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

Trailing 12 months to June 30, 2026

Revenue $4.5M +10.9% YoY

Net Income $11.5M +60.6% YoY

EPS (Diluted) $2.53 +59.1% YoY

Free Cash Flow $11.1M +29.4% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 12, 2026 Currency USD FYE December

Bank Of The James Finl Gp Inc (BOTJ) reported $4.5M in revenue over the twelve months to Jun 30, 2026, up 10.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI BOTJ FY2025 2026-08-12

Returns here come more from a leveraged balance sheet than from a wide profit spread, while cash conversion stayed healthy.

From FY2024 to FY2025, total assets rose by $59.8M, but equity increased by $15.2M and leverage fell from 14.1x to 12.0x; that means the latest year's growth added balance-sheet capacity instead of merely stretching it. At the same time, operating cash flow of $11.7M exceeded net income of $9.0M, so reported profit was backed by cash rather than absorbed elsewhere on the balance sheet.

Across FY2023-FY2025, return on assets stayed thin at just 0.8% to 0.9%, but return on equity still ranged from 11.3% to 14.5% because leverage only eased from 15.1x to 12.0x. The business therefore depends more on balance-sheet scale and funding structure than on earning a large profit on each dollar of assets.

The cash-flow profile is not capex-hungry: in FY2025, free cash flow of $10.5M stayed close to operating cash flow of $11.7M because capital spending was only $1.2M. That leaves most internally generated cash available for dividends, liquidity, or further equity building rather than replacing physical infrastructure.

Financial Health Signals

Financial Health Score 52/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Bank Of The James Finl Gp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

6/6

Bank Of The James Finl Gp Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 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

Export CSV

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.

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.

EBITDA

Not reported for fiscal year 2025.

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

$84.5M

YoY+15.2%

5Y CAGR-3.5%

10Y CAGR+11.4%

Bank Of The James Finl Gp Inc held $84.5M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.40

YoY0.0%

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. That is unchanged from the prior year.

Shares Outstanding

YoY0.0%

5Y CAGR+1.0%

10Y CAGR+0.4%

Bank Of The James Finl Gp Inc had 5M shares outstanding in fiscal year 2025. That is unchanged from the prior year.

Margins & Returns

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

BOTJ Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

BOTJ quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$4.5M	$4.3M+6.7%	$4.0M+2.6%	$3.9M+8.6%	$3.6M+43.9%	$2.5M+22.8%	$2.0M+13.9%	$1.8M-4.6%	$1.9M+6.4%	$1.8M-91.8%	$21.6M+6.2%	$20.3M+8.4%	$18.7M+1.6%	$18.4M-1.7%	$18.8M-3.9%	$19.5M
SG&A Expenses	$21.8M	$21.0M+8.6%	$19.3M+5.4%	$18.3M+3.6%	$17.7M+8.0%	$16.4M+6.1%	$15.4M+17.9%	$13.1M+16.1%	$11.3M+12.7%	$10.0M+8.5%	$9.2M+5.8%	$8.7M+9.9%	$7.9M+10.9%	$7.2M+9.7%	$6.5M+15.2%	$5.7M
Interest Expense	$13.1M	$13.8M-10.1%	$15.4M+60.1%	$9.6M+347.5%	$2.1M+2.3%	$2.1M-53.7%	$4.5M-13.8%	$5.3M+38.7%	$3.8M+26.8%	$3.0M+27.7%	$2.3M-12.9%	$2.7M+15.7%	$2.3M-4.7%	$2.4M-19.1%	$3.0M-28.1%	$4.2M
Income Tax	$2.8M	$2.1M+7.3%	$2.0M+25.7%	$1.6M-26.8%	$2.2M+15.5%	$1.9M+55.3%	$1.2M-9.8%	$1.3M0.0%	$1.3M-45.5%	$2.4M+59.7%	$1.5M-7.5%	$1.7M+28.2%	$1.3M+23.6%	$1.0M+91.9%	$543K+683.9%	-$93K
Net Income	$11.5M	$9.0M+13.6%	$7.9M-8.7%	$8.7M-2.8%	$9.0M+18.1%	$7.6M+52.4%	$5.0M-11.2%	$5.6M+5.7%	$5.3M+81.5%	$2.9M-11.1%	$3.3M-11.0%	$3.7M+8.2%	$3.4M+11.5%	$3.1M+43.5%	$2.1M+255.3%	$600K
EPS (Diluted)	$2.53	$1.99+13.7%	$1.75-8.4%	$1.910.0%	$1.91+19.4%	$1.60+53.8%	$1.04-18.8%	$1.28+5.8%	$1.21+80.6%	$0.67-10.7%	$0.75-29.9%	$1.07+5.9%	$1.01+11.0%	$0.91+42.2%	$0.64+255.6%	$0.18

