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Bank of the James Financial Group, Inc.(BOTJ)Earnings, Financials & Key Ratios
BOTJ•NASDAQ•Banking & Credit
12.4× P/E·Price updated Jun 13, 2026
AboutBank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the Unites States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it provides other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. It operates through a network of 16 full-service offices, 2 limited-service offices, and 1 residential mortgage loan production office. The company was founded in 1998 and is headquartered in Lynchburg, Virginia.Show more
- Net Interest Income$33M+12.6%
- Total Revenue$63M+6.0%
- Net Income$9M+13.6%
- Return on Equity12.45%-2.1%
- Net Interest Margin3.16%+6.1%
- Efficiency Ratio60.07%+3.3%
- ROA0.89%+9.7%
- Equity / Assets7.7%+16.3%
- Book Value per Share17.62+23.4%
- Tangible BV/Share15.81+28.1%
- Debt/Equity0.11-63.2%
BOTJ Key Insights
Bank of the James Financial Group, Inc. (BOTJ) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Momentum leader: RS Rating 82 (top 18%)
- ✓Trading at only 1.4x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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BOTJ Price & Volume
Bank of the James Financial Group, Inc. (BOTJ) stock price & volume — 10-year historical chart
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BOTJ Growth Metrics
Bank of the James Financial Group, Inc. (BOTJ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.96%
5 Years9.59%
3 Years12.27%
TTM-
Profit CAGR
10 Years9.35%
5 Years12.62%
3 Years0.23%
TTM13.57%
EPS CAGR
10 Years7.45%
5 Years13.86%
3 Years1.38%
TTM14.29%
Return on Capital
10 Years9.41%
5 Years9.41%
3 Years8.21%
Last Year1.96%
BOTJ Recent Earnings
Bank of the James Financial Group, Inc. (BOTJ) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 30, 2026EPS
$0.61
Revenue
$12M
Q1 2026
Feb 4, 2026EPS
$0.60
Revenue
$16M
Q4 2025
Oct 30, 2025EPS
$0.61
Revenue
—
Q3 2025
Aug 4, 2025EPS
$0.60
Revenue
$15M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.61 | $12M |
| Q1 2026 | Feb 4, 2026 | $0.60 | $16M |
| Q4 2025 | Oct 30, 2025 | $0.61 | — |
| Q3 2025 | Aug 4, 2025 | $0.60 | $15M |
Based on last 12 quarters of dataView full earnings history →
BOTJ Peer Comparison
Bank of the James Financial Group, Inc. (BOTJ) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 206.63M | 21.46 | 14.70 | -9.41% | 16.01% | 7.81% | 0.28 | |
 MNSB | 183.64M | 24.93 | 14.16 | -1.44% | 11.53% | 7.26% | 0.32 | |
 NKSH | 231.36M | 36.33 | 14.59 | 7.88% | 18.57% | 9.04% | 0.01 | |
 CARE | 662.03M | 29.88 | 21.34 | 6.24% | 12.46% | 7.65% | 0.43 | |
 FXNC | 272.95M | 30.19 | 15.40 | 27.11% | 15.35% | 9.98% | 0.23 | |
 BWFG | 443.63M | 55.64 | 12.50 | 6.13% | 16.95% | 12.21% | 0.60 | |
 FIS | 20.26B | 39.20 | 52.27 | 5.43% | 22.91% | 18.45% | 0.29 | |
 JKHY | 9.28B | 128.23 | 20.55 | 7.21% | 20.64% | 24.03% |
