BOTJ
Bank of the James Financial Group, Inc.
Price Chart
Latest Quote
$24.55
+0.44 (+1.82%)
Current Price
| Previous Close | $24.11 |
| Open | $24.43 |
| Day High | $24.84 |
| Day Low | $24.24 |
| Volume | 48,329 |
Stock Information
| Quarterly Dividend / Yield | $0.40 / 1.64% |
| Shares Outstanding | 4.54M |
| Quarterly Dividend Yield | 1.64% |
| Quarterly Dividend | $0.40 |
| Total Debt | $8.73M |
| Cash Equivalents | $87.99M |
| Revenue | $50.67M |
| Net Income | $10.95M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $111.54M |
| P/E Ratio | 10.19 |
| EPS (TTM) | $2.41 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $30.73M |
| Sales | $50.67M |
| Income | $10.95M |
| Book/sh | $17.89 |
| Cash/sh | $19.37 |
| Employees | 162 |
Financial Ratios
| EPS Growth TTM | 229.50% |
Returns & Margins
| ROA | 1.06% |
| ROE | 14.64% |
| Operating Margin | 29.23% |
| Profit Margin | 21.62% |
Ownership
| Insider Ownership | 12.71% |
| Institutional Ownership | 29.88% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.20 |
| P/B | 1.37 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $nan |
| SMA50 | $nan |
| SMA200 | $nan |
| RSI | 65.53 |
| ATR | nan |
| Shares Float | 3.43M |
| Short Float | 0.25% |
| Short Ratio | 0.71 |
| Volatility | 0.18 |
| Rel Volume | 2.59 |
Performance History
| Week | nan% |
| Month | nan% |
| Quarter | nan% |
| 6 Months | nan% |
| YTD | nan% |
| Year | nan% |
| 3 Years | nan% |
| 5 Years | nan% |
| 10 Years | nan% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $nan | 48,329 |
| 2026-06-17 | $24.11 | 27,500 |
| 2026-06-16 | $24.21 | 14,900 |
| 2026-06-15 | $24.62 | 18,100 |
| 2026-06-12 | $24.76 | 14,500 |
| 2026-06-11 | $24.79 | 22,900 |
| 2026-06-10 | $24.72 | 25,400 |
| 2026-06-09 | $24.99 | 25,500 |
| 2026-06-08 | $24.27 | 52,400 |
| 2026-06-05 | $22.95 | 12,300 |
| 2026-06-04 | $22.94 | 10,000 |
| 2026-06-03 | $22.58 | 9,600 |
| 2026-06-02 | $22.67 | 8,300 |
| 2026-06-01 | $22.66 | 14,900 |
| 2026-05-29 | $22.93 | 12,600 |
| 2026-05-28 | $22.86 | 10,600 |
| 2026-05-27 | $22.96 | 9,800 |
| 2026-05-26 | $22.84 | 19,200 |
| 2026-05-22 | $22.75 | 9,200 |
| 2026-05-21 | $22.80 | 7,000 |
| 2026-05-20 | $22.84 | 13,800 |
| 2026-05-19 | $22.65 | 28,400 |
About Bank of the James Financial Group, Inc.
