Bank Of The James Finl Gp Inc Financials
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).
Bank earnings are being shaped more by funding-cost relief and leverage mechanics than by reported revenue growth.
Between FY2024 and FY2025, net income rose to$9.0M while operating cash flow rose to$11.7M , so the profit rebound was backed by cash rather than only accounting marks. Meanwhile, interest expense dropped by about$1.6M even as overhead increased, which suggests the improvement came more from better funding economics than from broad cost cutting.
This institution earns only a thin return on assets: ROA was
The more meaningful structural shift is in the capital cushion, not headline scale: equity grew from
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 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.
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.
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
Earnings & Revenue
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.
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.
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
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.
Bank Of The James Finl Gp Inc held $84.5M in cash against $0 in long-term debt as of fiscal year 2025.
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.
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
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.
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
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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $994K-21.8% | $1.3M+21.5% | $1.0M+7.3% | $975K-0.6% | $981K-8.6% | $1.1M+8.3% | $991K+0.5% | $986K |
| 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 | $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+0.6% | $4.9M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $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+5.5% | $3.8M |
| Income Tax | $705K-8.0% | $766K+64.4% | $466K-32.9% | $694K+252.3% | $197K-56.4% | $452K-4.6% | $474K-8.5% | $518K |
| Net Income | $2.8M+1.9% | $2.7M-1.1% | $2.8M+1.7% | $2.7M+221.3% | $842K-48.0% | $1.6M-18.7% | $2.0M-7.4% | $2.1M |
| EPS (Diluted) | $0.61 | N/A | $0.61+1.7% | $0.60+215.8% | $0.19 | N/A | $0.44-6.4% | $0.47 |
BOTJ Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $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+3.1% | $978.0M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $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+46.3% | $74.6M |
| 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 | $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+2.5% | $916.3M |
| 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 | $81.3M+1.5% | $80.0M+4.0% | $77.0M+7.4% | $71.7M+4.9% | $68.3M+5.4% | $64.9M-5.8% | $68.8M+11.5% | $61.7M |
| Retained Earnings | $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+3.8% | $40.1M |
BOTJ Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $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+72.4% | $2.9M |
| Capital Expenditures | $382K-39.7% | $633K+394.4% | -$215K-272.0% | $125K-79.9% | $622K+82.4% | $341K-78.9% | $1.6M+1331.0% | $113K |
| Free Cash Flow | $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+21.0% | $2.8M |
| Investing Cash Flow | -$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+208.1% | -$7.0M |
| Financing Cash Flow | $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+336.8% | -$9.3M |
| Dividends Paid | $455K+0.4% | $453K-0.2% | $454K-0.2% | $455K0.0% | $455K+0.2% | $454K0.0% | $454K-0.7% | $457K |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
BOTJ Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 279.1%+64.8pp | 214.2%-48.9pp | 263.1%-14.3pp | 277.4%+191.6pp | 85.8%-65.0pp | 150.8%-50.0pp | 200.8%-17.0pp | 217.9% |
| Return on Equity | 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%-0.6pp | 3.5% |
| Return on Assets | 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%-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 | 12.06+0.1 | 11.98-0.3 | 12.25-0.8 | 13.01-0.8 | 13.80-0.3 | 14.10+0.5 | 13.64-1.2 | 14.85 |
| FCF Margin | 438.3%+332.8pp | 105.5%-377.8pp | 483.3%+121.4pp | 361.9%+347.5pp | 14.4%-129.6pp | 144.0%-194.4pp | 338.4%+57.4pp | 280.9% |
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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.
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 51 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.