Compare BOTJ vs Peers
Bank of the James Financial Group, Inc. (BOTJ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BOTJ Income Statement
Bank of the James Financial Group, Inc. (BOTJ) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 20.6M | 23.1M | 24.46M | 25.07M | 27.01M | 29.64M | 29.66M | 29.14M | 32.81M |
NII Growth % | 7.53% | 12.15% | 5.87% | 2.49% | 7.75% | 9.72% | 0.07% | -1.74% | 12.58% |
Net Interest Margin % | 3.29% | 3.42% | 3.37% | 2.94% | 2.74% | 3.19% | 3.06% | 2.98% | 3.16% |
Interest Income | 23.59M | 26.9M | 29.72M | 29.61M | 29.11M | 31.79M | 39.28M | 44.55M | 46.66M |
Interest Expense | 2.99M | 3.79M | 5.26M | 4.54M | 2.1M | 2.15M | 9.62M | 15.41M | 13.85M |
Loan Loss Provision | 993K | 716K | 523K | 2.55M | -500K | -900K | -179K | -655K | -35K |
Non-Interest Income | 4.33M | 4.78M | 6.63M | 9.94M | 10.17M | 12.39M | 12.14M | 14.42M | 15.85M |
Non-Interest Income % | 15.52% | 15.09% | 18.23% | 25.14% | 25.89% | 28.04% | 23.62% | 24.45% | 25.36% |
Total Revenue | 27.93M▲ 0% | 31.68M▲ 13.4% | 36.35M▲ 14.8% | 39.55M▲ 8.8% | 39.29M▼ 0.7% | 44.17M▲ 12.4% | 51.42M▲ 16.4% | 58.96M▲ 14.7% | 62.51M▲ 6.0% |
Revenue Growth % | 7.66% | 13.44% | 14.75% | 8.8% | -0.66% | 12.44% | 16.41% | 14.66% | 6.01% |
Non-Interest Expense | 18.58M | 20.54M | 23.63M | 26.28M | 28.23M | 31.81M | 31.7M | 34.29M | 37.55M |
Efficiency Ratio | 66.53% | 64.83% | 65.01% | 66.45% | 71.87% | 72.02% | 61.65% | 58.15% | 60.07% |
Operating Income | 5.36M▲ 0% | 6.63M▲ 23.7% | 6.93M▲ 4.6% | 6.18M▼ 10.9% | 9.45M▲ 53.0% | 11.11M▲ 17.6% | 10.28M▼ 7.5% | 9.92M▼ 3.5% | 11.14M▲ 12.3% |
Operating Margin % | 19.19% | 20.93% | 19.08% | 15.62% | 24.06% | 25.15% | 19.99% | 16.83% | 17.83% |
Operating Income Growth % | 11.37% | 23.71% | 4.57% | -10.89% | 52.95% | 17.55% | -7.48% | -3.46% | 12.31% |
Pretax Income | 5.36M▲ 0% | 6.63M▲ 23.7% | 6.93M▲ 4.6% | 6.18M▼ 10.9% | 9.45M▲ 53.0% | 11.11M▲ 17.6% | 10.28M▼ 7.5% | 9.92M▼ 3.5% | 11.14M▲ 12.3% |
Pretax Margin % | 19.19% | 20.93% | 19.08% | 15.62% | 24.06% | 25.15% | 19.99% | 16.83% | 17.83% |
Income Tax | 2.44M | 1.33M | 1.33M | 1.2M | 1.86M | 2.15M | 1.57M | 1.98M | 2.12M |
Effective Tax Rate % | 45.49% | 20.04% | 19.17% | 19.4% | 19.7% | 19.36% | 15.32% | 19.94% | 19.05% |
Net Income | 2.92M▲ 0% | 5.3M▲ 81.5% | 5.61M▲ 5.7% | 4.98M▼ 11.2% | 7.59M▲ 52.4% | 8.96M▲ 18.1% | 8.7M▼ 2.8% | 7.94M▼ 8.7% | 9.02M▲ 13.6% |
Net Margin % | 10.46% | 16.74% | 15.42% | 12.59% | 19.32% | 20.28% | 16.93% | 13.47% | 14.43% |
Net Income Growth % | -11.08% | 81.45% | 5.71% | -11.15% | 52.39% | 18.05% | -2.85% | -8.73% | 13.57% |
Net Income (Continuing) | 2.92M | 5.3M | 5.61M | 4.98M | 7.59M | 8.96M | 8.7M | 7.94M | 9.02M |
EPS (Diluted) | 0.61▲ 0% | 1.10▲ 80.3% | 1.16▲ 5.5% | 1.04▼ 10.3% | 1.60▲ 53.8% | 1.91▲ 19.4% | 1.91▲ 0.0% | 1.75▼ 8.4% | 1.99▲ 13.7% |
EPS Growth % | -10.29% | 80.33% | 5.45% | -10.34% | 53.85% | 19.38% | 0% | -8.38% | 13.71% |
