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

BOTJ Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	32.81	29.24	29.74	29.7	27.08
Net Interest Income Growth	12.21%	-1.70%	0.13%	9.69%	7.69%
Non-Interest Income	15.85	15.14	12.87	13.24	11.21
Non-Interest Income Growth	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 Credit 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%
Compensation Expenses	20.96	19.29	18.31	17.68	16.38
Selling, General & Admin	12.85	12.3	10.98	10.86	9.7
Other Non-Interest Expenses	3.74	3.51	3.22	4.19	3.26
Total Non-Interest Expense	37.55	35.11	32.51	32.74	29.34
Pretax Income	11.15	9.92	10.28	11.11	9.45
Provision for Income Taxes	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%
Shares Outstanding (Basic)	5	5	5	5	5
Shares Outstanding (Diluted)	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	13.71%	-8.38%	-	19.38%	53.85%
Free Cash Flow	-0.04	5.96	7.92	8.12	13.44
Free Cash Flow Growth	-	-24.74%	-2.50%	-39.58%	289.79%
Free Cash Flow Per Share	-0.01	1.31	1.74	1.73	2.83
Dividends Per Share	-	0.400	0.340	0.290	0.274
Dividend Growth	-	17.65%	17.24%	5.84%	7.66%
Profit Margin	18.53%	17.64%	20.34%	20.43%	19.57%
FCF Margin	-0.07%	13.23%	18.51%	18.52%	34.65%
EBITDA	0	1.94	1.97	2.61	2.06
EBITDA Margin	0.00%	4.30%	4.60%	5.95%	5.31%
Effective Tax Rate	19.05%	19.94%	15.32%	19.36%	19.70%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q