Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
26.93
+0.38 (1.43%)
Jul 24, 2026, 4:00 PM EDT - Market closed
BOTJ Financials Overview
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 |
Revenue Revenue Growth | 50.01 | 48.69 | 45.03 | 42.79 | 43.85 | 38.79 |
Revenue Growth | 13.43% | 8.14% | 5.24% | -2.42% | 13.04% | 15.53% |
Net Income Net Income Growth | 10.95 | 9.02 | 7.94 | 8.7 | 8.96 | 7.59 |
Earnings Per Share EPS Growth | 2.42 | 1.99 | 1.75 | 1.91 | 1.91 | 1.60 |
EPS Growth | 65.75% | 13.71% | -8.38% | 0% | 19.38% | 53.85% |
| 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 |
Community Banking Community Banking Growth | 40.35 | 39.26 | 35.34 | 35.22 | 34.66 | 30.52 |
Investment Advisory Services Investment Advisory Services Growth | 5.49 | 5.33 | 4.84 | 4.2 | 3.93 | - |
Other Other Growth | 9.15 | 9.08 | 7.88 | 8.44 | - | - |
Eliminations Eliminations Growth | -9.89 | -9.9 | -8.83 | -9.36 | - | - |
Mortgage Mortgage Growth | 5.21 | 4.85 | 4.49 | 3.94 | 5.26 | 8.27 |
Total Total Growth | 50.31 | 48.62 | 43.72 | 42.43 | 43.85 | 38.79 |
| Fiscal Year | Current | 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 |
Cash & Equivalents Cash Growth | 87.99 | 84.48 | 73.31 | 74.84 | 61.76 | 183.15 |
Total Debt Total Debt Growth | 8.73 | 8.8 | 19.35 | 19.93 | 20.49 | 21.02 |
Net Cash (Debt) Net Cash Growth | -8.73 | -8.8 | -19.35 | -19.93 | -20.49 | -21.02 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -1.92 | -1.94 | -4.26 | -4.37 | -4.36 | -4.43 |
| 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 |
Operating Cash Flow Operating Cash Flow Growth | 15.64 | 11.66 | 8.51 | 9.49 | 9.31 | 16.35 |
Capital Expenditures CapEx Growth | -0.93 | -1.17 | -2.55 | -1.57 | -1.19 | -2.91 |
Free Cash Flow Free Cash Flow Growth | 14.71 | 10.5 | 5.96 | 7.92 | 8.12 | 13.44 |
Free Cash Flow Growth | 88.39% | 76.12% | -24.74% | -2.50% | -39.58% | 289.79% |
| 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 |
Pretax Margin | 27.16% | 22.89% | 22.04% | 24.02% | 25.34% | 24.37% |
Profit Margin | 21.90% | 18.53% | 17.64% | 20.34% | 20.43% | 19.57% |
FCF Margin | 29.42% | 21.55% | 13.23% | 18.51% | 18.52% | 34.65% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 25, 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 |
Dividend Per Share Dividend Per Share Growth | 0.400 | 0.400 | 0.400 | 0.340 | 0.290 | 0.274 |
Dividend Per Share Growth | 0% | 0% | 17.65% | 17.24% | 5.84% | 7.66% |
Dividend Yield | 1.49% | 2.15% | 2.52% | 2.62% | 2.44% | 1.73% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 25, 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 |
PE Ratio | 11.17 | 9.34 | 9.07 | 6.40 | 6.24 | 9.66 |
P/FCF Ratio | 8.32 | 8.04 | 12.10 | 7.01 | 6.79 | 5.45 |
PS Ratio | 2.41 | 1.73 | 1.60 | 1.30 | 1.26 | 1.89 |