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

NASDAQ: BOTJ · Real-Time Price · USD

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20.46

+0.43 (2.15%)

At close: Feb 4, 2026, 4:00 PM EST

20.86

+0.40 (1.96%)

After-hours: Feb 4, 2026, 5:34 PM EST

BOTJ Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	85.45	73.31	74.84	61.76	183.15	100.89
Investment Securities	147.79	132.55	125.05	121.58	127.48	78.16
Trading Asset Securities	-	0.04	-	-	-	-
Mortgage-Backed Securities	58.31	58.97	95.08	67.84	37.44	15.7
Total Investments	206.1	191.56	220.13	189.43	164.92	93.86
Gross Loans	663.35	647.21	610.59	611.63	583.38	609.09
Allowance for Loan Losses	-6.3	-7.04	-7.41	-6.26	-6.92	-7.16
Net Loans	657.05	640.17	603.18	605.37	576.47	601.93
Property, Plant & Equipment	18.83	22.43	21.93	22.25	23.12	22.24
Goodwill	2.05	2.05	2.05	2.05	3	-
Other Intangible Assets	6.31	6.73	7.29	7.85	8.41	-
Loans Held for Sale	-	-	-	2.42	1.63	7.1
Accrued Interest Receivable	3	3.07	2.84	2.74	2.06	2.35
Other Real Estate Owned & Foreclosed	-	-	-	0.57	0.76	1.11
Other Long-Term Assets	41.33	39.93	37.12	34.14	24.11	21.91
Total Assets	1,020	979.24	969.37	928.57	987.63	851.39
Interest Bearing Deposits	786.95	708.47	709.21	675.73	705.24	596.12
Institutional Deposits	-	44.25	34.97	17.53	19.53	25.5
Non-Interest Bearing Deposits	132.85	129.69	134.28	154.88	162.29	143.35
Total Deposits	919.8	882.4	878.46	848.14	887.06	764.97
Current Portion of Leases	-	0.69	-	-	-	-
Accrued Interest Payable	1.29	0.72	0.48	0.09	0.05	0.09
Long-Term Debt	8.84	19.35	19.93	20.49	21.02	10.03
Long-Term Leases	-	3.24	4.21	4.65	5.07	5.48
Other Long-Term Liabilities	13.23	7.98	6.25	4.98	5.02	4.09
Total Liabilities	943.15	914.38	909.33	878.35	918.21	784.65
Common Stock	9.72	9.72	9.72	9.91	10.15	9.29
Additional Paid-In Capital	35.25	35.25	35.25	36.07	37.23	30.99
Retained Earnings	47.74	42.8	36.68	31.03	23.44	24.67
Comprehensive Income & Other	-15.74	-22.92	-21.62	-26.78	-1.39	1.79
Shareholders' Equity	76.97	64.87	60.04	50.23	69.43	66.73
Total Liabilities & Equity	1,020	979.24	969.37	928.57	987.63	851.39
Total Debt	8.84	23.28	24.15	25.14	26.09	15.51
Net Cash (Debt)	76.62	50.08	50.69	36.62	157.07	85.38
Net Cash Growth	-14.60%	-1.22%	38.43%	-76.69%	83.97%	585.81%
Net Cash Per Share	16.86	11.02	11.11	7.79	33.08	17.88
Filing Date Shares Outstanding	4.54	4.54	4.54	4.58	4.74	4.76
Total Common Shares Outstanding	4.54	4.54	4.54	4.63	4.74	4.77
Book Value Per Share	16.94	14.28	13.21	10.85	14.65	13.98
Tangible Book Value	68.61	56.09	50.7	40.33	58.02	66.73
Tangible Book Value Per Share	15.10	12.34	11.16	8.71	12.24	13.98

Updated Nov 14, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q