Bank of the James Financial Group, Inc. (BOTJ)

NASDAQ: BOTJ · Real-Time Price · USD

20.72

-0.26 (-1.24%)

At close: Feb 24, 2026, 4:00 PM EST

19.99

-0.73 (-3.52%)

After-hours: Feb 24, 2026, 5:04 PM EST

BOTJ Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	37.25	34.51	31.38	26.18	26.53
Interest Income on Investments	9.4	10.14	7.98	5.68	2.65
Total Interest Income	46.66	44.64	39.36	31.85	29.18
Interest Paid on Deposits	13.23	14.63	8.78	1.29	1.67
Interest Paid on Borrowings	0.62	0.78	0.84	0.86	0.43
Total Interest Expense	13.85	15.41	9.62	2.15	2.1
Net Interest Income	32.81	29.24	29.74	29.7	27.08
Net Interest Income Growth (YoY)	12.21%	-1.70%	0.13%	9.69%	7.69%
Trust Income	5.35	4.84	4.2	3.93	-
Gain (Loss) on Sale of Investments	0.03	0.06	-	-0	-
Other Non-Interest Income	5.63	5.74	4.73	4.06	2.94
Total Non-Interest Income	15.85	15.14	12.87	13.24	11.21
Non-Interest Income Growth (YoY)	4.72%	17.64%	-2.85%	18.15%	2.13%
Revenues Before Loan Losses	48.66	44.37	42.61	42.95	38.29
Provision for Loan Losses	-0.04	-0.66	-0.18	-0.9	-0.5
Revenue	48.69	45.03	42.79	43.85	38.79
Revenue Growth (YoY)	8.14%	5.24%	-2.42%	13.04%	15.53%
Salaries and Employee Benefits	20.96	19.29	18.31	17.68	16.27
Federal Deposit Insurance	0.52	0.44	0.42	0.5	0.55
Amortization of Goodwill & Intangibles	0.56	0.56	0.56	0.56	-
Selling, General & Administrative	12.85	12.3	10.98	10.86	9.8
Other Non-Interest Expense	2.66	2.51	2.2	2.92	2.61
Total Non-Interest Expense	37.55	35.11	32.51	32.74	29.34
EBT Excluding Unusual Items	11.15	9.92	10.28	11.11	9.45
Pretax Income	11.15	9.92	10.28	11.11	9.45
Income Tax Expense	2.12	1.98	1.58	2.15	1.86
Net Income	9.02	7.94	8.7	8.96	7.59
Net Income to Common	9.02	7.94	8.7	8.96	7.59
Net Income Growth	13.57%	-8.73%	-2.85%	18.05%	52.39%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
Shares Change (YoY)	-	-0.42%	-2.89%	-1.05%	-0.58%
EPS (Basic)	1.99	1.75	1.91	1.91	1.60
EPS (Diluted)	1.99	1.75	1.91	1.91	1.60
EPS Growth	13.57%	-8.35%	0.04%	19.30%	53.69%
Dividend Per Share	-	0.400	0.340	0.290	0.274
Dividend Growth	-	17.65%	17.24%	5.84%	7.66%
Effective Tax Rate	19.05%	19.94%	15.32%	19.36%	19.70%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q