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Bank of the James Financial Group (BOTJ) Financials

Bank of the James Financial Group logo
$26.94 -0.22 (-0.81%)
Closing price 10/9/2026 04:00 PM Eastern
Extended Trading
$27.09 +0.15 (+0.56%)
As of 10/9/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Bank of the James Financial Group

Annual Income Statements for Bank of the James Financial Group

This table shows Bank of the James Financial Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 3.69 3.29 2.92 5.30 5.61 4.98 7.59 8.96 8.70 7.94 9.02
Consolidated Net Income / (Loss)		 3.69 3.29 2.92 5.30 5.61 4.98 7.59 8.96 8.70 7.94 9.02
Net Income / (Loss) Continuing Operations		 3.69 3.29 2.92 5.30 5.61 4.98 7.59 8.96 8.70 7.94 9.02
Total Pre-Tax Income 		5.34 4.81 5.36 6.63 6.93 6.18 9.45 11 10 9.92 11
Total Revenue		 22 24 25 28 32 36 38 43 43 44 49
Net Interest Income / (Expense)		 18 19 21 23 25 25 27 30 30 29 33
Total Interest Income		 20 22 24 27 30 30 29 32 39 45 47
Loans and Leases Interest Income		 19 20 22 25 28 28 27 26 31 35 37
Investment Securities Interest Income		 0.89 1.02 1.37 1.52 1.48 1.47 2.51 4.68 5.03 5.73 5.82
Deposits and Money Market Investments Interest Income		 0.01 0.03 0.08 0.23 0.33 0.09 0.03 0.28 0.50 0.78 0.56
Federal Funds Sold and Securities Borrowed Interest Income		 0.02 0.03 0.13 0.39 0.45 0.10 0.11 0.72 2.46 3.63 3.02
Total Interest Expense		 2.69 2.34 2.99 3.80 5.26 4.54 2.10 2.15 9.62 15 14
Deposits Interest Expense		 2.06 2.33 2.79 3.58 4.99 4.15 1.67 1.29 8.87 15 13
Long-Term Debt Interest Expense		 0.63 0.01 0.19 0.22 0.20 0.27 0.33 0.77 0.76 0.70 0.55
Total Non-Interest Income		 4.19 4.80 4.73 5.24 7.19 11 11 13 13 15 16
Other Service Charges		 1.60 1.58 1.84 1.98 1.86 2.08 2.51 3.61 4.18 5.02 4.86
Net Realized & Unrealized Capital Gains on Investments		 2.33 2.93 2.55 2.92 4.65 8.46 8.27 5.25 3.94 4.56 4.88
Investment Banking Income		 - - - - - - 0.00 3.93 4.20 4.84 5.35
Other Non-Interest Income		 0.27 0.29 0.35 0.34 0.68 0.44 0.43 0.45 0.55 0.72 0.77
Provision for Credit Losses		 0.28 1.61 0.99 0.72 0.52 2.55 -0.50 -0.90 -0.18 -0.66 -0.04
Total Non-Interest Expense		 16 18 19 21 24 27 29 33 33 35 38
Salaries and Employee Benefits		 8.73 9.23 10 11 13 15 16 18 18 19 21
Net Occupancy & Equipment Expense		 2.48 2.60 3.01 3.12 3.76 3.99 4.20 4.37 4.24 4.46 4.90
Marketing Expense		 0.47 0.69 0.74 0.61 0.87 0.67 0.93 0.92 0.92 0.77 0.87
Property & Liability Insurance Claims		 0.33 0.36 0.38 0.40 0.23 0.34 0.55 0.50 0.42 0.44 0.52
Other Operating Expenses		 4.18 4.72 4.91 5.65 6.34 6.97 7.28 8.71 8.06 9.66 9.81
Amortization Expense		 - - - - - - 0.00 0.56 0.56 0.56 0.56
Income Tax Expense		 1.65 1.53 2.44 1.33 1.33 1.20 1.86 2.15 1.58 1.98 2.12
Basic Earnings per Share		 $1.07 $0.75 $0.67 $1.21 $1.28 $1.04 $1.60 $1.91 $1.91 $1.75 $1.99
Weighted Average Basic Shares Outstanding		 3.45M 4.38M 4.38M 4.38M 4.38M 4.78M 4.75M 4.70M 4.56M 4.54M 4.54M
Diluted Earnings per Share		 $1.07 $0.75 $0.67 $1.21 $1.28 $1.04 $1.60 $1.91 $1.91 $1.75 $1.99
Weighted Average Diluted Shares Outstanding		 3.45M 4.38M 4.38M 4.38M 4.38M 4.78M 4.75M 4.70M 4.56M 4.54M 4.54M
Weighted Average Basic & Diluted Shares Outstanding		 3.45M 4.38M 4.38M 4.38M 4.34M 4.32M 4.74M 4.58M - 4.54M 4.54M
Cash Dividends to Common per Share		 $0.22 $0.24 $0.24 $0.24 $0.28 $0.28 $0.28 $0.29 $0.32 $0.40 $0.40