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$1.1M+15.6%	$994K-21.8%	$1.3M+21.5%	$1.0M+7.3%	$975K-0.6%	$981K-8.6%	$1.1M+8.3%	$991K
SG&A Expenses	$5.5M+0.2%	$5.5M+3.6%	$5.3M-3.7%	$5.5M+3.0%	$5.4M+12.1%	$4.8M-5.2%	$5.0M+2.4%	$4.9M
Interest Expense	$3.0M-2.6%	$3.1M-10.3%	$3.5M+0.1%	$3.5M+2.4%	$3.4M-3.6%	$3.5M-11.0%	$4.0M-2.6%	$4.1M
Income Tax	$829K+17.6%	$705K-8.0%	$766K+64.4%	$466K-32.9%	$694K+252.3%	$197K-56.4%	$452K-4.6%	$474K
Net Income	$3.2M+16.8%	$2.8M+1.8%	$2.7M-1.0%	$2.8M+1.8%	$2.7M+221.1%	$842K-48.0%	$1.6M-18.7%	$2.0M
EPS (Diluted)	$0.71+16.4%	$0.61+1.7%	$0.60-1.6%	$0.61+1.7%	$0.60+215.8%	$0.19-47.2%	$0.36-18.2%	$0.44

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

BOTJ Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

BOTJ quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$1.0B+6.1%	$979.2M+1.0%	$969.4M+4.4%	$928.6M-6.0%	$987.6M+16.0%	$851.4M+17.4%	$725.4M+7.5%	$674.9M+7.8%	$626.3M+9.1%	$574.2M+8.9%	$527.1M+14.4%	$460.9M+6.1%	$434.5M-1.6%	$441.4M+3.3%	$427.4M
Cash & Equivalents	$84.5M+15.2%	$73.3M-2.0%	$74.8M+21.2%	$61.8M-66.3%	$183.2M+81.5%	$100.9M+157.9%	$39.1M-22.3%	$50.3M+35.9%	$37.0M+29.1%	$28.7M+0.1%	$28.7M+124.9%	$12.7M-23.6%	$16.7M-59.3%	$41.0M+75.7%	$23.3M
Goodwill	$2.1M0.0%	$2.1M0.0%	$2.1M0.0%	$2.1M-31.6%	$3.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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+18.2%	$663.9M+7.1%	$619.8M+7.8%	$574.7M+9.5%	$524.8M+9.6%	$478.9M+12.4%	$426.1M+5.3%	$404.7M-1.7%	$411.8M+2.8%	$400.6M
Total Equity	$80.0M+23.4%	$64.9M+8.0%	$60.0M+19.5%	$50.2M-27.7%	$69.4M+4.0%	$66.7M+8.6%	$61.4M+11.4%	$55.1M+6.7%	$51.7M+4.5%	$49.4M+2.5%	$48.2M+38.6%	$34.8M+16.8%	$29.8M+0.5%	$29.6M+10.5%	$26.8M
Retained Earnings	$50.0M+16.8%	$42.8M+16.7%	$36.7M+18.2%	$31.0M+32.4%	$23.4M-5.0%	$24.7M+18.0%	$20.9M+26.5%	$16.5M+34.7%	$12.3M+20.8%	$10.2M+28.2%	$7.9M+57.4%	$5.0M+136.9%	$2.1M+326.9%	-$936K+69.5%	-$3.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.0B-1.9%	$1.1B+2.1%	$1.0B+1.9%	$1.0B+1.6%	$1.0B-0.7%	$1.0B+3.3%	$979.2M-2.9%	$1.0B
Cash & Equivalents	$35.5M-59.6%	$88.0M+4.2%	$84.5M-1.1%	$85.5M+9.7%	$77.9M-18.0%	$95.0M+29.5%	$73.3M-32.9%	$109.2M
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	$958.2M-2.2%	$979.9M+2.2%	$959.0M+1.7%	$943.2M+1.1%	$932.6M-1.1%	$943.4M+3.2%	$914.4M-2.6%	$939.2M
Total Equity	$83.2M+2.3%	$81.3M+1.5%	$80.0M+4.0%	$77.0M+7.4%	$71.7M+4.8%	$68.3M+5.4%	$64.9M-5.8%	$68.8M
Retained Earnings	$55.1M+5.3%	$52.3M+4.6%	$50.0M+4.8%	$47.7M+5.1%	$45.4M+5.2%	$43.2M+0.9%	$42.8M+2.8%	$41.6M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