Bank 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 United States. It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management). The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $47,755,000 | $43,557,000 | $41,802,000 | $42,024,000 |
| Operating Revenue | $47,755,000 | $43,557,000 | $41,802,000 | $42,024,000 |
| Expenses | ||||
| Interest Expense | $13,848,000 | $15,407,000 | $9,622,000 | $2,150,000 |
| Selling And Marketing Expense | $867,000 | $768,000 | $919,000 | $920,000 |
| General And Administrative Expense | $21,478,000 | $19,735,000 | $18,730,000 | $18,182,000 |
| Professional Expense And Contract Services Expense | $3,967,000 | $3,471,000 | $2,513,000 | $2,589,000 |
| Other Non Interest Expense | $4,871,000 | $5,292,000 | $4,745,000 | $5,196,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $9,022,000 | $7,944,000 | $8,704,000 | $8,959,000 |
| Net Interest Income | $32,709,000 | $29,141,000 | $29,658,000 | $29,637,000 |
| Interest Income | $46,557,000 | $44,548,000 | $39,280,000 | $31,787,000 |
| Normalized Income | $9,022,000 | $7,944,000 | $8,704,000 | $8,959,000 |
| Net Income From Continuing And Discontinued Operation | $9,022,000 | $7,944,000 | $8,704,000 | $8,959,000 |
| Net Income Common Stockholders | $9,022,000 | $7,944,000 | $8,704,000 | $8,959,000 |
| Net Income | $9,022,000 | $7,944,000 | $8,704,000 | $8,959,000 |
| Net Income Including Noncontrolling Interests | $9,022,000 | $7,944,000 | $8,704,000 | $8,959,000 |
| Net Income Continuous Operations | $9,022,000 | $7,944,000 | $8,704,000 | $8,959,000 |
| Pretax Income | $11,145,000 | $9,923,000 | $10,279,000 | $11,110,000 |
| Depreciation Amortization Depletion Income Statement | $561,000 | $560,000 | $560,000 | $560,000 |
| Depreciation And Amortization In Income Statement | $561,000 | $560,000 | $560,000 | $560,000 |
| Amortization Of Intangibles Income Statement | $561,000 | $560,000 | $560,000 | $560,000 |
| Per Share | ||||
| Diluted EPS | $1.99 | $1.75 | $1.91 | $1.91 |
| Basic EPS | $1.99 | $1.75 | $1.91 | $1.91 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,889,000 | $1,938,000 | $1,967,000 | $2,609,000 |
| Diluted Average Shares | $4,543,338 | $4,543,338 | $4,562,374 | $4,698,041 |
| Basic Average Shares | $4,543,338 | $4,543,338 | $4,562,374 | $4,698,041 |
| Diluted NI Availto Com Stockholders | $9,022,000 | $7,944,000 | $8,704,000 | $8,959,000 |
| Tax Provision | $2,123,000 | $1,979,000 | $1,575,000 | $2,151,000 |
| Gain On Sale Of Security | $27,000 | $62,000 | $0 | $-3,000 |
| Amortization | $561,000 | $560,000 | $560,000 | $560,000 |
| Selling General And Administration | $22,345,000 | $20,503,000 | $19,649,000 | $19,102,000 |
| Insurance And Claims | $518,000 | $441,000 | $419,000 | $500,000 |
| Salaries And Wages | $20,960,000 | $19,294,000 | $18,311,000 | $17,682,000 |
| Occupancy And Equipment | $4,901,000 | $4,463,000 | $4,235,000 | $4,367,000 |
| Other Gand A | - | $542,000 | $530,000 | $521,000 |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $71,830,000 | $56,086,000 | $50,700,000 | $40,327,000 |
| Total Assets | $1,039,024,000 | $979,244,000 | $969,371,000 | $928,571,000 |
| Goodwill And Other Intangible Assets | $8,218,000 | $8,779,000 | $9,339,000 | $9,899,000 |
| Other Intangible Assets | $6,164,000 | $6,725,000 | $7,285,000 | $7,845,000 |
| Receivables | $3,380,000 | $3,065,000 | $2,835,000 | $2,736,000 |
| Accounts Receivable | $3,380,000 | $3,065,000 | $2,835,000 | $2,736,000 |
| Cash And Cash Equivalents | $28,538,000 | $23,287,000 | $25,613,000 | $30,025,000 |
| Cash Cash Equivalents And Federal Funds Sold | $86,303,000 | $75,130,000 | $76,379,000 | $63,149,000 |
| Cash Financial | - | - | $25,613,000 | $30,025,000 |