Quarterly Income Statements for Bank of the James Financial Group

This table shows Bank of the James Financial Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.11 2.19 2.15 1.99 1.62 0.84 2.70 2.75 2.72 2.77 3.24
Consolidated Net Income / (Loss)		 2.11 2.19 2.15 1.99 1.62 0.84 2.70 2.75 2.72 2.77 3.24
Net Income / (Loss) Continuing Operations		 2.11 2.19 2.15 1.99 1.62 0.84 2.70 2.75 2.72 2.77 3.24
Total Pre-Tax Income 		2.05 2.72 2.67 2.46 2.07 1.04 3.40 3.22 3.49 3.48 4.07
Total Revenue		 11 10 11 11 12 11 12 12 13 13 14
Net Interest Income / (Expense)		 7.39 6.95 7.09 7.51 7.69 7.72 8.25 8.30 8.54 8.73 9.25
Total Interest Income		 11 11 11 12 12 11 12 12 12 12 12
Loans and Leases Interest Income		 8.13 8.02 8.35 9.00 9.13 8.91 9.34 9.49 9.52 9.43 9.74
Investment Securities Interest Income		 1.43 1.60 1.56 1.28 1.30 1.32 1.45 1.47 1.58 1.70 2.01
Deposits and Money Market Investments Interest Income		 0.12 0.13 0.19 0.30 0.15 0.12 0.13 0.15 0.16 0.10 0.13
Federal Funds Sold and Securities Borrowed Interest Income		 0.86 0.75 0.83 0.98 1.06 0.89 0.72 0.66 0.76 0.62 0.41
Total Interest Expense		 3.15 3.56 3.84 4.05 3.95 3.52 3.39 3.47 3.47 3.12 3.03
Deposits Interest Expense		 3.01 3.37 3.65 3.86 3.75 3.34 3.22 3.39 3.28 3.00 2.91
Long-Term Debt Interest Expense		 0.18 0.17 0.18 0.17 0.18 0.17 0.17 0.07 0.15 0.12 0.13
Total Non-Interest Income		 3.18 3.31 4.19 3.82 3.82 3.28 4.08 4.17 4.33 3.96 4.48
Other Service Charges		 1.06 1.06 1.52 1.02 1.42 1.00 1.00 1.34 1.51 1.01 1.20
Net Realized & Unrealized Capital Gains on Investments		 0.87 0.93 1.31 1.37 0.95 0.84 1.59 1.27 1.19 1.20 1.53
Investment Banking Income		 1.10 1.16 1.18 1.24 1.26 1.26 1.30 1.36 1.43 1.41 1.47
Other Non-Interest Income		 0.14 0.16 0.18 0.19 0.19 0.19 0.19 0.20 0.20 0.34 0.28
Provision for Credit Losses		 0.10 -0.55 -0.12 0.09 -0.07 0.14 -0.53 0.09 0.27 -0.15 0.35
Total Non-Interest Expense		 8.42 8.09 8.74 8.78 9.50 9.83 9.46 9.16 9.11 9.37 9.31
Salaries and Employee Benefits		 5.02 4.45 4.89 4.92 5.04 4.78 5.36 5.52 5.31 5.50 5.51
Net Occupancy & Equipment Expense		 1.03 1.10 1.12 1.15 1.09 1.24 1.15 1.22 1.29 1.36 1.23
Marketing Expense		 0.24 0.03 0.23 0.22 0.29 0.20 0.24 0.25 0.18 0.19 0.26
Property & Liability Insurance Claims		 0.10 0.11 0.13 0.09 0.11 0.14 0.12 0.13 0.12 0.14 0.12
Other Operating Expenses		 1.87 2.28 2.25 2.27 2.85 3.33 2.45 1.92 2.11 2.05 2.06
Amortization Expense		 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14
Income Tax Expense		 -0.06 0.54 0.52 0.47 0.45 0.20 0.69 0.47 0.77 0.71 0.83
Basic Earnings per Share		 $0.46 $0.48 $0.47 $0.44 $0.36 $0.19 $0.60 $0.61 $0.59 $0.61 $0.71
Weighted Average Basic Shares Outstanding		 4.56M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M
Diluted Earnings per Share		 $0.46 $0.48 - $0.44 - $0.19 $0.60 $0.61 - $0.61 $0.71
Weighted Average Diluted Shares Outstanding		 4.56M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M
Weighted Average Basic & Diluted Shares Outstanding		 0.00 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M

Annual Cash Flow Statements for Bank of the James Financial Group

This table details how cash moves in and out of Bank of the James Financial Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 16 0.03 8.34 13 -11 62 82 -121 13 -1.53 11
Net Cash From Operating Activities		 3.35 2.79 6.72 8.57 5.59 5.20 16 9.31 9.49 8.51 12
Net Cash From Continuing Operating Activities		 3.35 2.79 6.72 8.57 5.59 5.20 16 9.31 9.49 8.51 12
Net Income / (Loss) Continuing Operations		 3.69 3.29 2.92 5.30 5.61 4.98 7.59 8.96 8.70 7.94 9.02
Consolidated Net Income / (Loss)		 3.69 3.29 2.92 5.30 5.61 4.98 7.59 8.96 8.70 7.94 9.02
Provision For Loan Losses		 0.28 1.61 0.99 0.72 0.52 2.55 -0.50 -0.90 -0.18 -0.66 -0.04
Depreciation Expense		 0.77 0.77 0.81 0.93 1.67 2.03 2.06 2.05 1.41 1.38 1.33
Amortization Expense		 0.11 0.28 0.39 0.41 0.40 0.41 0.52 1.08 2.01 1.14 0.77
Non-Cash Adjustments to Reconcile Net Income		 -1.13 -3.07 1.57 0.71 -3.23 -4.29 5.35 -1.08 0.29 -3.14 -0.68
Changes in Operating Assets and Liabilities, net		 -0.37 -0.09 0.03 0.51 0.63 -0.48 1.33 -0.80 -2.74 1.85 1.25
Net Cash From Investing Activities		 -50 -47 -47 -39 -53 -62 -65 -88 -23 -11 -42
Net Cash From Continuing Investing Activities		 -50 -47 -47 -39 -53 -62 -65 -88 -23 -11 -42
Purchase of Property, Leasehold Improvements and Equipment		 -1.54 -1.71 -1.96 -2.30 -4.40 -1.75 -2.91 -1.19 -1.57 -2.55 -1.17
Purchase of Investment Securities		 -65 -80 -58 -42 -62 -85 -71 -106 -37 -56 -69
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 0.03 - 0.00 0.05
Sale and/or Maturity of Investments		 16 35 14 5.09 13 24 8.73 19 15 47 28
Net Cash From Financing Activities		 63 44 48 44 36 119 131 -43 27 1.14 42
Net Cash From Continuing Financing Activities		 63 44 48 44 36 119 131 -43 27 1.14 42
Net Change in Deposits		 68 56 44 45 37 116 122 -39 30 3.95 55
Repayment of Debt		 -12 -10 - - 0.00 -5.41 -0.41 -0.89 -0.94 -0.99 -11
Payment of Dividends		 -0.80 -1.05 -1.05 -1.05 -1.23 -1.22 -1.27 -1.37 -1.46 -1.82 -1.82
Cash Interest Paid		 2.69 2.32 2.97 3.78 5.22 4.63 2.14 2.11 9.23 15 13
Cash Income Taxes Paid		 1.88 2.10 1.83 1.28 0.12 1.59 2.55 2.18 1.87 1.85 2.34