BOTJ Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

BOTJ quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$12.6M	$11.7M+37.0%	$8.5M-10.4%	$9.5M+1.9%	$9.3M-43.0%	$16.3M+214.5%	$5.2M-7.0%	$5.6M-34.8%	$8.6M+27.6%	$6.7M+141.2%	$2.8M-16.8%	$3.3M-40.5%	$5.6M+17.4%	$4.8M-5.1%	$5.0M-29.1%	$7.1M
Capital Expenditures	$1.1M	$1.2M-54.3%	$2.5M+62.0%	$1.6M+32.2%	$1.2M-59.1%	$2.9M+66.1%	$1.8M-60.2%	$4.4M+91.1%	$2.3M+19.9%	$1.9M+12.4%	$1.7M+12.9%	$1.5M+12.7%	$1.3M+63.5%	$821K+98.3%	$414K-40.3%	$694K
Free Cash Flow	$11.1M	$10.5M+76.1%	$6.0M-24.7%	$7.9M-2.5%	$8.1M-39.6%	$13.4M+289.8%	$3.4M+188.8%	$1.2M-81.0%	$6.3M+30.7%	$4.8M+345.1%	$1.1M-41.3%	$1.8M-57.2%	$4.3M+7.9%	$4.0M-14.3%	$4.6M-27.9%	$6.4M
Investing Cash Flow	-$77.0M	-$42.4M-279.5%	-$11.2M+52.1%	-$23.3M+73.5%	-$88.1M-35.5%	-$65.0M-4.8%	-$62.1M-18.1%	-$52.5M-35.5%	-$38.8M+17.0%	-$46.7M+1.1%	-$47.2M	N/A	N/A	N/A	$1.2M+112.1%	-$9.5M
Financing Cash Flow	$22.1M	$41.9M+3591.9%	$1.1M-95.8%	$26.9M+163.2%	-$42.6M-132.5%	$130.9M+10.4%	$118.6M+232.1%	$35.7M-17.9%	$43.5M-10.0%	$48.3M+8.7%	$44.5M	N/A	N/A	N/A	$11.5M+64.5%	$7.0M
Dividends Paid	$1.8M	$1.8M-0.1%	$1.8M+24.4%	$1.5M+7.0%	$1.4M+7.4%	$1.3M+4.6%	$1.2M-0.9%	$1.2M+16.8%	$1.1M0.0%	$1.1M0.0%	$1.1M+30.8%	$803K+58.7%	$506K	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	$997K-28.9%	$1.4M+228.3%	$427K+55.3%	$275K-12.7%	$315K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$632K-86.7%	$4.7M+140.1%	$2.0M-62.5%	$5.3M+44.3%	$3.7M+378.8%	$763K-59.5%	$1.9M-62.1%	$5.0M
Capital Expenditures	$300K-21.5%	$382K-39.7%	$633K+194.4%	-$215K+72.0%	$125K-79.9%	$622K+82.4%	$341K-78.9%	$1.6M
Free Cash Flow	$332K-92.4%	$4.4M+224.9%	$1.3M-73.5%	$5.1M+43.3%	$3.5M+2402.1%	$141K-90.9%	$1.5M-53.9%	$3.4M
Investing Cash Flow	-$31.1M-55.3%	-$20.0M-1.7%	-$19.7M-213.7%	-$6.3M+28.6%	-$8.8M-14.6%	-$7.7M+35.4%	-$11.9M-256.0%	$7.6M
Financing Cash Flow	-$22.0M-217.1%	$18.8M+12.3%	$16.7M+95.7%	$8.5M+171.6%	-$11.9M-141.8%	$28.6M+210.2%	-$25.9M-217.8%	$22.0M
Dividends Paid	$454K-0.2%	$455K+0.4%	$453K-0.2%	$454K-0.2%	$455K0.0%	$455K+0.2%	$454K0.0%	$454K

