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BANK OF THE JAMES FINANCIAL GROUP INC BOTJ
Nasdaq · stock · State Commercial Banks · website · IPO 2000-07-14
BANK OF THE JAMES FINANCIAL GROUP INC financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.3M | $4.0M | $3.9M | $3.6M | $2.5M | $2.0M | $1.8M | $1.9M | $1.8M | — |
| Interest expense | — | — | $9.6M | $2.1M | $2.1M | $4.5M | $5.3M | $3.8M | $3.0M | $2.3M |
| Income tax | $2.1M | $2.0M | $1.6M | $2.2M | $1.9M | $1.2M | $1.3M | $1.3M | $2.4M | $1.5M |
| Net income | $9.0M | $7.9M | $8.7M | $9.0M | $7.6M | $5.0M | $5.6M | $5.3M | $2.9M | $3.3M |
| EPS (diluted) | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 | $1.04 | $1.28 | $1.21 | $0.67 | $0.75 |
| Operating cash flow | $11.7M | $8.5M | $9.5M | $9.3M | $16.3M | $5.2M | $5.6M | $8.6M | $6.7M | $2.8M |
| Free cash flow | $10.5M | $6.0M | $7.9M | $8.1M | $13.4M | $3.4M | $1.2M | $6.3M | $4.8M | $1.1M |
| Cash & equivalents | — | — | — | — | — | — | — | $50.3M | $37.0M | $28.7M |
| Total assets | $1.0B | $979.2M | $969.4M | $928.6M | $987.6M | $851.4M | $725.4M | $674.9M | $626.3M | $574.2M |
| Total liabilities | $959.0M | $914.4M | $909.3M | $878.3M | $918.2M | $784.7M | $663.9M | $619.8M | $574.7M | $524.8M |
| Shareholders' equity | $80.0M | $64.9M | $60.0M | $50.2M | $69.4M | $66.7M | $61.4M | $55.1M | $51.7M | $49.4M |
Growth · year-over-year · Revenue CAGR 11.7%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth | +6.7% | +2.6% | +8.6% | +43.9% | +22.8% | +13.9% | -4.6% | +6.4% | — | — |
| Net income growth | +13.6% | -8.7% | -2.8% | +18.1% | +52.4% | -11.2% | +5.7% | +81.5% | -11.1% | -11.0% |
| EPS growth | +13.7% | -8.4% | +0.0% | +19.4% | +53.8% | -18.8% | +5.8% | +80.6% | -10.7% | -29.9% |
| Free cash flow growth | +76.1% | -24.7% | -2.5% | -39.6% | +289.8% | +188.8% | -81.0% | +30.7% | +345.1% | -41.3% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.