Quarterly Cash Flow Statements for Bank of the James Financial Group

This table details how cash moves in and out of Bank of the James Financial Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -25 13 -13 35 -36 22 -17 7.54 -0.98 3.52 -52
Net Cash From Operating Activities		 3.52 -1.23 2.88 4.97 1.89 0.76 3.65 5.27 1.97 4.74 0.63
Net Cash From Continuing Operating Activities		 3.52 -1.23 2.88 4.97 1.89 0.76 3.65 5.27 1.97 4.74 0.63
Net Income / (Loss) Continuing Operations		 2.11 2.19 2.15 1.99 1.62 0.84 2.70 2.75 2.72 2.77 3.24
Consolidated Net Income / (Loss)		 2.11 2.19 2.15 1.99 1.62 0.84 2.70 2.75 2.72 2.77 3.24
Provision For Loan Losses		 0.10 -0.55 -0.12 0.09 -0.07 0.14 -0.53 0.09 0.27 -0.15 0.35
Depreciation Expense		 0.33 0.34 0.35 0.28 0.41 0.32 0.34 0.33 0.34 0.35 0.35
Amortization Expense		 2.16 0.25 0.32 0.37 0.21 0.23 0.19 0.19 0.17 0.14 0.13
Non-Cash Adjustments to Reconcile Net Income		 1.57 -3.54 -0.42 1.37 -0.55 -1.31 0.32 0.21 0.10 0.39 -2.99
Changes in Operating Assets and Liabilities, net		 -2.74 0.09 0.61 0.87 0.27 0.54 0.62 1.70 -1.61 1.24 -0.45
Net Cash From Investing Activities		 -26 0.12 -7.04 7.61 -12 -7.67 -8.78 -6.27 -20 -20 -31
Net Cash From Continuing Investing Activities		 -26 0.12 -7.04 7.61 -12 -7.67 -8.78 -6.27 -20 -20 -31
Purchase of Property, Leasehold Improvements and Equipment		 -0.10 -0.48 -0.11 -1.62 -0.34 -0.62 -0.13 0.22 -0.63 -0.38 -0.30
Purchase of Investment Securities		 -32 -7.46 -19 -14 -15 -22 -8.86 -15 -23 -21 -39
Sale and/or Maturity of Investments		 5.73 8.06 12 24 3.60 15 0.20 8.10 4.23 1.69 7.73
Net Cash From Financing Activities		 -2.35 14 -9.29 22 -26 29 -12 8.55 17 19 -22
Net Cash From Continuing Financing Activities		 -2.35 14 -9.29 22 -26 29 -12 8.55 17 19 -22
Net Change in Deposits		 -1.74 15 -8.59 23 -25 29 -1.16 9.27 17 19 -21
Repayment of Debt		 -0.24 -0.24 -0.24 -0.25 -0.26 -0.27 -10 -0.27 -0.15 -0.18 -0.17
Payment of Dividends		 -0.36 -0.45 -0.46 -0.45 -0.45 -0.46 -0.46 -0.45 -0.45 -0.46 -0.45
Cash Interest Paid		 3.05 3.54 3.79 3.85 3.99 3.55 3.22 3.04 3.60 3.16 3.04

Annual Balance Sheets for Bank of the James Financial Group

This table presents Bank of the James Financial Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 527 574 626 675 725 851 988 929 969 979 1,039
Cash and Due from Banks		 16 17 20 27 31 32 29 30 26 23 29
Federal Funds Sold		 13 12 17 24 8.32 69 154 32 49 50 56
Trading Account Securities		 39 44 61 56 63 94 165 189 220 192 218
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 605 602 637 661
Loans Held for Sale		 432 468 494 532 577 609 578 2.42 1.26 3.62 3.47
Premises and Equipment, Net		 10 11 12 13 17 17 18 18 18 19 19
Goodwill		 - - - - - - 3.00 2.05 2.05 2.05 2.05
Intangible Assets		 - - - - - - 8.41 7.85 7.29 6.73 6.16
Other Assets		 18 22 23 23 29 31 32 42 44 46 45
Total Liabilities & Shareholders' Equity		 527 574 626 675 725 851 988 929 969 979 1,039
Total Liabilities		 479 525 575 620 664 785 918 878 909 914 959
Non-Interest Bearing Deposits		 91 62 74 91 94 143 162 155 134 130 131
Interest Bearing Deposits		 376 461 493 521 556 622 725 693 744 753 806
Accrued Interest Payable		 0.06 0.09 0.11 0.13 0.17 0.09 0.05 0.09 0.48 0.72 1.17
Long-Term Debt		 10 - 5.00 5.00 5.00 10 21 20 20 19 8.80
Other Long-Term Liabilities		 1.28 1.57 2.07 2.58 9.32 9.58 10 9.62 10 12 12
Total Equity & Noncontrolling Interests		 48 49 52 55 61 67 69 50 60 65 80
Total Preferred & Common Equity		 48 49 52 55 61 67 69 50 60 65 80
Total Common Equity		 48 49 52 55 61 67 69 50 60 65 80
Common Stock		 41 41 41 41 41 40 47 46 45 45 45
Retained Earnings		 7.92 10 12 17 21 25 23 31 37 43 50
Accumulated Other Comprehensive Income / (Loss)		 -0.59 -1.60 -1.47 -2.24 -0.01 1.79 -1.39 -27 -22 -23 -15

Quarterly Balance Sheets for Bank of the James Financial Group

This table presents Bank of the James Financial Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 961 985 978 1,008 1,012 1,004 1,020 1,061 1,041
Cash and Due from Banks		 20 25 23 23 26 23 28 25 25
Federal Funds Sold		 79 63 52 87 69 55 57 63 11
Trading Account Securities		 186 218 210 196 196 200 206 248 240
Loans and Leases, Net of Allowance		 600 601 616 627 642 649 653 649 686
Loans Held for Sale		 3.33 4.64 4.84 3.24 4.74 4.23 3.77 2.88 5.65
Premises and Equipment, Net		 18 18 18 19 19 19 19 19 19
Goodwill		 2.05 2.05 2.05 2.05 2.05 2.05 2.05 2.05 2.05
Intangible Assets		 7.43 7.15 7.01 6.87 6.59 6.45 6.31 6.02 5.88
Other Assets		 45 45 46 44 45 45 44 46 47
Total Liabilities & Shareholders' Equity		 961 985 978 1,008 1,012 1,004 1,020 1,061 1,041
Total Liabilities		 911 924 916 939 943 933 943 980 958
Non-Interest Bearing Deposits		 155 144 136 132 139 138 133 145 136
Interest Bearing Deposits		 726 750 749 775 773 773 787 812 799
Accrued Interest Payable		 0.38 0.52 0.55 0.76 0.69 0.86 1.29 1.13 1.12
Long-Term Debt		 20 20 20 19 19 8.99 8.84 8.73 8.67
Other Long-Term Liabilities		 10 11 11 11 12 12 13 13 13
Total Equity & Noncontrolling Interests		 50 60 62 69 68 72 77 81 83
Total Preferred & Common Equity		 50 60 62 69 68 72 77 81 83
Total Common Equity		 50 60 62 69 68 72 77 81 83
Common Stock		 45 45 45 45 45 45 45 45 45
Retained Earnings		 35 38 40 42 43 45 48 52 55
Accumulated Other Comprehensive Income / (Loss)		 -30 -23 -23 -18 -20 -19 -16 -16 -17

