NASDAQ · Financial Statements

Bank of the James Financial Group, Inc. (BOTJ) Financial Statements

$29.73 NASDAQ: BOTJ Market Cap $135.07M

Bank of the James Financial Group, Inc. most recently reported annual revenue of $63.0M, net profit of $9.0M. Revenue grew at an average annual rate of 9.5% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Bank of the James Financial Group, Inc.: Revenue rose from $26.0M in 2016 to $63.0M in 2025, a change of +142.3% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 18.6% to 17.8%, a shift of -0.7 percentage points; the most recent year shows net profit of $9.0M.

Income Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	$26.0M	$28.0M	$32.0M	$36.0M	$40.0M	$39.0M	$44.0M	$51.0M	$59.0M	$63.0M
Operating Expenses	$21.0M	$23.0M	$25.0M	$29.0M	$33.0M	$30.0M	$33.0M	$41.0M	$49.0M	$51.0M
Operating Profit	$5.0M	$5.0M	$7.0M	$7.0M	$6.0M	$9.0M	$11.0M	$10.0M	$10.0M	$11.0M
Operating Margin	18.6%	19.2%	20.9%	19.1%	15.6%	24.1%	25.1%	20.0%	16.8%	17.8%
Other Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest	$2.0M	$3.0M	$4.0M	$5.0M	$5.0M	$2.0M	$2.0M	$10.0M	$15.0M	$14.0M
Depreciation	$1.0M	$1.0M	$1.0M	$2.0M	$2.0M	$2.0M	$3.0M	$2.0M	$2.0M	$1.0M
Profit Before Tax	$5.0M	$5.0M	$7.0M	$7.0M	$6.0M	$9.0M	$11.0M	$10.0M	$10.0M	$11.0M
Tax	$31.7M	$45.5M	$20.0M	$19.2M	$19.4M	$19.7M	$19.4M	$15.3M	$19.9M	$19.1M
Net Profit	$3.0M	$3.0M	$5.0M	$6.0M	$5.0M	$8.0M	$9.0M	$9.0M	$8.0M	$9.0M
EPS	$0.68	$0.61	$1.10	$1.16	$1.04	$1.60	$1.91	$1.91	$1.75	$1.99
Dividend Payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

Metric	Sep '23	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
Revenue	$13.0M	$14.0M	$14.0M	$15.0M	$15.0M	$15.0M	$14.0M	$15.0M	$16.0M	$16.0M	$12.0M	$17.0M
Operating Expenses	$11.0M	$11.0M	$11.0M	$12.0M	$13.0M	$13.0M	$13.0M	$12.0M	$13.0M	$13.0M	$12.0M	$13.0M
Operating Profit	$3.0M	$2.0M	$3.0M	$3.0M	$2.0M	$2.0M	$1.0M	$3.0M	$3.0M	$3.0M	$0	$4.0M
Operating Margin	19.7%	15.2%	20.0%	17.9%	16.2%	13.6%	7.3%	22.0%	20.5%	21.4%	-4.1%	24.3%
Interest	$3.0M	$3.0M	$4.0M	$4.0M	$4.0M	$4.0M	$4.0M	$3.0M	$3.0M	$3.0M	$3.0M	$3.0M
Profit Before Tax	$3.0M	$2.0M	$3.0M	$3.0M	$2.0M	$2.0M	$1.0M	$3.0M	$3.0M	$3.0M	$3.0M	$4.0M
Tax	$19.7M	$-2.7M	$19.6M	$19.4M	$19.2M	$21.8M	$19.0M	$20.4M	$14.5M	$21.9M	$20.3M	$20.4M
Net Profit	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M	$2.0M	$1.0M	$3.0M	$3.0M	$3.0M	$3.0M	$3.0M
EPS	$0.46	$0.46	$0.48	$0.47	$0.44	$0.36	$0.19	$0.60	$0.61	$0.60	$0.61	$0.71

Over the 10 years reported for Bank of the James Financial Group, Inc., cash stood at $29.0M in the latest year, shareholders' equity was $10.0M.

Balance Sheet — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total Assets	$574.0M	$626.0M	$675.0M	$725.0M	$851.0M	$988.0M	$929.0M	$969.0M	$979.0M	$1.0B
Current Assets	$60.0M	$79.0M	$82.0M	$92.0M	$124.0M	$193.0M	$219.0M	$245.0M	$42.0M	$88.0M
Cash	$17.0M	$20.0M	$27.0M	$31.0M	$32.0M	$29.0M	$30.0M	$26.0M	$23.0M	$29.0M
Inventory	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Receivables	$3.0M	$3.0M	$3.0M	$2.0M	$2.0M	$2.0M	$3.0M	$3.0M	$3.0M	$3.0M
Fixed Assets	$11.0M	$12.0M	$13.0M	$17.0M	$17.0M	$18.0M	$18.0M	$18.0M	$19.0M	$19.0M
Capital Work in Progress	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Investments	$512.0M	$555.0M	$588.0M	$641.0M	$703.0M	$744.0M	$797.0M	$823.0M	$832.0M	$940.0M
Other Assets	$0	$0	$0	$0	$0	$3.0M	$2.0M	$2.0M	$2.0M	$2.0M
Total Liabilities	$525.0M	$575.0M	$620.0M	$664.0M	$785.0M	$918.0M	$878.0M	$909.0M	$914.0M	$959.0M
Current Liabilities	$523.0M	$568.0M	$612.0M	$650.0M	$765.0M	$887.0M	$848.0M	$879.0M	$883.0M	$0
Borrowings	$0	$5.0M	$5.0M	$5.0M	$10.0M	$21.0M	$20.0M	$20.0M	$19.0M	$9.0M
Other Liabilities	$525.0M	$570.0M	$615.0M	$659.0M	$775.0M	$897.0M	$858.0M	$889.0M	$895.0M	$950.0M
Equity	$9.0M	$9.0M	$9.0M	$9.0M	$9.0M	$10.0M	$10.0M	$10.0M	$10.0M	$10.0M
Reserves	$49.0M	$52.0M	$55.0M	$61.0M	$67.0M	$69.0M	$50.0M	$60.0M	$65.0M	$80.0M

For Bank of the James Financial Group, Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $10.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Operating Cash Flow	$3.0M	$7.0M	$9.0M	$6.0M	$5.0M	$16.0M	$9.0M	$9.0M	$9.0M	$12.0M
Investing Cash Flow	$-49.0M	$-49.0M	$-41.0M	$-57.0M	$-64.0M	$-68.0M	$-89.0M	$-25.0M	$-14.0M	$-44.0M
Financing Cash Flow	$56.0M	$44.0M	$45.0M	$37.0M	$115.0M	$122.0M	$-40.0M	$29.0M	$4.0M	$55.0M
Net Cash Flow	$0	$8.0M	$13.0M	$-11.0M	$62.0M	$82.0M	$-121.0M	$13.0M	$-2.0M	$11.0M
Free Cash Flow	$1.0M	$5.0M	$6.0M	$1.0M	$3.0M	$13.0M	$8.0M	$8.0M	$6.0M	$10.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.18
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	87.82%
Return 3Y	204.47%
Return 5Y	77.39%

Bank of the James Financial Group, Inc. (BOTJ) financials — frequently asked questions

What is Bank of the James Financial Group, Inc.'s annual revenue?

Bank of the James Financial Group, Inc. (BOTJ) reported annual revenue of $63.0M in its most recent fiscal year.

What is Bank of the James Financial Group, Inc.'s net profit?

Bank of the James Financial Group, Inc. (BOTJ) reported net profit of $9.0M in its most recent fiscal year.

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