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 Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 | 61.76 | 84.48 | 73.31 | 74.84 | 61.76 | 183.15 |
Investment Securities | 229.07 | 156.68 | 132.55 | 125.05 | 121.58 | 127.48 |
Trading Asset Securities | - | 0.1 | - | - | - | - |
Mortgage-Backed Securities | - | 61.04 | 58.97 | 95.08 | 67.84 | 37.44 |
Total Investments | 229.07 | 217.82 | 191.52 | 220.13 | 189.43 | 164.92 |
Gross Loans | 694.03 | 667.81 | 643.6 | 609.33 | 611.63 | 583.38 |
Allowance for Loan Losses | - | -6.45 | -7.04 | -7.41 | -6.26 | -6.92 |
Net Loans | 694.03 | 661.36 | 636.55 | 601.92 | 605.37 | 576.47 |
Property, Plant & Equipment | 18.59 | 22.05 | 22.79 | 21.93 | 22.25 | 23.12 |
Goodwill | 2.05 | 2.05 | 2.05 | 2.05 | 2.05 | 3 |
Other Intangible Assets | 5.74 | 6.16 | 6.73 | 7.29 | 7.85 | 8.41 |
Loans Held for Sale | 2.67 | 3.47 | 3.62 | 1.26 | 2.42 | 1.63 |
Accrued Interest Receivable | 3.29 | 3.38 | 3.07 | 2.84 | 2.74 | 2.06 |
Other Real Estate Owned & Foreclosed | 0.19 | - | - | - | 0.57 | 0.76 |
Other Long-Term Assets | 47.19 | 38.25 | 39.62 | 37.12 | 34.14 | 24.11 |
Total Assets | 1,065 | 1,039 | 979.24 | 969.37 | 928.57 | 987.63 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Interest Bearing Deposits | 813.34 | 757.66 | 708.47 | 709.21 | 675.73 | 705.24 |
Institutional Deposits | - | 48.01 | 44.25 | 34.97 | 17.53 | 19.53 |
Non-Interest Bearing Deposits | 150.25 | 131.46 | 129.69 | 134.28 | 154.88 | 162.29 |
Total Deposits | 963.6 | 937.13 | 882.4 | 878.46 | 848.14 | 887.06 |
Current Portion of Leases | - | 0.69 | - | - | - | - |
Accrued Interest Payable | 1.19 | 1.17 | 0.72 | 0.48 | 0.09 | 0.05 |
Long-Term Debt | 8.61 | 8.8 | 19.35 | 19.93 | 20.49 | 21.02 |
Long-Term Leases | - | 2.66 | 3.93 | 4.21 | 4.65 | 5.07 |
Pension & Post-Retirement Benefits | - | 6.24 | 5.32 | 4.54 | - | - |
Other Long-Term Liabilities | 12.74 | 2.29 | 2.66 | 1.71 | 4.98 | 5.02 |
Total Liabilities | 986.14 | 958.98 | 914.38 | 909.33 | 878.35 | 918.21 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Common Stock | 9.72 | 9.72 | 9.72 | 9.72 | 9.91 | 10.15 |
Additional Paid-In Capital | 35.25 | 35.25 | 35.25 | 35.25 | 36.07 | 37.23 |
Retained Earnings | 57.98 | 50.01 | 42.8 | 36.68 | 31.03 | 23.44 |
Comprehensive Income & Other | -24.51 | -14.94 | -22.92 | -21.62 | -26.78 | -1.39 |
Shareholders' Equity | 78.45 | 80.05 | 64.87 | 60.04 | 50.23 | 69.43 |
Total Liabilities & Equity | 1,065 | 1,039 | 979.24 | 969.37 | 928.57 | 987.63 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Total Debt | 8.61 | 12.15 | 23.28 | 24.15 | 25.14 | 26.09 |
Net Cash (Debt) | 53.15 | 72.42 | 50.03 | 50.69 | 36.62 | 157.07 |
Net Cash Growth | -30.63% | 44.75% | -1.30% | 38.43% | -76.69% | 83.97% |
Net Cash Per Share | 11.70 | 15.94 | 11.01 | 11.11 | 7.79 | 33.08 |
Filing Date Shares Outstanding | 4.54 | 4.54 | 4.54 | 4.54 | 4.58 | 4.74 |
Total Common Shares Outstanding | 4.54 | 4.54 | 4.54 | 4.54 | 4.63 | 4.74 |
Book Value Per Share | 17.27 | 17.62 | 14.28 | 13.21 | 10.85 | 14.65 |
Tangible Book Value | 70.65 | 71.83 | 56.09 | 50.7 | 40.33 | 58.02 |
Tangible Book Value Per Share | 15.55 | 15.81 | 12.34 | 11.16 | 8.71 | 12.24 |