Bank of the James Financial Group, Inc (BOTJ) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BOTJ SEC filings page.
Bank of the James Financial Group, Inc (BOTJ) reported $51.8M in revenue over the twelve months to Jun 30, 2026, up 12.1% 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).
The bank earns modest returns on a heavily liability-funded balance sheet, with FY2025 earnings recovery helped by lower interest expense.
FY2025 revenue reached$48.7M and net income$9.0M , so expansion translated into earnings rather than merely a larger operating base. That conversion coincided with interest expense falling to$13.8M while selling, general and administrative costs rose to$21.0M , pointing to financing-cost relief—not blanket expense cuts—as the immediate margin support.
The funding structure is the defining feature: total liabilities of
Reported cash generation broadly agrees with earnings: FY2025 operating cash flow was
Financial Health Signals
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 Financial Group, 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.
Bank of the James Financial Group, Inc earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and Bank of the James Financial Group, Inc scores 48/100 among other banks.
Bank of the James Financial Group, Inc reported revenue of $48.7M in fiscal year 2025, against $44.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Bank of the James Financial Group, Inc scores 45/100 among other banks.
Bank of the James Financial Group, Inc funded 7.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $80.0M of equity against $1.0B of assets. Capital ranks banks on that cushion, and Bank of the James Financial Group, Inc scores 6/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Bank of the James Financial Group, Inc scores 18/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Bank of the James Financial Group, Inc scores 96/100 on it among other banks.
Bank of the James Financial Group, Inc reported net income of $9.0M in fiscal year 2025, against $7.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Bank of the James Financial Group, Inc scores 97/100 among other banks.
Bank of the James Financial Group, 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.
For every $1 of reported earnings, Bank of the James Financial Group, 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
Earnings & Revenue
Bank of the James Financial Group, Inc generated $13.7M in revenue in Q2 2026. This represents an increase of 11.4% from the same quarter a year earlier. Against the prior quarter it is up 8.1%.
Bank of the James Financial Group, Inc reported $3.2M in net income in Q2 2026. This represents an increase of 19.8% from the same quarter a year earlier. Against the prior quarter it is up 16.8%.
Bank of the James Financial Group, Inc earned $0.71 per diluted share (EPS) in Q2 2026. This represents an increase of 18.3% from the same quarter a year earlier. Against the prior quarter it is up 16.4%.
Not reported for Q2 2026.
Cash & Balance Sheet
Bank of the James Financial Group, Inc generated $332K in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 90.6% from the same quarter a year earlier. Against the prior quarter it is down 92.4%.
Bank of the James Financial Group, Inc held $35.5M in cash as of Q2 2026; long-term debt is not reported for that period.
Bank of the James Financial Group, Inc paid $0.10 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Bank of the James Financial Group, Inc's net profit margin was 23.6% in Q2 2026, showing the share of revenue converted to profit. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.7 percentage points.
Bank of the James Financial Group, Inc's ROE was 3.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Bank of the James Financial Group, Inc invested $300K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 140.0% from the same quarter a year earlier. Against the prior quarter it is down 21.5%.
Not reported for Q2 2026.
Not reported for Q2 2026.