Annual Metrics And Ratios for Bank of the James Financial Group

This table displays calculated financial ratios and metrics derived from Bank of the James Financial Group's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 3,371,616.00 4,378,436.00 4,378,436.00 4,378,436.00 4,372,436.00 4,339,436.00 4,740,657.00 4,628,657.00 4,543,338.00 4,543,338.00 4,543,338.00
DEI Adjusted Shares Outstanding		 3,708,778.00 4,816,280.00 4,816,280.00 4,816,280.00 4,809,680.00 4,773,380.00 4,740,657.00 4,628,657.00 4,543,338.00 4,543,338.00 4,543,338.00
DEI Earnings Per Adjusted Shares Outstanding		 1.00 0.68 0.61 1.10 1.17 1.04 1.60 1.94 1.92 1.75 1.99
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 9.07% 10.16% 5.75% 11.86% 11.72% 13.80% 6.00% 12.17% -0.79% 4.14% 9.66%
EBITDA Growth		 9.24% -5.85% 11.97% 21.61% 12.84% -4.26% 39.64% 18.35% -3.80% -9.19% 6.50%
EBIT Growth		 13.66% -9.92% 11.37% 23.71% 4.57% -10.89% 52.95% 17.55% -7.48% -3.46% 12.31%
NOPAT Growth		 8.17% -11.00% -11.08% 81.45% 5.71% -11.15% 52.39% 18.05% -2.85% -8.73% 13.57%
Net Income Growth		 8.17% -11.00% -11.08% 81.45% 5.71% -11.15% 52.39% 18.05% -2.85% -8.73% 13.57%
EPS Growth		 5.94% -29.91% -10.67% 80.60% 5.79% -11.15% 53.85% 19.38% 0.00% -8.38% 13.71%
Operating Cash Flow Growth		 -40.50% -16.79% 141.18% 27.63% -34.77% -7.03% 214.46% -43.04% 1.93% -10.36% 37.03%
Free Cash Flow Firm Growth		 119.60% 430.85% -135.83% 142.20% -138.21% -665.28% -14.30% 570.46% -101.91% 776.78% 18.61%
Invested Capital Growth		 2.50% -15.08% 14.66% 6.14% 10.48% 15.52% 17.83% -21.81% 13.08% 5.30% 5.50%
Revenue Q/Q Growth		 1.43% 2.33% 2.57% 2.11% 2.96% 4.55% -0.32% 3.15% -1.04% 2.15% 2.88%
EBITDA Q/Q Growth		 -4.62% -13.48% 29.61% 3.44% 4.71% 1.42% 3.66% 4.21% 6.25% -12.98% 10.94%
EBIT Q/Q Growth		 -5.15% -13.01% 29.69% 3.58% -0.37% 4.71% 1.97% 0.96% -3.24% 0.19% 14.59%
NOPAT Q/Q Growth		 -3.30% -13.93% 2.35% 26.63% 0.81% 3.97% 2.00% 1.07% 1.80% -5.80% 13.96%
Net Income Q/Q Growth		 -3.30% -13.93% 2.35% 26.63% 0.81% 3.97% 2.00% 1.07% 1.80% -5.80% 13.96%
EPS Q/Q Growth		 -4.46% -17.58% 3.08% 24.74% 1.59% 3.97% 3.90% 1.60% 1.60% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 21.36% -53.07% 12.63% 37.43% -0.97% 195.40% 8.96% -27.14% -4.30% -16.13% 0.76%
Free Cash Flow Firm Q/Q Growth		 8.40% 31,025.64% -47.91% -36.27% 70.49% -7.13% -241.30% 52.37% -107.47% 138.20% -57.91%
Invested Capital Q/Q Growth		 23.41% -3.12% -0.22% 3.49% 0.61% 1.25% 14.58% 2.53% 13.92% -4.65% 3.54%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 28.53% 24.38% 25.82% 28.07% 28.35% 23.85% 31.42% 33.15% 32.15% 28.03% 27.22%
EBIT Margin		 24.50% 20.04% 21.10% 23.34% 21.85% 17.11% 24.68% 25.87% 24.13% 22.36% 22.90%
Profit (Net Income) Margin		 16.93% 13.68% 11.50% 18.66% 17.66% 13.79% 19.82% 20.86% 20.43% 17.90% 18.54%
Tax Burden Percent		 69.10% 68.27% 54.51% 79.96% 80.83% 80.60% 80.30% 80.64% 84.68% 80.06% 80.95%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 30.90% 31.73% 45.49% 20.04% 19.17% 19.40% 19.70% 19.36% 15.32% 19.94% 19.05%
Return on Invested Capital (ROIC)		 6.42% 6.11% 5.51% 9.08% 8.86% 6.96% 9.08% 11.12% 11.55% 9.68% 10.43%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.42% 6.11% 5.51% 9.08% 8.86% 6.96% 9.08% 11.12% 11.55% 9.68% 10.43%
Return on Net Nonoperating Assets (RNNOA)		 2.48% 0.63% 0.27% 0.85% 0.76% 0.82% 2.07% 3.86% 4.24% 3.04% 2.03%
Return on Equity (ROE)		 8.90% 6.73% 5.78% 9.93% 9.62% 7.77% 11.15% 14.97% 15.79% 12.72% 12.45%
Cash Return on Invested Capital (CROIC)		 3.95% 22.41% -8.15% 3.12% -1.10% -7.45% -7.29% 35.60% -0.73% 4.51% 5.07%
Operating Return on Assets (OROA)		 1.08% 0.87% 0.89% 1.02% 0.99% 0.78% 1.03% 1.16% 1.08% 1.02% 1.10%
Return on Assets (ROA)		 0.75% 0.60% 0.49% 0.81% 0.80% 0.63% 0.83% 0.94% 0.92% 0.82% 0.89%
Return on Common Equity (ROCE)		 8.90% 6.73% 5.78% 9.93% 9.62% 7.77% 11.15% 14.97% 15.79% 12.72% 12.45%
Return on Equity Simple (ROE_SIMPLE)		 7.66% 6.65% 5.66% 9.62% 9.12% 7.46% 10.93% 17.84% 14.50% 12.25% 11.27%
Net Operating Profit after Tax (NOPAT)		 3.69 3.29 2.92 5.30 5.61 4.98 7.59 8.96 8.70 7.94 9.02
NOPAT Margin		 16.93% 13.68% 11.50% 18.66% 17.66% 13.79% 19.82% 20.86% 20.43% 17.90% 18.54%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.53% 52.10% 54.20% 52.84% 55.83% 55.60% 56.18% 53.48% 55.07% 55.27% 54.93%
Operating Expenses to Revenue		 74.20% 73.25% 74.99% 74.14% 76.51% 75.84% 76.62% 76.23% 76.30% 79.11% 77.17%
Earnings before Interest and Taxes (EBIT)		 5.34 4.81 5.36 6.63 6.93 6.18 9.45 11 10 9.92 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6.22 5.86 6.56 7.97 9.00 8.62 12 14 14 12 13
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.72 1.09 1.04 0.86 0.93 0.69 0.94 1.00 0.87 1.08 1.05
Price to Tangible Book Value (P/TBV)		 0.72 1.09 1.04 0.86 0.93 0.69 1.12 1.24 1.03 1.25 1.17
Price to Revenue (P/Rev)		 1.59 2.24 2.12 1.68 1.79 1.27 1.70 1.17 1.22 1.57 1.73
Price to Earnings (P/E)		 9.38 16.37 18.41 8.98 10.16 9.23 8.59 5.60 5.98 8.79 9.31
Dividend Yield		 2.14% 1.95% 1.95% 2.21% 1.69% 2.64% 1.94% 2.68% 2.79% 2.60% 2.16%
Earnings Yield		 10.66% 6.11% 5.43% 11.14% 9.84% 10.84% 11.64% 17.87% 16.72% 11.38% 10.74%
Enterprise Value to Invested Capital (EV/IC)		 0.27 0.51 0.38 0.04 0.34 0.00 0.00 0.13 0.00 0.19 0.09
