Bank of the James Financial Group Inc (BOTJ) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Bank of the James Financial reported revenue of $48.7M, up 9.7% from $44.4M the year before. Net income was $9.0M (a 18.5% net margin), or $1.99 per diluted share. Net interest income was $32.8M, and the efficiency ratio (noninterest expense / revenue) was 77.2%. Operating activities generated $11.7M of cash, leaving $10.5M of free cash flow. At fiscal year end, Bank of the James Financial held $1.04B in total assets against $959.0M in total liabilities.
Open the full interactive Bank of the James Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Bank of the James Financial Key Stats
| Share Price | $27.01 |
|---|---|
| Market Cap | $122.7M |
| P/E Ratio | 13.6 |
| Revenue YoY Growth | +9.7% |
| 52-Week Range | $15.17 – $28.15 |
| Shares Outstanding | 4.5 million (basic, 2026 Q2) |
Bank of the James Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $25.1M | $27.1M | $29.7M | $29.7M | $29.2M | $32.8M |
| Provision for Credit Losses | $2.5M | -$500,000 | -$900,000 | -$179,000 | -$655,000 | -$35,000 |
| Noninterest Income | $11.0M | $11.2M | $13.2M | $12.9M | $15.1M | $15.9M |
| Noninterest Expense | $27.4M | $29.3M | $32.7M | $32.5M | $35.1M | $37.5M |
| Revenue | $36.1M | $38.3M | $42.9M | $42.6M | $44.4M | $48.7M |
| Pre-Tax Income | $6.2M | $9.5M | $11.1M | $10.3M | $9.9M | $11.1M |
| Income Tax | $1.2M | $1.9M | $2.2M | $1.6M | $2.0M | $2.1M |
| Net Income | $5.0M | $7.6M | $9.0M | $8.7M | $7.9M | $9.0M |
| Diluted EPS | $1.05 | $1.60 | $1.91 | $1.91 | $1.75 | $1.99 |
Bank of the James Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $12.5M | $12.9M | $12.7M | $13.7M |
| Net Income | $2.8M | $2.7M | $2.8M | $3.2M |
| Diluted EPS | $0.61 | $0.60 | $0.61 | $0.71 |
Bank of the James Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $601.9M | $576.5M | $605.4M | $601.9M | $636.6M | $661.4M |
| Total Assets | $851.4M | $987.6M | $928.6M | $969.4M | $979.2M | $1.04B |
| Deposits | $765.0M | $887.1M | $848.1M | $878.5M | $882.4M | $937.1M |
| Total Long-Term Debt | $42.5M | $21.0M | $20.5M | $19.9M | $19.3M | $8.8M |
| Total Liabilities | $784.7M | $918.2M | $878.3M | $909.3M | $914.4M | $959.0M |
| Shareholders' Equity | $66.7M | $69.4M | $50.2M | $60.0M | $64.9M | $80.0M |
Bank of the James Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $5.2M | $15.8M | $9.3M | $9.5M | $8.5M | $11.7M |
| Cash From Investing | -$62.1M | -$64.5M | -$88.1M | -$23.3M | -$11.2M | -$42.4M |
| Cash From Financing | $118.6M | $130.9M | -$42.6M | $26.9M | $1.1M | $41.9M |
| Free Cash Flow | $3.4M | $12.9M | $8.1M | $7.9M | $6.0M | $10.5M |
Figures from Bank of the James Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Bank of the James Financial financials page for every line item.
Bank of the James Financial Company Profile
| Ticker | BOTJ |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Lynchburg, Virginia |
| Incorporated in | Virginia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001275101 |
Frequently Asked Questions
What was Bank of the James Financial's revenue in fiscal 2025?
Bank of the James Financial (BOTJ) reported revenue of $48.7M for fiscal 2025.
What is Bank of the James Financial's annual revenue history?
Bank of the James Financial's annual revenue by fiscal year: 2020: $36.1M; 2021: $38.3M; 2022: $42.9M; 2023: $42.6M; 2024: $44.4M; 2025: $48.7M.
What was Bank of the James Financial's net income in fiscal 2025?
Bank of the James Financial reported net income of $9.0M for fiscal 2025.
What was Bank of the James Financial's earnings per share (EPS) in fiscal 2025?
Bank of the James Financial's diluted EPS was $1.99 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Bank of the James Financial generate in fiscal 2025?
Bank of the James Financial generated $10.5M of free cash flow in fiscal 2025.
What was Bank of the James Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Bank of the James Financial reported revenue of $13.7M.
How much debt does Bank of the James Financial have?
Bank of the James Financial reported $8.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Bank of the James Financial are outstanding?
Bank of the James Financial reported a weighted average of 4.5 million basic shares outstanding in 2026 Q2.
What is Bank of the James Financial's market cap?
Based on its latest closing price, Bank of the James Financial (BOTJ) has a market capitalization of about $122.7M.
When does Bank of the James Financial's fiscal year end?
Bank of the James Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Bank of the James Financial headquartered?
Bank of the James Financial lists its business address in Lynchburg, Virginia in its SEC filings.