What is Bank Of The James Finl Gp Inc's earnings per share (EPS)?

Bank Of The James Finl Gp Inc (BOTJ) reported diluted earnings per share of $1.99 for fiscal year 2025. This represents a 13.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bank Of The James Finl Gp Inc Financials

BOTJ

Source SEC Filings (10-K/10-Q) Updated Mar 27, 2026 Currency USD FYE March

This page shows Bank Of The James Finl Gp Inc (BOTJ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 45/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Bank Of The James Finl Gp Inc's revenue grew 6.7% year-over-year to $4.3M, a solid pace of expansion. This earns a growth score of 45/100.

Leverage

Bank Of The James Finl Gp Inc has elevated debt relative to equity (D/E of 11.98), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Bank Of The James Finl Gp Inc converts 245.6% of revenue into free cash flow ($10.5M). This strong cash generation earns a score of 100/100.

Returns

Bank Of The James Finl Gp Inc's ROE of 11.3% shows moderate profitability relative to equity, earning a score of 36/100. This is down from 12.3% the prior year.

Piotroski F-Score Neutral

6/9

Bank Of The James Finl Gp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.29x

For every $1 of reported earnings, Bank Of The James Finl Gp Inc generates $1.29 in operating cash flow ($11.7M OCF vs $9.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$4.3M

YoY+6.7%

5Y CAGR+16.0%

10Y CAGR-14.4%

Bank Of The James Finl Gp Inc generated $4.3M in revenue in fiscal year 2025. This represents an increase of 6.7% from the prior year.

EBITDA

N/A

Net Income

$9.0M

YoY+13.6%

5Y CAGR+12.6%

10Y CAGR+9.3%

Bank Of The James Finl Gp Inc reported $9.0M in net income in fiscal year 2025. This represents an increase of 13.6% from the prior year.

EPS (Diluted)

$1.99

YoY+13.7%

5Y CAGR+13.9%

10Y CAGR+6.4%

Bank Of The James Finl Gp Inc earned $1.99 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$10.5M

YoY+76.1%

5Y CAGR+24.9%

10Y CAGR+19.1%

Bank Of The James Finl Gp Inc generated $10.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 76.1% from the prior year.

Cash & Debt

$73.3M

YoY+0.0%

5Y CAGR-6.2%

10Y CAGR+9.8%

Bank Of The James Finl Gp Inc held $73.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.40

YoY+0.0%

5Y CAGR+7.4%

10Y CAGR+6.2%

Bank Of The James Finl Gp Inc paid $0.40 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+0.0%

5Y CAGR+0.9%

10Y CAGR+0.4%

Bank Of The James Finl Gp Inc had 5M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

211.1%

YoY+12.7pp

5Y CAGR-33.8pp

10Y CAGR+193.0pp

Bank Of The James Finl Gp Inc's net profit margin was 211.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 12.7 percentage points from the prior year.

Return on Equity

11.3%

YoY-1.0pp

5Y CAGR+3.8pp

10Y CAGR+3.6pp

Bank Of The James Finl Gp Inc's ROE was 11.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$1.2M

YoY-54.3%

5Y CAGR-7.8%

10Y CAGR-2.6%

Bank Of The James Finl Gp Inc invested $1.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 54.3% from the prior year.

BOTJ Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$4.3M+6.7%	$4.0M+2.6%	$3.9M+8.6%	$3.6M+43.9%	$2.5M+22.8%	$2.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$21.0M	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$13.8M-10.1%	$15.4M+60.1%	$9.6M+347.5%	$2.1M+2.3%	$2.1M-53.7%	$4.5M
Income Tax	$2.1M+7.3%	$2.0M+25.7%	$1.6M-26.8%	$2.2M+15.5%	$1.9M+55.3%	$1.2M
Net Income	$9.0M+13.6%	$7.9M-8.7%	$8.7M-2.8%	$9.0M+18.1%	$7.6M+52.4%	$5.0M
EPS (Diluted)	$1.99+13.7%	$1.75-8.4%	$1.910.0%	$1.91+19.4%	$1.60+53.8%	$1.04

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$1.0M+7.3%	$975K-0.6%	$981K-8.6%	$1.1M+8.3%	$991K+0.5%	$986K+3.5%	$953K-0.6%	$959K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.5M+2.4%	$3.4M-3.6%	$3.5M-11.0%	$4.0M-2.6%	$4.1M+5.5%	$3.8M+8.0%	$3.6M+13.0%	$3.1M
Income Tax	$466K-32.9%	$694K+252.3%	$197K-56.4%	$452K-4.6%	$474K-8.5%	$518K-3.2%	$535K+1055.4%	-$56K
Net Income	$2.8M+1.7%	$2.7M+221.3%	$842K-48.0%	$1.6M-18.7%	$2.0M-7.4%	$2.1M-1.8%	$2.2M+3.8%	$2.1M
EPS (Diluted)	$0.61+1.7%	$0.60+215.8%	$0.19	N/A	$0.44-6.4%	$0.47-2.1%	$0.48	N/A