Enterprise Value to Revenue (EV/Rev)		 0.73 1.05 0.86 0.08 0.72 0.00 0.00 0.21 0.00 0.36 0.17
Enterprise Value to EBITDA (EV/EBITDA)		 2.57 4.29 3.32 0.29 2.54 0.00 0.00 0.62 0.00 1.28 0.63
Enterprise Value to EBIT (EV/EBIT)		 2.99 5.22 4.06 0.34 3.29 0.00 0.00 0.80 0.00 1.60 0.75
Enterprise Value to NOPAT (EV/NOPAT)		 4.33 7.64 7.45 0.43 4.07 0.00 0.00 0.99 0.00 2.00 0.92
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.78 9.02 3.24 0.27 4.08 0.00 0.00 0.95 0.00 1.86 0.71
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.04 2.08 0.00 1.25 0.00 0.00 0.00 0.31 0.00 4.29 1.90
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.21 0.00 0.10 0.09 0.08 0.15 0.30 0.41 0.33 0.30 0.11
Long-Term Debt to Equity		 0.21 0.00 0.10 0.09 0.08 0.15 0.30 0.41 0.33 0.30 0.11
Financial Leverage		 0.39 0.10 0.05 0.09 0.09 0.12 0.23 0.35 0.37 0.31 0.19
Leverage Ratio		 11.91 11.28 11.88 12.18 12.01 12.30 13.51 16.01 17.21 15.60 13.93
Compound Leverage Factor		 11.91 11.28 11.88 12.18 12.01 12.30 13.51 16.01 17.21 15.60 13.93
Debt to Total Capital		 17.18% 0.00% 8.82% 8.31% 7.53% 13.06% 23.24% 28.98% 24.92% 22.98% 9.90%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 17.18% 0.00% 8.82% 8.31% 7.53% 13.06% 23.24% 28.98% 24.92% 22.98% 9.90%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 82.82% 100.00% 91.18% 91.69% 92.48% 86.94% 76.76% 71.02% 75.08% 77.02% 90.10%
Debt to EBITDA		 1.61 0.00 0.76 0.63 0.56 1.16 1.75 1.44 1.46 1.56 0.66
Net Debt to EBITDA		 -3.00 0.00 -4.88 -5.68 -3.79 -10.55 -13.48 -2.90 -4.01 -4.34 -5.71
Long-Term Debt to EBITDA		 1.61 0.00 0.76 0.63 0.56 1.16 1.75 1.44 1.46 1.56 0.66
Debt to NOPAT		 2.71 0.00 1.71 0.94 0.89 2.01 2.77 2.29 2.29 2.44 0.98
Net Debt to NOPAT		 -5.05 0.00 -10.96 -8.55 -6.09 -18.24 -21.36 -4.61 -6.31 -6.79 -8.39
Long-Term Debt to NOPAT		 2.71 0.00 1.71 0.94 0.89 2.01 2.77 2.29 2.29 2.44 0.98
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 2.27 12 -4.32 1.82 -0.70 -5.33 -6.10 29 -0.55 3.70 4.39
Operating Cash Flow to CapEx		 217.76% 163.15% 342.88% 372.58% 127.15% 296.92% 562.01% 802.07% 603.05% 333.69% 1,042.00%
Free Cash Flow to Firm to Interest Expense		 0.84 5.15 -1.44 0.48 -0.13 -1.17 -2.90 13.34 -0.06 0.24 0.32
Operating Cash Flow to Interest Expense		 1.24 1.19 2.24 2.26 1.06 1.15 7.78 4.33 0.99 0.55 0.84
Operating Cash Flow Less CapEx to Interest Expense		 0.67 0.46 1.59 1.65 0.23 0.76 6.39 3.79 0.82 0.39 0.76
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.05 0.05 0.04 0.04 0.04 0.05 0.05
Fixed Asset Turnover		 2.26 2.29 2.21 2.23 2.11 2.15 2.17 2.36 2.36 2.37 2.53
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 58 49 57 60 66 77 90 71 80 84 89
Invested Capital Turnover		 0.38 0.45 0.48 0.49 0.50 0.50 0.46 0.53 0.57 0.54 0.56
Increase / (Decrease) in Invested Capital		 1.42 -8.78 7.24 3.48 6.30 10 14 -20 9.25 4.24 4.63
Enterprise Value (EV)		 16 25 22 2.28 23 -45 -97 8.87 -2.85 16 8.33
Market Capitalization		 35 54 54 48 57 46 65 50 52 70 84
Book Value per Share		 $14.29 $11.29 $11.80 $12.59 $14.05 $15.38 $14.65 $10.85 $13.21 $14.28 $17.62
Tangible Book Value per Share		 $14.29 $11.29 $11.80 $12.59 $14.05 $15.38 $12.24 $8.71 $11.16 $12.34 $15.81
Total Capital		 58 49 57 60 66 77 90 71 80 84 89
Total Debt		 10 0.00 5.00 5.00 5.00 10 21 20 20 19 8.80
Total Long-Term Debt		 10 0.00 5.00 5.00 5.00 10 21 20 20 19 8.80
Net Debt		 -19 -29 -32 -45 -34 -91 -162 -41 -55 -54 -76
Capital Expenditures (CapEx)		 1.54 1.71 1.96 2.30 4.40 1.75 2.91 1.16 1.57 2.55 1.12
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 10 0.00 5.00 5.00 5.00 10 21 20 20 19 8.80
Total Depreciation and Amortization (D&A)		 0.88 1.04 1.20 1.34 2.06 2.44 2.58 3.13 3.42 2.52 2.10
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.97 $0.68 $0.61 $1.10 $1.16 $1.05 $1.60 $1.91 $1.91 $1.75 $1.99
Adjusted Weighted Average Basic Shares Outstanding		 3.80M 4.82M 4.82M 4.82M 4.81M 4.78M 4.75M 4.70M 4.56M 4.54M 4.54M
Adjusted Diluted Earnings per Share		 $0.97 $0.68 $0.61 $1.10 $1.16 $1.05 $1.60 $1.91 $1.91 $1.75 $1.99
Adjusted Weighted Average Diluted Shares Outstanding		 3.80M 4.82M 4.82M 4.82M 4.82M 4.78M 4.75M 4.70M 4.56M 4.54M 4.54M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $1.16 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.82M 4.82M 4.82M 4.82M 4.77M 4.76M 4.74M 4.58M 0.00 4.54M 4.54M
Normalized Net Operating Profit after Tax (NOPAT)		 3.69 3.29 2.92 5.30 5.61 4.98 7.59 8.96 8.70 7.94 9.02
Normalized NOPAT Margin		 16.93% 13.68% 11.50% 18.66% 17.66% 13.79% 19.82% 20.86% 20.43% 17.90% 18.54%
Pre Tax Income Margin		 24.50% 20.04% 21.10% 23.34% 21.85% 17.11% 24.68% 25.87% 24.13% 22.36% 22.90%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.99 2.05 1.79 1.75 1.32 1.36 4.50 5.17 1.07 0.64 0.80
NOPAT to Interest Expense		 1.37 1.40 0.98 1.40 1.06 1.10 3.61 4.17 0.90 0.52 0.65
EBIT Less CapEx to Interest Expense		 1.41 1.33 1.14 1.14 0.48 0.98 3.11 4.63 0.90 0.48 0.72
NOPAT Less CapEx to Interest Expense		 0.80 0.67 0.32 0.79 0.23 0.71 2.23 3.63 0.74 0.35 0.57
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 21.75% 31.95% 35.93% 19.80% 21.87% 24.40% 16.75% 15.24% 16.79% 22.89% 20.14%
Augmented Payout Ratio		 21.75% 31.95% 35.93% 19.80% 27.49% 29.92% 22.37% 30.89% 28.24% 22.89% 20.14%