Not reported in any period shown, so not listed: Share Buybacks.

BOTJ Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

BOTJ quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	211.1%	198.4%	223.1%	249.5%	304.1%	245.0%	314.0%	283.4%	166.1%	15.2%-2.9pp	18.2%0.0pp	18.2%+1.6pp	16.6%+5.2pp	11.4%+8.3pp	3.1%
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%-1.7pp	9.1%-0.5pp	9.6%+4.0pp	5.7%-1.0pp	6.7%-1.0pp	7.7%-2.2pp	9.8%-0.5pp	10.3%+3.1pp	7.2%+5.0pp	2.2%
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%-0.2pp	0.8%0.0pp	0.8%+0.3pp	0.5%-0.1pp	0.6%-0.1pp	0.7%0.0pp	0.7%0.0pp	0.7%+0.2pp	0.5%+0.3pp	0.1%
Debt-to-Equity	11.98-2.1x	14.10-1.0x	15.15-2.3x	17.49+4.3x	13.23+1.5x	11.76+1.0x	10.81-0.4x	11.24+0.1x	11.12+0.5x	10.62+0.7x	9.94-2.3x	12.25-1.3x	13.59-0.3x	13.90-1.0x	14.95
FCF Margin	245.6%	148.9%	203.0%	226.1%	538.5%	169.6%	66.9%	335.2%	272.8%	5.0%-4.0pp	9.0%-13.8pp	22.9%+1.3pp	21.5%-3.2pp	24.7%-8.2pp	32.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	282.0%	279.1%	214.3%	263.1%	277.3%	85.8%	150.8%	200.8%
Return on Equity	3.9%+0.5pp	3.4%0.0pp	3.4%-0.2pp	3.6%-0.2pp	3.8%+2.5pp	1.2%-1.3pp	2.5%-0.4pp	2.9%
Return on Assets	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.2pp	0.1%-0.1pp	0.2%0.0pp	0.2%
Debt-to-Equity	11.52-0.5x	12.06+0.1x	11.98-0.3x	12.25-0.8x	13.01-0.8x	13.80-0.3x	14.10+0.5x	13.64
FCF Margin	28.9%	438.3%	105.5%	483.3%	361.9%	14.4%	144.0%	338.4%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

Similar Companies

First Us Bancsha FUSB

$90.8M

First Northwest FNWB

$105.3M

Broadway Finl Corp Del BYFC

$111.8M

Auburn National AUBN

$92.7M

First Seacoast Bancorp Inc FSEA

$80.5M

Where Bank Of The James Finl Gp Inc Ranks

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.

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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.