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

BOTJ Income Statement

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

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Revenue	43.05	42.79	43.85	38.79	33.57	31.22
Revenue Growth (YoY)	-2.32%	-2.42%	13.04%	15.53%	7.55%	12.72%
Gross Profit	43.05	42.79	43.85	38.79	33.57	31.22
Selling, General & Admin	29.43	29.29	28.55	26.08	24.26	21.75
Other Operating Expenses	3.57	3.22	4.19	3.26	3.14	2.53
Operating Expenses	33	32.51	32.74	29.34	27.39	24.28
Operating Income	10.05	10.28	11.11	9.45	6.18	6.93
Other Expense / Income	-0.48	-	-	-	-	-
Pretax Income	10.53	10.28	11.11	9.45	6.18	6.93
Income Tax	1.62	1.58	2.15	1.86	1.2	1.33
Net Income	8.91	8.7	8.96	7.59	4.98	5.61
Net Income Growth	1.17%	-2.85%	18.05%	52.39%	-11.15%	5.71%
Shares Outstanding (Basic)	5	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5	5
Shares Change	-1.63%	-2.89%	-1.05%	-0.58%	-0.91%	0.07%
EPS (Basic)	1.97	1.91	1.91	1.60	1.04	1.16
EPS (Diluted)	1.97	1.91	1.91	1.60	1.04	1.16
EPS Growth	4.23%	0%	19.37%	53.85%	-10.65%	5.82%
Free Cash Flow	1.58	7.92	8.15	13.44	3.45	1.19
Free Cash Flow Per Share	0.35	1.74	1.74	2.83	0.72	0.25
Dividend Per Share	0.340	0.320	0.290	0.267	0.255	0.255
Dividend Growth	13.33%	10.34%	8.61%	4.71%	0%	16.97%
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	23.34%	24.02%	25.34%	24.37%	18.40%	22.21%
Profit Margin	20.69%	20.34%	20.43%	19.57%	14.83%	17.95%
Free Cash Flow Margin	3.66%	18.51%	18.59%	34.65%	10.27%	3.82%
Effective Tax Rate	15.41%	15.32%	19.36%	19.70%	19.40%	19.17%
EBITDA	12.35	12.25	13.72	11.51	8.21	8.6
EBITDA Margin	28.69%	28.62%	31.29%	29.67%	24.45%	27.55%
Depreciation & Amortization	1.82	1.97	2.61	2.06	2.03	1.67
EBIT	10.53	10.28	11.11	9.45	6.18	6.93
EBIT Margin	24.46%	24.02%	25.34%	24.37%	18.40%	22.21%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).