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

BOTJ Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	38.17	37.25	34.51	31.38	26.18	26.53
Interest Income on Investments	9.75	9.4	10.14	7.98	5.68	2.65
Total Interest Income	47.92	46.66	44.64	39.36	31.85	29.18
Interest Paid on Deposits	12.58	13.23	14.63	8.78	1.29	1.67
Interest Paid on Borrowings	0.52	0.62	0.78	0.84	0.86	0.43
Total Interest Expense	13.09	13.85	15.41	9.62	2.15	2.1
Net Interest Income	34.83	32.81	29.24	29.74	29.7	27.08
Net Interest Income Growth	11.75%	12.21%	-1.70%	0.13%	9.69%	7.69%
Trust Income	5.67	5.35	4.84	4.2	3.93	-
Gain (Loss) on Sale of Investments	0.03	0.03	0.06	-	-0	-
Other Non-Interest Income	6.08	5.63	5.74	4.73	4.06	2.94
Total Non-Interest Income	16.93	15.85	15.14	12.87	13.24	11.21
Non-Interest Income Growth	12.92%	4.72%	17.64%	-2.85%	18.15%	2.13%
Revenues Before Loan Losses	51.76	48.66	44.37	42.61	42.95	38.29
Provision for Loan Losses	0.56	-0.04	-0.66	-0.18	-0.9	-0.5
Revenue	51.2	48.69	45.03	42.79	43.85	38.79
Revenue Growth	10.03%	8.14%	5.24%	-2.42%	13.04%	15.53%
Salaries and Employee Benefits	21.84	20.96	19.29	18.31	17.68	16.27
Federal Deposit Insurance	0.51	0.52	0.44	0.42	0.5	0.55
Amortization of Goodwill & Intangibles	0.56	0.56	0.56	0.56	0.56	-
Selling, General & Administrative	12.49	12.85	12.3	10.98	10.86	9.8
Other Non-Interest Expense	2.55	2.66	2.51	2.2	2.92	2.61
Total Non-Interest Expense	37.94	37.55	35.11	32.51	32.74	29.34
EBT Excluding Unusual Items	13.26	11.15	9.92	10.28	11.11	9.45
Pretax Income	14.26	11.15	9.92	10.28	11.11	9.45
Income Tax Expense	2.77	2.12	1.98	1.58	2.15	1.86
Net Income	11.49	9.02	7.94	8.7	8.96	7.59
Net Income to Common	11.49	9.02	7.94	8.7	8.96	7.59
Net Income Growth	60.59%	13.57%	-8.73%	-2.85%	18.05%	52.39%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change	-	-	-0.42%	-2.89%	-1.05%	-0.58%
EPS (Basic)	2.53	1.99	1.75	1.91	1.91	1.60
EPS (Diluted)	2.53	1.99	1.75	1.91	1.91	1.60
EPS Growth	60.59%	13.57%	-8.35%	0.04%	19.30%	53.69%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.400	0.400	0.400	0.340	0.290	0.274
Dividend Growth	0%	0%	17.65%	17.24%	5.84%	7.66%
Effective Tax Rate	19.40%	19.05%	19.94%	15.32%	19.36%	19.70%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Mar 27, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 30, 2026

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