | -3.5% | -7.5% | 79.8% | 0.0% | -10.9% |
| Net income growth (YoY) | 13.6% | -8.7% | -2.8% | 18.1% | 52.4% | -11.2% |
| EPS growth (YoY) | 13.7% | -8.4% | 0.0% | 19.4% | 53.0% | -18.3% |
| EPS CAGR (3y) | 1.4% | 3.0% | 22.2% | 14.3% | 9.8% | 16.0% |
| EPS CAGR (5y) | 13.7% | 6.5% | 9.6% | 23.3% | 16.4% | -0.5% |
| FCF growth (YoY) | 76.1% | -24.7% | -2.5% | -36.9% | 273.4% | 188.8% |
| FCF CAGR (5y) | 24.9% | 37.9% | 4.8% | 56.5% | 64.2% | 13.4% |
| Book value growth (YoY) | 23.4% | 8.0% | 19.5% | -27.7% | 4.0% | 8.6% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |