BANK OF THE JAMES FINANCIAL GROUP INC BOTJ
Nasdaq · XNAS · stock · State Commercial Banks
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6/9
Piotroski F — financial health
—
Altman Z″ — distress risk
20.1%
Dividend payout · safe
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $4.3M | $9.0M | — | $10.5M | $80.0M |
| 2024 | $4.0M | $7.9M | — | $6.0M | $64.9M |
| 2023 | $3.9M | $8.7M | — | $7.9M | $60.0M |
| 2022 | $3.6M | $9.0M | — | $8.1M | $50.2M |
| 2021 | $2.5M | $7.6M | — | $13.4M | $69.4M |
| 2020 | $2.0M | $5.0M | — | $3.4M | $66.7M |
Why these scores methodology →
Piotroski F-score: 6/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0001275101 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.