Quarterly Metrics And Ratios for Bank of the James Financial Group

This table displays calculated financial ratios and metrics derived from Bank of the James Financial Group's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00
DEI Adjusted Shares Outstanding		 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00 4,543,338.00
DEI Earnings Per Adjusted Shares Outstanding		 0.46 0.48 0.47 0.44 0.36 0.19 0.60 0.61 0.60 0.61 0.71
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -4.06% -4.01% 4.57% 7.26% 8.85% 7.26% 9.24% 10.03% 11.83% 15.42% 11.40%
EBITDA Growth		 21.59% 3.24% -10.80% 40.43% -40.87% -51.95% 17.99% 20.08% 48.66% 149.31% 15.91%
EBIT Growth		 -14.36% 10.16% -15.82% -4.83% 0.93% -61.83% 27.46% 30.60% 68.52% 234.84% 19.75%
NOPAT Growth		 7.88% 10.23% -15.23% -4.23% -23.20% -61.50% 25.88% 38.29% 68.25% 229.45% 19.82%
Net Income Growth		 7.88% 10.23% -15.23% -4.23% -23.20% -61.50% 25.88% 38.29% 68.25% 229.45% 19.82%
EPS Growth		 6.98% 11.63% 0.00% -4.35% 0.00% -60.42% 0.00% 38.64% 0.00% 221.05% 18.33%
Operating Cash Flow Growth		 -10.79% -125.50% 229.46% 47.35% -46.47% 162.03% 26.71% 6.04% 4.67% 521.10% -82.70%
Free Cash Flow Firm Growth		 -132.95% -151.14% -270.65% -1,998.12% 63.28% -14.25% 154.25% 132.65% 27.30% 104.69% -333.77%
Invested Capital Growth		 13.08% 10.86% 11.51% 25.82% 5.30% 9.13% -0.84% -2.85% 5.50% 2.82% 13.85%
Revenue Q/Q Growth		 0.02% -2.93% 9.99% 0.44% 1.50% -4.35% 12.03% 1.17% 3.16% -1.28% 8.13%
EBITDA Q/Q Growth		 104.83% -27.01% 0.48% -6.52% -13.75% -40.69% 146.73% -4.86% 6.77% -0.53% 14.71%
EBIT Q/Q Growth		 -20.74% 32.65% -2.06% -7.58% -15.95% -49.83% 227.05% -5.30% 8.45% -0.32% 16.96%
NOPAT Q/Q Growth		 1.44% 3.75% -1.78% -7.36% -18.64% -47.99% 221.14% 1.78% -1.02% 1.84% 16.80%
Net Income Q/Q Growth		 1.44% 3.75% -1.78% -7.36% -18.64% -47.99% 221.14% 1.78% -1.02% 1.84% 16.80%
EPS Q/Q Growth		 0.00% 4.35% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 16.39%
Operating Cash Flow Q/Q Growth		 4.45% -134.91% 334.39% 72.39% -62.05% -59.54% 378.77% 44.27% -62.54% 140.07% -86.66%
Free Cash Flow Firm Q/Q Growth		 -940.35% 20.61% -10.23% -158.10% 83.74% -147.01% 152.34% 55.35% -136.20% 115.94% -2,707.57%
Invested Capital Q/Q Growth		 13.92% 0.31% 1.40% 8.58% -4.65% 3.95% -7.87% 6.39% 3.54% 1.32% 2.01%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.95% 32.30% 29.51% 27.46% 23.34% 14.47% 31.87% 29.97% 31.02% 31.26% 33.16%
EBIT Margin		 19.42% 26.54% 23.63% 21.74% 18.01% 9.44% 27.57% 25.81% 27.13% 27.40% 29.64%
Profit (Net Income) Margin		 19.95% 21.32% 19.04% 17.56% 14.08% 7.65% 21.94% 22.07% 21.18% 21.85% 23.60%
Tax Burden Percent		 102.73% 80.35% 80.57% 80.76% 78.17% 81.04% 79.58% 85.52% 78.05% 79.74% 79.63%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -2.73% 19.65% 19.43% 19.24% 21.83% 18.96% 20.42% 14.48% 21.95% 20.26% 20.37%
Return on Invested Capital (ROIC)		 11.28% 11.79% 10.53% 9.62% 7.61% 4.12% 12.50% 11.99% 11.91% 12.39% 14.16%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.28% 11.79% 10.53% 9.62% 7.61% 4.12% 12.50% 11.99% 11.91% 12.39% 14.16%
Return on Net Nonoperating Assets (RNNOA)		 4.14% 4.21% 3.67% 3.20% 2.39% 1.25% 2.68% 2.33% 2.31% 2.31% 1.62%
Return on Equity (ROE)		 15.42% 16.00% 14.20% 12.82% 10.00% 5.36% 15.19% 14.32% 14.22% 14.70% 15.78%
Cash Return on Invested Capital (CROIC)		 -0.73% 1.38% 0.16% -12.23% 4.51% -0.86% 9.68% 11.98% 5.07% 9.56% 0.37%
Operating Return on Assets (OROA)		 0.87% 1.16% 1.05% 0.96% 0.82% 0.43% 1.28% 1.20% 1.31% 1.33% 1.50%
Return on Assets (ROA)		 0.90% 0.93% 0.84% 0.77% 0.64% 0.35% 1.02% 1.03% 1.02% 1.06% 1.19%
Return on Common Equity (ROCE)		 15.42% 16.00% 14.20% 12.82% 10.00% 5.36% 15.19% 14.32% 14.22% 14.70% 15.78%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 14.74% 13.81% 12.25% 0.00% 9.66% 9.98% 10.29% 0.00% 13.48% 13.82%
Net Operating Profit after Tax (NOPAT)		 2.11 2.19 2.15 1.99 1.62 0.84 2.70 2.75 2.72 2.77 3.24
NOPAT Margin		 19.95% 21.32% 19.04% 17.56% 14.08% 7.65% 21.94% 22.07% 21.18% 21.85% 23.60%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 59.47% 54.35% 55.32% 55.54% 55.77% 56.49% 54.73% 56.02% 52.73% 55.47% 50.96%
Operating Expenses to Revenue		 79.64% 78.85% 77.46% 77.44% 82.61% 89.31% 76.71% 73.46% 70.81% 73.75% 67.82%
Earnings before Interest and Taxes (EBIT)		 2.05 2.72 2.67 2.46 2.07 1.04 3.40 3.22 3.49 3.48 4.07
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.54 3.31 3.33 3.11 2.68 1.59 3.93 3.74 3.99 3.97 4.55
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.87 0.74 0.79 0.87 1.08 0.96 0.88 0.91 1.05 1.15 1.39
Price to Tangible Book Value (P/TBV)		 1.03 0.87 0.93 1.00 1.25 1.10 0.99 1.02 1.17 1.28 1.54
Price to Revenue (P/Rev)		 1.22 1.06 1.14 1.38 1.57 1.45 1.36 1.48 1.73 1.86 2.24
Price to Earnings (P/E)		 5.98 5.00 5.73 7.12 8.79 9.93 8.77 8.86 9.31 8.54 10.09
Dividend Yield		 2.79% 3.47% 3.35% 2.88% 2.60% 2.77% 2.89% 2.59% 2.16% 1.94% 1.57%
Earnings Yield		 16.72% 20.01% 17.45% 14.05% 11.38% 10.07% 11.40% 11.29% 10.74% 11.70% 9.91%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.19 0.00 0.00 0.00 0.09 0.16 0.97
