CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · BOTJ

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income1.160.750.910.911.700.69
R&D / Revenue------
SG&A / Revenue------
Effective tax rate19.0%19.9%15.3%19.4%19.7%19.4%
Return on assets0.9%0.8%0.9%1.0%0.8%0.6%
Return on equity11.3%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--1.1x5.2x2.9x1.4x
Equity multiplier12.9815.1016.1518.4914.2312.76
Liabilities / Assets0.920.930.940.950.930.92
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E9.3x9.1x6.4x6.2x9.7x10.5x
P / B1.1x1.1x0.9x1.1x1.1x0.7x
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

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
SBSI--8.2%
CBSH--14.9%
BUSE$719.58M18.8%5.5%

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-datePer 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