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Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
27.77
+0.01 (0.04%)
At close: Aug 14, 2026, 4:00 PM EDT
26.50
-1.27 (-4.57%)
After-hours: Aug 14, 2026, 6:39 PM EDT

BOTJ Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
51.248.6945.0342.7943.8538.79
Revenue Growth
10.03%8.14%5.24%-2.42%13.04%15.53%
Net Income
11.499.027.948.78.967.59
Earnings Per Share
2.531.991.751.911.911.60
EPS Growth
60.57%13.57%-8.35%0.04%19.30%53.69%

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

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
35.5584.5773.3174.8461.76183.15
Total Debt
8.6712.1523.2824.1525.1426.09
Net Cash (Debt)
26.8772.4250.0350.6936.62157.07
Net Cash Growth
-61.00%44.75%-1.30%38.43%-76.69%83.97%
Net Cash Per Share
5.9215.9411.0111.117.7933.08

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '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 YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
22.44%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 YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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
1.44%2.17%2.61%2.98%2.69%2.00%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.989.369.086.386.159.66
P/FCF Ratio
8.588.0412.107.016.795.45
PS Ratio
2.461.731.601.301.261.89