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.36 0.00 0.00 0.00 0.17 0.28 1.72
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 1.28 0.00 0.00 0.00 0.63 0.92 5.48
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 1.60 0.00 0.00 0.00 0.75 1.05 6.25
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 2.00 0.00 0.00 0.00 0.92 1.31 7.75
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 1.86 0.00 0.00 0.00 0.71 0.92 7.06
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 4.29 0.00 0.00 0.00 1.90 1.69 275.76
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.33 0.33 0.32 0.28 0.30 0.28 0.13 0.11 0.11 0.11 0.10
Long-Term Debt to Equity		 0.33 0.33 0.32 0.28 0.30 0.28 0.13 0.11 0.11 0.11 0.10
Financial Leverage		 0.37 0.36 0.35 0.33 0.31 0.30 0.21 0.19 0.19 0.19 0.11
Leverage Ratio		 17.21 17.19 16.86 16.55 15.60 15.50 14.86 13.91 13.93 13.85 13.21
Compound Leverage Factor		 17.21 17.19 16.86 16.55 15.60 15.50 14.86 13.91 13.93 13.85 13.21
Debt to Total Capital		 24.92% 24.66% 24.14% 22.07% 22.98% 21.93% 11.15% 10.30% 9.90% 9.70% 9.44%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 24.92% 24.66% 24.14% 22.07% 22.98% 21.93% 11.15% 10.30% 9.90% 9.70% 9.44%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 75.08% 75.34% 75.86% 77.93% 77.02% 78.07% 88.85% 89.70% 90.10% 90.30% 90.56%
Debt to EBITDA		 1.46 1.43 1.47 1.36 1.56 1.79 0.79 0.74 0.66 0.56 0.53
Net Debt to EBITDA		 -4.01 -4.95 -4.10 -6.28 -4.34 -7.07 -6.09 -6.42 -5.71 -5.07 -1.65
Long-Term Debt to EBITDA		 1.46 1.43 1.47 1.36 1.56 1.79 0.79 0.74 0.66 0.56 0.53
Debt to NOPAT		 2.29 2.22 2.30 2.31 2.44 2.91 1.26 1.12 0.98 0.80 0.75
Net Debt to NOPAT		 -6.31 -7.67 -6.45 -10.64 -6.79 -11.48 -9.63 -9.68 -8.39 -7.24 -2.34
Long-Term Debt to NOPAT		 2.29 2.22 2.30 2.31 2.44 2.91 1.26 1.12 0.98 0.80 0.75
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -7.14 -5.67 -6.25 -16 -2.62 -6.48 3.39 5.27 -1.91 0.30 -7.93
Operating Cash Flow to CapEx		 3,669.79% -256.79% 2,551.33% 307.36% 553.08% 122.67% 2,922.40% 0.00% 311.85% 1,240.58% 210.67%
Free Cash Flow to Firm to Interest Expense		 -2.27 -1.59 -1.63 -3.98 -0.66 -1.84 1.00 1.52 -0.55 0.10 -2.61
Operating Cash Flow to Interest Expense		 1.12 -0.35 0.75 1.23 0.48 0.22 1.08 1.52 0.57 1.52 0.21
Operating Cash Flow Less CapEx to Interest Expense		 1.09 -0.48 0.72 0.83 0.39 0.04 1.04 1.58 0.39 1.40 0.11
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 2.36 2.34 2.40 2.30 2.37 2.40 2.49 2.48 2.53 2.62 2.72
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 80 80 81 88 84 88 81 86 89 90 92
Invested Capital Turnover		 0.57 0.55 0.55 0.55 0.54 0.54 0.57 0.54 0.56 0.57 0.60
Increase / (Decrease) in Invested Capital		 9.25 7.86 8.40 18 4.24 7.32 -0.69 -2.52 4.63 2.47 11
Enterprise Value (EV)		 -2.85 -24 -6.15 -30 16 -10 -6.13 -6.48 8.33 14 89
Market Capitalization		 52 45 49 60 70 66 63 70 84 94 116
Book Value per Share		 $13.21 $13.30 $13.58 $15.15 $14.28 $15.04 $15.77 $16.94 $17.62 $17.89 $18.30
Tangible Book Value per Share		 $11.16 $11.28 $11.59 $13.19 $12.34 $13.14 $13.90 $15.10 $15.81 $16.11 $16.56
Total Capital		 80 80 81 88 84 88 81 86 89 90 92
Total Debt		 20 20 20 19 19 19 8.99 8.84 8.80 8.73 8.67
Total Long-Term Debt		 20 20 20 19 19 19 8.99 8.84 8.80 8.73 8.67
Net Debt		 -55 -68 -55 -90 -54 -76 -69 -77 -76 -79 -27
Capital Expenditures (CapEx)		 0.10 0.48 0.11 1.62 0.34 0.62 0.13 -0.22 0.63 0.38 0.30
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 20 20 20 19 19 19 8.99 8.84 8.80 8.73 8.67
Total Depreciation and Amortization (D&A)		 2.49 0.59 0.66 0.65 0.61 0.55 0.53 0.52 0.50 0.49 0.48
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.46 $0.48 $0.47 $0.44 $0.36 $0.19 $0.60 $0.61 $0.59 $0.61 $0.71
Adjusted Weighted Average Basic Shares Outstanding		 4.56M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M
Adjusted Diluted Earnings per Share		 $0.46 $0.48 $0.47 $0.44 $0.00 $0.19 $0.00 $0.61 $0.00 $0.61 $0.71
Adjusted Weighted Average Diluted Shares Outstanding		 4.56M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M 4.54M
Normalized Net Operating Profit after Tax (NOPAT)		 1.44 2.19 2.15 1.99 1.62 0.84 2.70 2.75 2.72 2.77 3.24
Normalized NOPAT Margin		 13.59% 21.32% 19.04% 17.56% 14.08% 7.65% 21.94% 22.07% 21.18% 21.85% 23.60%
Pre Tax Income Margin		 19.42% 26.54% 23.63% 21.74% 18.01% 9.44% 27.57% 25.81% 27.13% 27.40% 29.64%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.65 0.76 0.69 0.61 0.52 0.30 1.00 0.93 1.00 1.12 1.34
NOPAT to Interest Expense		 0.67 0.61 0.56 0.49 0.41 0.24 0.80 0.79 0.78 0.89 1.07
EBIT Less CapEx to Interest Expense		 0.62 0.63 0.66 0.21 0.44 0.12 0.97 0.99 0.82 0.99 1.24
NOPAT Less CapEx to Interest Expense		 0.64 0.48 0.53 0.09 0.32 0.06 0.76 0.85 0.60 0.77 0.97
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 16.79% 17.33% 19.21% 20.46% 22.89% 27.58% 25.41% 22.96% 20.14% 16.59% 15.81%
Augmented Payout Ratio		 28.24% 17.33% 19.21% 20.46% 22.89% 27.58% 25.41% 22.96% 20.14% 16.59% 15.81%

