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

NASDAQ: BOTJ · Real-Time Price · USD

23.50

+0.57 (2.49%)

At close: May 4, 2026, 4:00 PM EDT

23.60

+0.10 (0.43%)

After-hours: May 4, 2026, 4:28 PM EDT

BOTJ Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Net Interest Income	33.82	32.81	29.24	29.74	29.7	27.08
Net Interest Income Growth	12.72%	12.21%	-1.70%	0.13%	9.69%	7.69%
Non-Interest Income	16.26	15.85	15.14	12.87	13.24	11.21
Non-Interest Income Growth	12.00%	4.72%	17.64%	-2.85%	18.15%	2.13%
Revenues Before Loan Losses	50.08	48.66	44.37	42.61	42.95	38.29
Provision for Credit Losses	-0.32	-0.04	-0.66	-0.18	-0.9	-0.5
Revenue	50.39	48.69	45.03	42.79	43.85	38.79
Revenue Growth (YoY)	13.29%	8.14%	5.24%	-2.42%	13.04%	15.53%
Compensation Expenses	21.68	20.96	19.29	18.31	17.68	16.38
Selling, General & Admin	11.69	12.85	12.3	10.98	10.86	9.7
Other Non-Interest Expenses	3.72	3.74	3.51	3.22	4.19	3.26
Total Non-Interest Expense	37.09	37.55	35.11	32.51	32.74	29.34
Pretax Income	13.58	11.15	9.92	10.28	11.11	9.45
Provision for Income Taxes	2.63	2.12	1.98	1.58	2.15	1.86
Net Income	10.95	9.02	7.94	8.7	8.96	7.59
Net Income to Common	10.95	9.02	7.94	8.7	8.96	7.59
Net Income Growth	66.00%	13.57%	-8.73%	-2.85%	18.05%	52.39%
Shares Outstanding (Basic)	5	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5	5
Shares Change (YoY)	-	-	-0.42%	-2.89%	-1.05%	-0.58%
EPS (Basic)	2.42	1.99	1.75	1.91	1.91	1.60
EPS (Diluted)	2.42	1.99	1.75	1.91	1.91	1.60
EPS Growth	65.75%	13.71%	-8.38%	-	19.38%	53.85%
Shares Outstanding	4.54	4.54	4.54	4.54	4.63	4.74
Free Cash Flow	-	10.5	5.96	7.92	8.12	13.44
Free Cash Flow Growth	-	76.12%	-24.74%	-2.50%	-39.58%	289.79%
Free Cash Flow Per Share	-	2.31	1.31	1.74	1.73	2.83
Dividends Per Share	0.310	0.410	0.400	0.340	0.290	0.274
Dividend Growth	-24.39%	2.50%	17.65%	17.24%	5.84%	7.66%
Profit Margin	21.73%	18.53%	17.64%	20.34%	20.43%	19.57%
FCF Margin	-	21.55%	13.23%	18.51%	18.52%	34.65%
EBITDA	-	1.89	1.94	1.97	2.61	2.06
EBITDA Margin	-	3.88%	4.30%	4.60%	5.95%	5.31%
Effective Tax Rate	19.37%	19.05%	19.94%	15.32%	19.36%	19.70%

Updated Apr 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q