| Debt | ||||
| Total Debt | $8,796,000 | $19,348,000 | $19,932,000 | $20,494,000 |
| Long Term Debt And Capital Lease Obligation | $8,796,000 | $19,348,000 | $19,932,000 | $20,494,000 |
| Long Term Debt | $8,796,000 | $19,348,000 | $19,932,000 | $20,494,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $958,976,000 | $914,379,000 | $909,332,000 | $878,345,000 |
| Payables And Accrued Expenses | $1,167,000 | $722,000 | $480,000 | $89,000 |
| Payables | $1,167,000 | $722,000 | $480,000 | $89,000 |
| Accounts Payable | $1,167,000 | $722,000 | $480,000 | $89,000 |
| Equity | ||||
| Common Stock Equity | $80,048,000 | $64,865,000 | $60,039,000 | $50,226,000 |
| Total Equity Gross Minority Interest | $80,048,000 | $64,865,000 | $60,039,000 | $50,226,000 |
| Stockholders Equity | $80,048,000 | $64,865,000 | $60,039,000 | $50,226,000 |
| Gains Losses Not Affecting Retained Earnings | $-14,937,000 | $-22,915,000 | $-21,615,000 | $-26,781,000 |
| Other Equity Adjustments | $-14,937,000 | $-22,915,000 | $-21,615,000 | $-26,781,000 |
| Retained Earnings | $50,009,000 | $42,804,000 | $36,678,000 | $31,034,000 |
| Other | ||||
| Ordinary Shares Number | $4,543,338 | $4,543,338 | $4,543,338 | $4,628,657 |
| Share Issued | $4,543,338 | $4,543,338 | $4,543,338 | $4,628,657 |
| Tangible Book Value | $71,830,000 | $56,086,000 | $50,700,000 | $40,327,000 |
| Invested Capital | $88,844,000 | $84,213,000 | $79,971,000 | $70,720,000 |
| Total Capitalization | $88,844,000 | $84,213,000 | $79,971,000 | $70,720,000 |
| Additional Paid In Capital | $35,253,000 | $35,253,000 | $35,253,000 | $36,068,000 |
| Capital Stock | $9,723,000 | $9,723,000 | $9,723,000 | $9,905,000 |
| Common Stock | $9,723,000 | $9,723,000 | $9,723,000 | $9,905,000 |
| Investments And Advances | $217,718,000 | $191,522,000 | $220,132,000 | $189,426,000 |
| Held To Maturity Securities | $3,590,000 | $3,606,000 | $3,622,000 | $3,639,000 |
| Available For Sale Securities | $210,940,000 | $172,530,000 | - | - |
| Goodwill | $2,054,000 | $2,054,000 | $2,054,000 | $2,054,000 |
| Net PPE | $19,132,000 | $19,313,000 | $18,141,000 | $17,974,000 |
| Accumulated Depreciation | $-18,025,000 | $-16,802,000 | $-15,496,000 | $-14,089,000 |
| Gross PPE | $37,157,000 | $36,115,000 | $33,637,000 | $32,063,000 |
| Leases | $3,250,000 | $3,250,000 | $3,089,000 | $3,056,000 |
| Other Properties | $260,000 | $2,518,000 | $1,144,000 | $52,000 |
| Machinery Furniture Equipment | $12,875,000 | $12,058,000 | $11,463,000 | $11,033,000 |
| Buildings And Improvements | $15,945,000 | $14,407,000 | $14,059,000 | $14,040,000 |
| Land And Improvements | $4,827,000 | $3,882,000 | $3,882,000 | $3,882,000 |
| Other Short Term Investments | $3,188,000 | $187,916,000 | $216,510,000 | $185,787,000 |
| Preferred Stock | - | $0 | $0 | $0 |
| Treasury Shares Number | - | - | $0 | - |
| Properties | - | - | - | - |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $10,495,000 | $5,959,000 | $7,918,000 | $8,121,000 |
| Operating Activities | ||||
| Operating Cash Flow | $11,660,000 | $8,509,000 | $9,492,000 | $9,312,000 |
| Cash Flow From Continuing Operating Activities | $11,660,000 | $8,509,000 | $9,492,000 | $9,312,000 |
| Operating Gains Losses | $-4,908,000 | $-4,556,000 | $-3,938,000 | $-5,271,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,165,000 | $-2,550,000 | $-1,574,000 | $-1,191,000 |
| Investing Cash Flow | $-42,397,000 | $-11,173,000 | $-23,335,000 | $-88,129,000 |
| Cash Flow From Continuing Investing Activities | $-42,397,000 | $-11,173,000 | $-23,335,000 | $-88,129,000 |
| Net Other Investing Changes | $-7,000 | $-880,000 | $-1,414,000 | $-63,000 |
| Financing Activities | ||||