Financials Breakdown Chart

Key Financial Trends

Bank of the James Financial Group (NASDAQ:BOTJ) showed continued earnings momentum in the second quarter of 2026. Net income increased to $3.24 million, or $0.71 per diluted share, from $2.77 million, or $0.61 per share, in Q1 2026. Compared with Q2 2025, net income rose approximately 20% from $2.70 million, while diluted EPS increased from $0.60. The company has remained profitable in every reported quarter provided, although results were notably weaker in Q1 2025.

Revenue growth was broad-based. Q2 2026 total revenue reached $13.73 million, up 8.1% sequentially and 11.4% year over year. Net interest income increased to $9.25 million from $8.73 million in Q1 and $8.25 million in Q2 2025. Non-interest income also improved to $4.48 million, supported by higher service charges, investment gains and investment banking income.

Profitability benefited from relatively stable operating costs. Non-interest expense declined slightly to $9.31 million from $9.37 million in Q1 and $9.46 million in Q2 2025, despite growth in salaries and employee benefits. This combination of stronger revenue and stable expenses helped lift pretax income to $4.07 million from $3.48 million in Q1 2026.

The balance sheet expanded over the longer period. Net loans increased to $686.1 million in Q2 2026 from $649.1 million a year earlier and $601.1 million in Q1 2024. Total assets reached $1.04 billion, while total common equity increased to $83.2 million from $71.7 million a year earlier and $60.4 million in Q1 2024. Retained earnings have risen consistently, although accumulated other comprehensive income remains negative.

  • Earnings growth accelerated: Q2 2026 net income rose 16.8% sequentially and 19.8% year over year, with diluted EPS reaching $0.71.
  • Net interest income continued to expand: Q2 net interest income of $9.25 million was approximately 12% above Q2 2025 and 33% above Q1 2024.
  • Loan growth supports future interest revenue: Net loans increased about 5.7% year over year and 5.7% sequentially to $686.1 million.
  • Operating leverage improved: Q2 revenue grew 11.4% year over year while non-interest expense declined 1.5%.
  • Fee-based businesses remained meaningful contributors: Q2 non-interest income increased to $4.48 million, including $1.47 million of investment banking income and $1.53 million of investment gains.
  • Capital and retained earnings strengthened: Common equity rose to $83.2 million, up approximately 16% from Q2 2025, while retained earnings reached $55.1 million.
  • Deposit funding remains substantial: Total deposits were approximately $935.2 million at June 30, 2026, providing a large funding base for the bank’s loan portfolio.
  • Credit costs require monitoring: The Q2 provision for credit losses was $350,000, compared with a $146,000 credit benefit in Q1 2026 and a $528,000 benefit in Q2 2025.
  • Non-interest income contains market-sensitive components: Investment gains and investment banking income have supported results but may fluctuate from quarter to quarter.
  • Cash declined sharply during Q2: Net cash and equivalents fell by $52.4 million, driven by $31.1 million of investing outflows and $22.0 million of financing outflows.
  • Operating cash flow weakened: Cash flow from operating activities fell to $632,000 from $4.74 million in Q1 2026, partly because changes in operating assets and liabilities used cash.
  • Deposits contracted sequentially: Net deposits declined by $21.4 million in Q2, reversing the $19.4 million increase recorded in Q1.
  • Liquidity mix became less conservative: Cash and due from banks plus federal funds sold declined to approximately $35.5 million from $88.0 million at the end of Q1.
  • Interest-bearing deposits remain costly: Interest expense on deposits was $2.91 million in Q2, representing the majority of the company’s $3.03 million total interest expense.

Overall, BOTJ’s income statement and balance sheet trends were favorable through Q2 2026, with improving net interest income, loan growth, stronger EPS and expanding equity. However, the sharp quarterly cash decline, deposit outflow and higher credit-loss provision represent important risks. Investors should watch whether deposit levels stabilize, operating cash flow recovers and credit costs remain manageable in upcoming quarters.

10/10/26 01:30 PM ETAI Generated. May Contain Errors.

Bank of the James Financial Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Bank of the James Financial Group's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Bank of the James Financial Group's net income appears to be on an upward trend, with a most recent value of $9.02 million in 2025, rising from $3.69 million in 2015. The previous period was $7.94 million in 2024. View Bank of the James Financial Group's forecast to see where analysts expect Bank of the James Financial Group to go next.

Over the last 10 years, Bank of the James Financial Group's total revenue changed from $21.80 million in 2015 to $48.66 million in 2025, a change of 123.2%.

In the past 11 quarters, Bank of the James Financial Group's cash and equivalents has ranged from $20.11 million in Q3 2023 to $28.45 million in Q3 2025, and is currently $24.68 million as of their latest financial filing in Q2 2026.

Bank of the James Financial Group had total debt of $8.80 million at the end of 2025, a 54.5% decrease from 2024, and a 12.0% decrease since 2015.

Over the last 10 years, Bank of the James Financial Group's book value per share changed from 14.29 in 2015 to 17.62 in 2025, a change of 23.3%.


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Financial statements for NASDAQ:BOTJ last updated on 8/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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