EPS (Basic) | 0.61 | 1.10 | 1.16 | 1.04 | 1.60 | 1.91 | 1.91 | 1.75 | 1.99 |
Diluted Shares Outstanding | 4.82M | 4.82M | 4.82M | 4.78M | 4.75M | 4.7M | 4.56M | 4.54M | 4.54M |
BOTJ Balance Sheet
Bank of the James Financial Group, Inc. (BOTJ) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 75.58M | 79.45M | 90.45M | 121.87M | 190.6M | 215.81M | 242.12M | 38.67M | 84.47M |
Cash & Due from Banks | 20.27M | 26.73M | 30.79M | 31.68M | 29.34M | 30.02M | 25.61M | 23.29M | 28.54M |
Short Term Investments | 55.31M | 52.73M | 59.66M | 90.19M | 161.83M | 185.79M | 216.51M | 15.39M | 55.94M |
Total Investments | 554.67M | 588.11M | 640.84M | 702.89M | 743.02M | 797.22M | 823.31M | 831.69M | 940.31M |
Investments Growth % | 8.28% | 6.03% | 8.97% | 9.68% | 5.71% | 7.29% | 3.27% | 1.02% | 13.06% |
Long-Term Investments | 499.36M | 535.39M | 581.18M | 612.71M | 581.75M | 611.43M | 606.8M | 816.3M | 884.38M |
Accounts Receivables | 1.71M | 1.74M | 1.87M | 2.35M | 2.06M | 2.74M | 2.83M | 3.06M | 3.38M |
Goodwill & Intangibles | 165K | 193K | 0 | 0 | 11.41M | 9.9M | 9.34M | 8.78M | 8.22M |
Goodwill | 0 | 0 | 0 | 0 | 3M | 2.05M | 2.05M | 2.05M | 2.05M |
Intangible Assets | 165K | 193K | 0 | 0 | 8.41M | 7.84M | 7.29M | 6.72M | 6.16M |
PP&E (Net) | 12.05M | 13.43M | 16.7M | 16.98M | 18.35M | 17.97M | 18.14M | 18.96M | 19.13M |
Other Assets | 34.85M | 42.03M | 34.02M | 97.48M | 183.46M | 70.72M | 90.13M | 93.46M | 39.44M |
Total Current Assets | 78.66M | 82.3M | 92.31M | 124.22M | 193.31M | 218.55M | 244.96M | 41.74M | 87.86M |
Total Non-Current Assets | 547.68M | 592.6M | 633.08M | 727.17M | 794.97M | 710.02M | 724.41M | 937.51M | 951.17M |
Total Assets | 626.34M▲ 0% | 674.9M▲ 7.8% | 725.39M▲ 7.5% | 851.39M▲ 17.4% | 987.63M▲ 16.0% | 928.57M▼ 6.0% | 969.37M▲ 4.4% | 979.24M▲ 1.0% | 1.04B▲ 6.1% |
Asset Growth % | 9.08% | 7.75% | 7.48% | 17.37% | 16% | -5.98% | 4.39% | 1.02% | 6.1% |
Return on Assets (ROA) | 0.49% | 0.81% | 0.8% | 0.63% | 0.83% | 0.94% | 0.92% | 0.82% | 0.89% |
Accounts Payable | 111K | 127K | 173K | 85K | 46K | 89K | 480K | 722K | 1.17M |
Total Debt | 5M | 5M | 5M | 10.03M | 21.02M | 20.49M | 19.93M | 19.35M | 8.8M |
Net Debt | -15.27M | -21.73M | -25.79M | -21.66M | -8.32M | -9.53M | -5.68M | -3.94M | -19.74M |
Long-Term Debt | 5M | 5M | 5M | 10.03M | 21.02M | 20.49M | 19.93M | 19.35M | 8.8M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 0 | 0 | 9.32M | 9.57M | 10.09M | 9.62M | 10.46M | 11.9M | 950.18M |
Total Current Liabilities | 567.6M | 612.17M | 649.63M | 765.05M | 887.1M | 848.23M | 878.94M | 883.13M | 177K |
Total Non-Current Liabilities | 7.07M | 7.58M | 14.32M | 19.6M | 31.1M | 30.12M | 30.39M | 31.25M | 958.98M |
Total Liabilities | 574.68M | 619.75M | 663.95M | 784.65M | 918.21M | 878.35M | 909.33M | 914.38M | 958.98M |
Total Equity | 51.66M▲ 0% | 55.14M▲ 6.7% | 61.45M▲ 11.4% | 66.73M▲ 8.6% | 69.43M▲ 4.0% | 50.23M▼ 27.7% | 60.04M▲ 19.5% | 64.86M▲ 8.0% | 80.05M▲ 23.4% |
