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Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
23.76
+0.09 (0.38%)
At close: Oct 30, 2026, 4:00 PM EDT
23.54
-0.22 (-0.93%)
After-hours: Oct 30, 2026, 7:30 PM EDT

BOTJ Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
52.6948.6945.0342.7943.8538.79
Revenue Growth
10.53%8.14%5.24%-2.42%13.04%15.53%
Net Income
12.069.027.948.78.967.59
Earnings Per Share
2.651.991.751.911.911.60
EPS Growth
51.85%13.57%-8.35%0.04%19.30%53.69%

Revenue by Segment
Chart
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Holding Company
9.087.888.44--
Investment Advisory
5.334.844.23.93-
Eliminations
-9.9-8.83-9.36--
Mortgage Banking
4.854.493.945.268.27
Community Banking
39.2635.3435.2234.6630.52
Total
48.6243.7242.4343.8538.79

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
61.7684.5773.3174.8461.76183.15
Total Debt
8.6112.1523.2824.1525.1426.09
Net Cash (Debt)
53.1572.4250.0350.6936.62157.07
Net Cash Growth
-30.63%44.75%-1.30%38.43%-76.69%83.97%
Net Cash Per Share
11.7015.9411.0111.117.7933.08

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-11.668.519.499.3116.35
Capital Expenditures
--1.17-2.55-1.57-1.19-2.91
Free Cash Flow
-10.55.967.928.1213.44
Free Cash Flow Growth
-76.12%-24.74%-2.50%-39.58%289.79%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
22.89%18.53%17.64%20.34%20.43%19.56%
FCF Margin
-21.55%13.23%18.51%18.52%34.65%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.4000.4000.4000.3400.2900.274
Dividend Per Share Growth
0%0%17.65%17.24%5.84%7.66%
Dividend Yield
1.68%2.15%2.52%2.78%2.44%1.77%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
8.989.369.086.386.159.66
P/FCF Ratio
9.378.0412.107.016.795.45
PS Ratio
2.051.731.601.301.261.89