| Financing Cash Flow | $41,903,000 | $1,135,000 | $26,919,000 | $-42,574,000 |
| Cash Flow From Continuing Financing Activities | $41,903,000 | $1,135,000 | $26,919,000 | $-42,574,000 |
| Cash Dividends Paid | $-1,817,000 | $-1,818,000 | $-1,461,000 | $-1,365,000 |
| Common Stock Dividend Paid | $-1,817,000 | $-1,818,000 | $-1,461,000 | $-1,365,000 |
| Repurchase Of Capital Stock | - | $0 | $-997,000 | $-1,402,000 |
| Net Common Stock Issuance | - | $0 | $-997,000 | $-1,402,000 |
| Issuance Of Capital Stock | - | - | - | - |
| Net Other Financing Charges | - | - | - | - |
| Common Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-11,005,000 | $-992,000 | $-944,000 | $-889,000 |
| Interest Paid Supplemental Data | $13,403,000 | $15,165,000 | $9,231,000 | $2,107,000 |
| Income Tax Paid Supplemental Data | $2,340,000 | $1,850,000 | $1,865,000 | $2,180,000 |
| End Cash Position | $84,475,000 | $73,309,000 | $74,838,000 | $61,762,000 |
| Beginning Cash Position | $73,309,000 | $74,838,000 | $61,762,000 | $183,153,000 |
| Changes In Cash | $11,166,000 | $-1,529,000 | $13,076,000 | $-121,391,000 |
| Net Issuance Payments Of Debt | $-11,005,000 | $-992,000 | $-944,000 | $-889,000 |
| Net Long Term Debt Issuance | $-11,005,000 | $-992,000 | $-944,000 | $-889,000 |
| Long Term Debt Payments | $-11,005,000 | $-992,000 | $-944,000 | $-889,000 |
| Net Investment Purchase And Sale | $-16,632,000 | $26,355,000 | $-22,726,000 | $-58,090,000 |
| Sale Of Investment | $27,981,000 | $47,207,000 | $12,127,000 | $19,399,000 |
| Purchase Of Investment | $-44,613,000 | $-20,852,000 | $-34,853,000 | $-77,489,000 |
| Net PPE Purchase And Sale | $-1,119,000 | $-2,550,000 | $-1,574,000 | $-1,161,000 |
| Sale Of PPE | $46,000 | $0 | $0 | $30,000 |
| Purchase Of PPE | $-1,165,000 | $-2,550,000 | $-1,574,000 | $-1,191,000 |
| Change In Working Capital | $1,407,000 | $1,818,000 | $-2,737,000 | $-797,000 |
| Change In Other Current Liabilities | $298,000 | $1,756,000 | $483,000 | $-106,000 |
| Change In Other Current Assets | $979,000 | $50,000 | $-3,512,000 | $-62,000 |
| Change In Payables And Accrued Expense | $445,000 | $242,000 | $391,000 | $43,000 |
| Change In Payable | $445,000 | $242,000 | $391,000 | $43,000 |
| Change In Account Payable | $445,000 | $242,000 | $391,000 | $43,000 |
| Change In Receivables | $-315,000 | $-230,000 | $-99,000 | $-672,000 |
| Changes In Account Receivables | $-315,000 | $-230,000 | $-99,000 | $-672,000 |
| Other Non Cash Items | $4,230,000 | $1,421,000 | $4,568,000 | $4,019,000 |
| Deferred Tax | $-156,000 | $28,000 | $-356,000 | $-10,000 |
| Deferred Income Tax | $-156,000 | $28,000 | $-356,000 | $-10,000 |
| Depreciation Amortization Depletion | $1,889,000 | $1,938,000 | $1,967,000 | $2,609,000 |
| Depreciation And Amortization | $1,889,000 | $1,938,000 | $1,967,000 | $2,609,000 |
| Amortization Cash Flow | $561,000 | $560,000 | $560,000 | $560,000 |
| Amortization Of Intangibles | $561,000 | $560,000 | $560,000 | $560,000 |
| Depreciation | $1,328,000 | $1,378,000 | $1,407,000 | $2,049,000 |
| Gain Loss On Investment Securities | $-27,000 | $-62,000 | $0 | $3,000 |
| Gain Loss On Sale Of PPE | $-28,000 | $0 | $0 | $-18,000 |
| Net Income From Continuing Operations | $9,022,000 | $7,944,000 | $8,704,000 | $8,959,000 |
| Common Stock Payments | - | $0 | $-997,000 | $-1,402,000 |
| Asset Impairment Charge | - | $0 | $23,000 | $195,000 |
| Net Business Purchase And Sale | - | - | $0 | $-818,000 |
| Purchase Of Business | - | - | $0 | $-818,000 |
| Issuance Of Debt | - | - | - | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
| Change In Other Working Capital | - | - | - | $-452,000 |
| Stock Based Compensation | - | - | - | $0 |
Fetched: 2026-06-20