Equity Growth % | 4.54% | 6.73% | 11.43% | 8.6% | 4.04% | -27.66% | 19.54% | 8.04% | 23.41% |
Equity / Assets (Capital Ratio) | 8.25% | 8.17% | 8.47% | 7.84% | 7.03% | 5.41% | 6.19% | 6.62% | 7.7% |
Return on Equity (ROE) | 5.78% | 9.93% | 9.62% | 7.77% | 11.15% | 14.97% | 15.79% | 12.72% | 12.45% |
Book Value per Share | 10.73 | 11.45 | 12.75 | 13.97 | 14.62 | 10.69 | 13.16 | 14.28 | 17.62 |
Tangible BV per Share | 10.69 | 11.41 | 12.75 | 13.97 | 12.22 | 8.58 | 11.11 | 12.35 | 15.81 |
Common Stock | 9.37M | 9.37M | 9.32M | 9.29M | 10.14M | 9.9M | 9.72M | 9.72M | 9.72M |
Additional Paid-in Capital | 31.5M | 31.5M | 31.23M | 30.99M | 37.23M | 36.07M | 35.25M | 35.25M | 35.25M |
Retained Earnings | 12.27M | 16.52M | 20.9M | 24.66M | 23.44M | 31.03M | 36.68M | 42.8M | 50.01M |
Accumulated OCI | -1.47M | -2.24M | -5K | 1.79M | -1.39M | -26.78M | -21.61M | -22.91M | -14.94M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BOTJ Cash Flow Statement
Bank of the James Financial Group, Inc. (BOTJ) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 6.72M | 8.57M | 5.59M | 5.2M | 16.35M | 9.31M | 9.49M | 8.51M | 11.66M |
Operating CF Growth % | 141.18% | 27.63% | -34.77% | -7.03% | 214.46% | -43.04% | 1.93% | -10.36% | 37.03% |
Net Income | 2.92M | 5.3M | 5.61M | 4.98M | 7.59M | 8.96M | 8.7M | 7.94M | 9.02M |
Depreciation & Amortization | 811K | 930K | 1.67M | 2.03M | 2.06M | 2.61M | 1.97M | 1.94M | 0 |
Deferred Taxes | 764K | -132K | -17K | -838K | 114K | -10K | -356K | 28K | 0 |
Other Non-Cash Items | 2.53M | 2.31M | -1.72M | -162K | 5.58M | -1.45M | 1.91M | -3.22M | 1.23M |
Working Capital Changes | -314K | 164K | -50K | -916K | 900K | -797K | -2.74M | 1.82M | 1.41M |
Cash from Investing | -46.71M | -38.77M | -52.52M | -62.05M | -65.03M | -88.13M | -23.34M | -11.17M | -42.4M |
Purchase of Investments | -29.83M | -998K | -16.99M | -51.15M | -84.53M | -77.49M | -34.85M | -20.85M | 0 |
Sale/Maturity of Investments | 13.17M | 4.2M | 12.9M | 23.15M | 8.36M | 19.4M | 12.13M | 47.21M | 0 |
Net Investment Activity | -16.66M | 3.21M | -4.09M | -28M | -76.17M | -58.09M | -22.73M | 26.36M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | -10.4M | -818K | 0 | 0 | 0 |
Other Investing | -28.14M | -39.67M | -44.04M | -32.3M | 24.45M | -28.03M | 965K | -34.98M | -42.4M |
Cash from Financing | 48.33M | 43.5M | 35.72M | 118.63M | 130.95M | -42.57M | 26.92M | 1.14M | 41.9M |
Dividends Paid | -1.05M | -1.05M | -1.23M | -1.22M | -1.27M | -1.36M | -1.46M | -1.82M | -1.82M |
Share Repurchases | 0 | 0 | -315K | -275K | -427K | -1.4M | -997K | 0 | 0 |
Stock Issued | 0 | 0 | 0 | 10.03M | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 0 | -315K | 9.75M | -427K | -1.4M | -997K | 0 | 0 |
Debt Issuance (Net) | 1000K | 0 | -156K | -1000K | 1000K | -889K | -944K | -992K | -1000K |
Other Financing | 44.38M | 44.55M | 37.42M | 115.51M | 122.09M | -38.92M | 30.32M | 3.94M | 54.73M |