BOTJ Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.0B+6.1%	$979.2M+1.0%	$969.4M+4.4%	$928.6M-6.0%	$987.6M+16.0%	$851.4M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$73.3M0.0%	$73.3M-2.0%	$74.8M+21.2%	$61.8M-66.3%	$183.2M+81.5%	$100.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.1M0.0%	$2.1M0.0%	$2.1M0.0%	$2.1M-31.6%	$3.0M	N/A
Total Liabilities	$959.0M+4.9%	$914.4M+0.6%	$909.3M+3.5%	$878.3M-4.3%	$918.2M+17.0%	$784.7M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$80.0M+23.4%	$64.9M+8.0%	$60.0M+19.5%	$50.2M-27.7%	$69.4M+4.0%	$66.7M
Retained Earnings	$50.0M+16.8%	$42.8M+16.7%	$36.7M+18.2%	$31.0M+32.4%	$23.4M-5.0%	$24.7M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.0B+1.6%	$1.0B-0.7%	$1.0B+3.3%	$979.2M-2.9%	$1.0B+3.1%	$978.0M-0.7%	$984.9M+1.6%	$969.4M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$85.5M+9.7%	$77.9M-18.0%	$95.0M+29.5%	$73.3M-32.9%	$109.2M+46.3%	$74.6M-15.3%	$88.1M+17.7%	$74.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.1M0.0%	$2.1M0.0%	$2.1M0.0%	$2.1M0.0%	$2.1M0.0%	$2.1M0.0%	$2.1M0.0%	$2.1M
Total Liabilities	$943.2M+1.1%	$932.6M-1.1%	$943.4M+3.2%	$914.4M-2.6%	$939.2M+2.5%	$916.3M-0.9%	$924.5M+1.7%	$909.3M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$77.0M+7.4%	$71.7M+4.9%	$68.3M+5.4%	$64.9M-5.8%	$68.8M+11.5%	$61.7M+2.1%	$60.4M+0.7%	$60.0M
Retained Earnings	$47.7M+5.1%	$45.4M+5.2%	$43.2M+0.9%	$42.8M+2.8%	$41.6M+3.8%	$40.1M+4.4%	$38.4M+4.7%	$36.7M

BOTJ Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$11.7M+37.0%	$8.5M-10.4%	$9.5M+1.9%	$9.3M-43.0%	$16.3M+214.5%	$5.2M
Capital Expenditures	$1.2M-54.3%	$2.5M+62.0%	$1.6M+32.2%	$1.2M-59.1%	$2.9M+66.1%	$1.8M
Free Cash Flow	$10.5M+76.1%	$6.0M-24.7%	$7.9M-2.5%	$8.1M-39.6%	$13.4M+289.8%	$3.4M
Investing Cash Flow	-$42.4M-279.5%	-$11.2M+52.1%	-$23.3M+73.5%	-$88.1M-35.5%	-$65.0M-4.8%	-$62.1M
Financing Cash Flow	$41.9M+3591.9%	$1.1M-95.8%	$26.9M+163.2%	-$42.6M-132.5%	$130.9M+10.4%	$118.6M
Dividends Paid	$1.8M-0.1%	$1.8M+24.4%	$1.5M+7.0%	$1.4M+7.4%	$1.3M+4.6%	$1.2M
Share Buybacks	N/A	N/A	$997K-28.9%	$1.4M+228.3%	$427K+55.3%	$275K

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$5.3M+44.3%	$3.7M+378.8%	$763K-59.5%	$1.9M-62.1%	$5.0M+72.4%	$2.9M+334.4%	-$1.2M-134.9%	$3.5M
Capital Expenditures	-$215K-272.0%	$125K-79.9%	$622K+82.4%	$341K-78.9%	$1.6M+1331.0%	$113K-76.4%	$479K+399.0%	$96K
Free Cash Flow	$5.1M+43.3%	$3.5M+2402.1%	$141K-90.9%	$1.5M-53.9%	$3.4M+21.0%	$2.8M+262.1%	-$1.7M-149.9%	$3.4M
Investing Cash Flow	-$6.3M+28.6%	-$8.8M-14.6%	-$7.7M+35.4%	-$11.9M-256.0%	$7.6M+208.1%	-$7.0M-5775.8%	$124K+100.5%	-$25.9M
Financing Cash Flow	$8.5M+171.6%	-$11.9M-141.8%	$28.6M+210.2%	-$25.9M-217.8%	$22.0M+336.8%	-$9.3M-164.8%	$14.3M+710.7%	-$2.3M
Dividends Paid	$454K-0.2%	$455K0.0%	$455K+0.2%	$454K0.0%	$454K-0.7%	$457K+0.9%	$453K+25.5%	$361K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0