BOTJ Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $13.7M+11.4% | $12.7M+15.4% | $12.9M+11.8% | $12.5M+10.0% | $12.3M+9.2% | $11.0M+7.3% | $11.5M+8.8% | $11.3M+7.3% |
| SG&A Expenses | $5.5M+2.9% | $5.5M+15.1% | $5.3M+5.4% | $5.5M+12.1% | $5.4M+9.5% | $4.8M+7.5% | $5.0M+0.4% | $4.9M+5.1% |
| Interest Expense | $3.0M-10.5% | $3.1M-11.4% | $3.5M-12.1% | $3.5M-14.4% | $3.4M-11.9% | $3.5M-1.2% | $4.0M+25.4% | $4.1M+45.9% |
| Income Tax | $829K+19.5% | $705K+257.9% | $766K+69.5% | $466K-1.7% | $694K+34.0% | $197K-63.2% | $452K+907.1% | $474K-7.2% |
| Net Income | $3.2M+19.8% | $2.8M+229.5% | $2.7M+68.4% | $2.8M+38.3% | $2.7M+25.9% | $842K-61.5% | $1.6M-23.2% | $2.0M-4.2% |
| EPS (Basic) | $0.71+18.3% | $0.61+221.1% | $0.60+66.7% | $0.61+38.6% | $0.60+27.7% | $0.19-60.4% | $0.36-23.4% | $0.44-4.3% |
| EPS (Diluted) | $0.71+18.3% | $0.61+221.1% | $0.60+66.7% | $0.61+38.6% | $0.60+27.7% | $0.19-60.4% | $0.36-23.4% | $0.44-4.3% |
| Diluted Shares (Avg) | 5M0.0% | 5M0.0% | N/A | 5M0.0% | 5M0.0% | 5M0.0% | N/A | 5M0.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BOTJ Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.0B+3.7% | $1.1B+4.9% | $1.0B+6.1% | $1.0B+1.2% | $1.0B+2.7% | $1.0B+2.7% | $979.2M+1.0% | $1.0B+4.9% |
| Cash & Equivalents | $35.5M-54.4% | $88.0M-7.3% | $84.5M+15.2% | $85.5M-21.8% | $77.9M+4.4% | $95.0M+7.8% | $73.3M-2.0% | $109.2M+9.7% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $2.1M0.0% | $2.1M0.0% | $2.1M0.0% | $2.1M0.0% | $2.1M0.0% | $2.1M0.0% | $2.1M0.0% | $2.1M0.0% |
| Total Liabilities | $958.2M+2.7% | $979.9M+3.9% | $959.0M+4.9% | $943.2M+0.4% | $932.6M+1.8% | $943.4M+2.0% | $914.4M+0.6% | $939.2M+3.1% |
| Total Equity | $83.2M+16.0% | $81.3M+18.9% | $80.0M+23.4% | $77.0M+11.8% | $71.7M+16.1% | $68.3M+13.1% | $64.9M+8.0% | $68.8M+37.3% |
| Retained Earnings | $55.1M+21.3% | $52.3M+21.2% | $50.0M+16.8% | $47.7M+14.6% | $45.4M+13.3% | $43.2M+12.4% | $42.8M+16.7% | $41.6M+19.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $632K-82.7% | $4.7M+521.1% | $2.0M+4.7% | $5.3M+6.0% | $3.7M+26.7% | $763K+162.0% | $1.9M-46.5% | $5.0M+47.3% |
| Depreciation & Amortization | $352K+4.1% | $346K+6.8% | $335K-17.5% | $331K+17.4% | $338K-2.3% | $324K-5.8% | $406K+23.8% | $282K-20.8% |
| Capital Expenditures | $300K+140.0% | $382K-38.6% | $633K+85.6% | -$215K-86.7% | $125K+10.6% | $622K+29.9% | $341K+255.2% | $1.6M+38.4% |
| Free Cash Flow | $332K-90.6% | $4.4M+2990.1% | $1.3M-13.2% | $5.1M+50.8% | $3.5M+27.4% | $141K+108.3% | $1.5M-54.9% | $3.4M+52.1% |
| Investing Cash Flow | -$31.1M-253.9% | -$20.0M-161.0% | -$19.7M-65.8% | -$6.3M-182.4% | -$8.8M-24.8% | -$7.7M-6281.5% | -$11.9M+54.1% | $7.6M-24.8% |
| Financing Cash Flow | -$22.0M-84.4% | $18.8M-34.2% | $16.7M+164.5% | $8.5M-61.2% | -$11.9M-28.4% | $28.6M+99.2% | -$25.9M-1003.7% | $22.0M+75.9% |
| Dividends Paid | $454K-0.2% | $455K0.0% | $453K-0.2% | $454K0.0% | $455K-0.4% | $455K+0.4% | $454K+25.8% | $454K+24.0% |
Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.