Net Change in Cash | 8.34M▲ 0% | 13.31M▲ 59.7% | -11.21M▼ 184.3% | 61.77M▲ 650.9% | 82.27M▲ 33.2% | -121.39M▼ 247.6% | 13.08M▲ 110.8% | -1.53M▼ 111.7% | 11.17M▲ 830.3% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 28.68M | 37.02M | 50.33M | 39.11M | 100.89M | 183.15M | 61.76M | 74.84M | 73.31M |
Cash at End | 37.02M | 50.33M | 39.11M | 100.89M | 183.15M | 61.76M | 74.84M | 73.31M | 84.47M |
Interest Paid | 2.97M | 3.78M | 5.22M | 4.63M | 2.14M | 2.11M | 9.23M | 15.16M | 13.4M |
Income Taxes Paid | 1.82M | 1.27M | 120K | 1.58M | 2.55M | 2.18M | 1.86M | 1.85M | 2.34M |
Free Cash Flow | 4.8M▲ 0% | 6.27M▲ 30.7% | 1.19M▼ 81.0% | 3.45M▲ 188.8% | 13.44M▲ 289.8% | 8.12M▼ 39.6% | 7.92M▼ 2.5% | 5.96M▼ 24.7% | 10.49M▲ 76.1% |
FCF Growth % | 345.08% | 30.72% | -80.96% | 188.78% | 289.79% | -39.58% | -2.5% | -24.74% | 76.12% |
BOTJ Banking Ratios
Bank of the James Financial Group, Inc. (BOTJ) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.73% | 5.78% | 9.93% | 9.62% | 7.77% | 11.15% | 14.97% | 15.79% | 12.72% | 12.45% |
| Return on Assets (ROA) | 0.6% | 0.49% | 0.81% | 0.8% | 0.63% | 0.83% | 0.94% | 0.92% | 0.82% | 0.89% |
| Net Interest Margin | 3.34% | 3.29% | 3.42% | 3.37% | 2.94% | 2.74% | 3.19% | 3.06% | 2.98% | 3.16% |
| Efficiency Ratio | 66.19% | 66.53% | 64.83% | 65.01% | 66.45% | 71.87% | 72.02% | 61.65% | 58.15% | 60.07% |
| Equity / Assets | 8.61% | 8.25% | 8.17% | 8.47% | 7.84% | 7.03% | 5.41% | 6.19% | 6.62% | 7.7% |
| Book Value / Share | 10.26 | 10.73 | 11.45 | 12.75 | 13.97 | 14.62 | 10.69 | 13.16 | 14.28 | 17.62 |
| NII Growth | 9.19% | 7.53% | 12.15% | 5.87% | 2.49% | 7.75% | 9.72% | 0.07% | -1.74% | 12.58% |
| Dividend Payout | 31.95% | 35.93% | 19.8% | 21.87% | 24.4% | 16.75% | 15.24% | 16.79% | 22.89% | 20.14% |
Related:BOTJ Dividend History·BOTJ Revenue History·BOTJ Price History·BOTJ P/E History·BOTJ Financial Ratios·BOTJ Institutional Holders
BOTJ SEC Filings & Documents
Bank of the James Financial Group, Inc. (BOTJ) SEC filings — annual & quarterly reports (10-K, 10-Q)
BOTJ Frequently Asked Questions
Bank of the James Financial Group, Inc. (BOTJ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Bank of the James Financial Group, Inc. (BOTJ) grew revenue by 6.0% over the past year. This is steady growth.
Yes, Bank of the James Financial Group, Inc. (BOTJ) is profitable, generating $9.0M in net income for fiscal year 2025 (14.4% net margin).
Dividend & Returns
Yes, Bank of the James Financial Group, Inc. (BOTJ) pays a dividend with a yield of 1.62%. This makes it attractive for income-focused investors.
Bank of the James Financial Group, Inc. (BOTJ) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.
Industry Metrics
Bank of the James Financial Group, Inc. (BOTJ) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Bank of the James Financial Group, Inc. (BOTJ) has an efficiency ratio of 60.1%. This is reasonable for a bank.