BOTJ Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	211.1%+12.7pp	198.4%-24.7pp	223.1%-26.4pp	249.5%-54.6pp	304.1%+59.1pp	245.0%
Return on Equity	11.3%-1.0pp	12.3%-2.2pp	14.5%-3.3pp	17.8%+6.9pp	10.9%+3.5pp	7.5%
Return on Assets	0.9%+0.1pp	0.8%-0.1pp	0.9%-0.1pp	1.0%+0.2pp	0.8%+0.2pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.98-2.1	14.10-1.0	15.15-2.3	17.49+4.3	13.23+1.5	11.76
FCF Margin	245.6%+96.8pp	148.9%-54.1pp	203.0%-23.2pp	226.1%-312.3pp	538.5%+368.9pp	169.6%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	263.1%-14.3pp	277.4%+191.6pp	85.8%-65.0pp	150.8%-50.0pp	200.8%-17.0pp	217.9%-11.7pp	229.6%+9.8pp	219.8%
Return on Equity	3.6%-0.2pp	3.8%+2.5pp	1.2%-1.3pp	2.5%-0.4pp	2.9%-0.6pp	3.5%-0.1pp	3.6%+0.1pp	3.5%
Return on Assets	0.3%0.0pp	0.3%+0.2pp	0.1%-0.1pp	0.2%-0.0pp	0.2%-0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	12.25-0.8	13.01-0.8	13.80-0.3	14.10+0.5	13.64-1.2	14.85-0.4	15.30+0.2	15.15
FCF Margin	483.3%+121.4pp	361.9%+347.5pp	14.4%-129.6pp	144.0%-194.4pp	338.4%+57.4pp	280.9%+460.3pp	-179.3%-536.7pp	357.4%

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Frequently Asked Questions

What is Bank Of The James Finl Gp Inc's annual revenue?

Bank Of The James Finl Gp Inc (BOTJ) reported $4.3M in total revenue for fiscal year 2025. This represents a 6.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bank Of The James Finl Gp Inc's revenue growing?

Bank Of The James Finl Gp Inc (BOTJ) revenue grew by 6.7% year-over-year, from $4.0M to $4.3M in fiscal year 2025.

Is Bank Of The James Finl Gp Inc profitable?

Yes, Bank Of The James Finl Gp Inc (BOTJ) reported a net income of $9.0M in fiscal year 2025, with a net profit margin of 211.1%.

What is Bank Of The James Finl Gp Inc's net profit margin?

Bank Of The James Finl Gp Inc (BOTJ) had a net profit margin of 211.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Bank Of The James Finl Gp Inc pay dividends?

Yes, Bank Of The James Finl Gp Inc (BOTJ) paid $0.40 per share in dividends during fiscal year 2025.

What is Bank Of The James Finl Gp Inc's return on equity (ROE)?

Bank Of The James Finl Gp Inc (BOTJ) has a return on equity of 11.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bank Of The James Finl Gp Inc's free cash flow?

Bank Of The James Finl Gp Inc (BOTJ) generated $10.5M in free cash flow during fiscal year 2025. This represents a 76.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bank Of The James Finl Gp Inc's operating cash flow?

Bank Of The James Finl Gp Inc (BOTJ) generated $11.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bank Of The James Finl Gp Inc's total assets?

Bank Of The James Finl Gp Inc (BOTJ) had $1.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Bank Of The James Finl Gp Inc's capital expenditures?

Bank Of The James Finl Gp Inc (BOTJ) invested $1.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Bank Of The James Finl Gp Inc have outstanding?

Bank Of The James Finl Gp Inc (BOTJ) had 5M shares outstanding as of fiscal year 2025.

What is Bank Of The James Finl Gp Inc's debt-to-equity ratio?

Bank Of The James Finl Gp Inc (BOTJ) had a debt-to-equity ratio of 11.98 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bank Of The James Finl Gp Inc's return on assets (ROA)?

Bank Of The James Finl Gp Inc (BOTJ) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bank Of The James Finl Gp Inc's Piotroski F-Score?

Bank Of The James Finl Gp Inc (BOTJ) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bank Of The James Finl Gp Inc's earnings high quality?

Bank Of The James Finl Gp Inc (BOTJ) has an earnings quality ratio of 1.29x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bank Of The James Finl Gp Inc?

Bank Of The James Finl Gp Inc (BOTJ) scores 45 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.