BOTJ Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 23.6%+1.7pp | 21.9%+14.2pp | 21.2%+7.1pp | 22.1%+4.5pp | 21.9%+2.9pp | 7.6%-13.7pp | 14.1%-5.9pp | 17.6%-2.1pp |
| Return on Equity | 3.9%+0.1pp | 3.4%+2.2pp | 3.4%+0.9pp | 3.6%+0.7pp | 3.8%+0.3pp | 1.2%-2.4pp | 2.5%-1.0pp | 2.9%-1.3pp |
| Return on Assets | 0.3%0.0pp | 0.3%+0.2pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.1%-0.1pp | 0.2%-0.1pp | 0.2%0.0pp |
| Debt-to-Equity | 11.52-1.5x | 12.06-1.7x | 11.98-2.1x | 12.25-1.4x | 13.01-1.8x | 13.80-1.5x | 14.10-1.0x | 13.64-4.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 2.4%-26.2pp | 34.3%+33.0pp | 10.4%-3.0pp | 40.5%+10.9pp | 28.6%+4.1pp | 1.3%+17.9pp | 13.4%-19.0pp | 29.6%+8.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Bank of the James Financial Group, Inc BOTJ | FY2025 | $48.7M | $9.0M | 18.5% | $123.4M | 52/100 |
| First US Bancshares, Inc. FUSB | FY2025 | $41.0M | $6.0M | 14.6% | $90.4M | 29/100 |
| First Northwest Bancorp FNWB | FY2025 | $68.9M | -$4.2M | -6.1% | $93.7M | 11/100 |
| Broadway Financial Corp/Del BYFC | FY2025 | $34.9M | -$24.8M | -71.0% | $107.7M | 20/100 |
| Auburn National Bancorporation AUBN | FY2025 | $32.8M | $7.3M | 22.1% | $92.8M | 42/100 |
| First Seacoast Bancorp, Inc. FSEA | FY2025 | $15.4M | -$845K | -5.5% | $81.2M | 25/100 |
Where Bank of the James Financial Group, Inc Ranks
Frequently Asked Questions
What is Bank of the James Financial Group, Inc's annual revenue?
Bank of the James Financial Group, Inc (BOTJ) reported $48.7M in total revenue for fiscal year 2025. This represents a 9.7% 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 Financial Group, Inc's revenue growing?
Bank of the James Financial Group, Inc (BOTJ) revenue grew by 9.7% year-over-year, from $44.4M to $48.7M in fiscal year 2025.
Is Bank of the James Financial Group, Inc profitable?
Yes, Bank of the James Financial Group, Inc (BOTJ) reported a net income of $9.0M in fiscal year 2025, with a net profit margin of 18.5%.
What is Bank of the James Financial Group, Inc's net profit margin?
Bank of the James Financial Group, Inc (BOTJ) had a net profit margin of 18.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Bank of the James Financial Group, Inc pay dividends?
Yes, Bank of the James Financial Group, Inc (BOTJ) paid $0.40 per share in dividends during fiscal year 2025.
What is Bank of the James Financial Group, Inc's return on equity (ROE)?
Bank of the James Financial Group, 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 Financial Group, Inc's free cash flow?
Bank of the James Financial Group, 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 Financial Group, Inc's operating cash flow?
Bank of the James Financial Group, 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 Financial Group, Inc's total assets?
Bank of the James Financial Group, 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 Financial Group, Inc's capital expenditures?
Bank of the James Financial Group, Inc (BOTJ) invested $1.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Bank of the James Financial Group, Inc's debt-to-equity ratio?
Bank of the James Financial Group, 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 Financial Group, Inc's return on assets (ROA)?
Bank of the James Financial Group, 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 Financial Group, Inc's P/E ratio?
Bank of the James Financial Group, Inc (BOTJ) trades at 10.7x earnings, its market capitalization divided by net income of $11.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $123.4M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Bank of the James Financial Group, Inc's price-to-sales ratio?
Bank of the James Financial Group, Inc (BOTJ) trades at 2.4x sales, its market capitalization divided by revenue of $51.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $123.4M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Bank of the James Financial Group, Inc's Piotroski F-Score?
Bank of the James Financial Group, 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 Financial Group, Inc's earnings high quality?
Bank of the James Financial Group, 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 Financial Group, Inc?
Bank of the James Financial Group, 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.