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

BOTJ Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	31.16	29.24	29.74	29.7	27.08	25.15
Net Interest Income Growth	8.23%	-1.70%	0.13%	9.69%	7.69%	2.42%
Non-Interest Income	14.04	15.14	12.87	13.24	11.21	10.98
Non-Interest Income Growth	2.47%	17.64%	-2.85%	18.15%	2.13%	52.69%
Revenues Before Loan Losses	45.21	44.37	42.61	42.95	38.29	36.12
Provision for Credit Losses	-0.37	-0.66	-0.18	-0.9	-0.5	2.55
Revenue	45.58	45.03	42.79	43.85	38.79	33.57
Revenue Growth (YoY)	5.41%	5.24%	-2.42%	13.04%	15.53%	7.55%
Compensation Expenses	20.09	19.29	18.31	17.68	16.38	15.43
Selling, General & Admin	9.26	12.3	10.98	10.86	9.7	8.83
Other Non-Interest Expenses	3.7	3.51	3.22	4.19	3.26	3.14
Total Non-Interest Expense	37.56	35.11	32.51	32.74	29.34	27.39
Pretax Income	8.97	9.92	10.28	11.11	9.45	6.18
Provision for Income Taxes	1.82	1.98	1.58	2.15	1.86	1.2
Net Income	7.16	7.94	8.7	8.96	7.59	4.98
Net Income to Common	7.16	7.94	8.7	8.96	7.59	4.98
Net Income Growth	-16.03%	-8.73%	-2.85%	18.05%	52.39%	-11.15%
Shares Outstanding (Basic)	5	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5	5
Shares Change (YoY)	0.01%	-0.42%	-2.89%	-1.05%	-0.58%	-0.91%
EPS (Basic)	1.59	1.75	1.91	1.91	1.60	1.04
EPS (Diluted)	1.59	1.75	1.91	1.91	1.60	1.04
EPS Growth	-14.97%	-8.38%	-	19.38%	53.85%	-10.63%
Free Cash Flow	11.27	8.51	9.49	9.31	16.35	5.2
Free Cash Flow Growth	32.47%	-10.36%	1.93%	-43.04%	214.46%	-7.03%
Free Cash Flow Per Share	2.48	1.87	2.08	1.98	3.44	1.09
Dividends Per Share	0.400	0.400	0.340	0.290	0.274	0.255
Dividend Growth	-	17.65%	17.24%	5.84%	7.66%	11.97%
Profit Margin	15.70%	17.64%	20.34%	20.43%	19.57%	14.83%
FCF Margin	24.73%	18.90%	22.18%	21.24%	42.15%	15.49%
EBITDA	1.91	1.94	1.97	2.61	2.06	2.03
EBITDA Margin	4.19%	4.30%	4.60%	5.95%	5.31%	6.04%
Effective Tax Rate	20.25%	19.94%	15.32%	19.36%	19.70%	19.40%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q