Saturday 17 October 2026 Export BOTJ’s income statement to Excel — free account

Bank of the James Financial Group, Inc.

Bank of the James Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $62.5 million, up 4.56% from fiscal 2024. In the quarter to June 2026, revenue grew 6.68%, EPS grew 18.3% and free cash flow fell 90.6%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

26.74 0.25 −0.93%

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Market cap: $122.6M
P/E: 10.6×
Fwd P/E: 9.7×
Dividend yield: 1.50%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	20.27	22.80	10.66	11.93	10.54	9.71	6.28	6.45	9.07	9.29
Piotroski F-Score Full definition →	4	5	8	5	6	7	8	6	7	8
P/S ratio Full definition →	2.52	2.32	1.77	1.81	1.29	1.82	1.24	1.07	1.21	1.35
P/FCF ratio Full definition →	60.56	12.40	8.00	37.88	12.26	5.32	6.88	6.61	12.10	8.01
P/Operating CF Full definition →	(166.39)	186.63	21.18	25.38	8.67	9.90	14.19	15.86	38.23	42.76
P/B ratio Full definition →	1.35	1.28	1.03	1.09	0.79	1.06	1.12	0.93	1.11	1.05
Price to Tangible BV Full definition →	1.35	1.28	1.03	1.09	0.79	1.27	1.39	1.10	1.29	1.18
EV/Sales Full definition →	1.51	1.09	0.52	1.02	(0.94)	(2.47)	0.10	(0.17)	0.15	0.16
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	14.32	4.59	1.94	6.74	(7.36)	(6.10)	0.46	(0.94)	1.03	0.85
EV/FCF Full definition →	36.28	5.81	2.33	21.37	(8.91)	(7.22)	0.53	(1.06)	1.47	0.94
Quick Ratio Full definition →	0.05	0.06	0.08	0.06	0.13	0.20	0.07	0.08	0.08	0.09
Current Ratio Full definition →	0.95	0.93	0.95	0.94	0.92	0.85	0.78	0.77	0.80	0.80
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Debt/Equity Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Asset Turnover Full definition →	0.05	0.05	0.05	0.05	0.05	0.04	0.05	0.06	0.06	0.06
Operating CF/Net income Full definition →	0.85	2.30	1.62	1.00	1.04	2.15	1.04	1.09	1.07	1.29
Capex/Depreciation Full definition →	(1.62)	(1.17)	(1.08)	(1.85)	(0.37)	(0.99)	(0.37)	(0.30)	(1.01)	(0.53)
ROE Full definition →	6.73%	5.78%	9.93%	9.62%	7.77%	11.15%	14.97%	15.79%	12.72%	12.45%
ROA Full definition →	0.60%	0.49%	0.81%	0.80%	0.63%	0.83%	0.94%	0.92%	0.82%	0.89%
ROIC Full definition →	14.51%	22.87%	86.02%	19.40%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Tangible Assets Full definition →	(25.69%)	(10.90%)	(28.07%)	(28.80%)	(10.87%)	(6.57%)	(5.33%)	(4.58%)	(5.05%)	(5.42%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	72.85%	70.58%	67.63%	67.04%	73.64%	71.40%	69.35%	60.82%	56.69%	59.12%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	0.00%	0.00%	0.00%	0.29%	0.26%	0.26%	0.00%	0.00%	0.00%	0.00%
Graham Net Nets Full definition →	(0.38)	(0.62)	(0.61)	(0.68)	(1.38)	(2.11)	(3.68)	(4.09)	(2.74)	(2.44)
Graham Number Full definition →	12.55	12.03	16.90	18.28	18.13	22.89	21.38	23.72	23.71	28.16
Earnings Yield Full definition →	4.93%	4.39%	9.38%	8.38%	9.49%	10.30%	15.93%	15.51%	11.03%	10.76%
Free Cash Flow Yield Full definition →	1.65%	8.06%	12.50%	2.64%	8.15%	18.81%	14.54%	15.13%	8.27%	12.49%
Revenue per Share Full definition →	5.47	5.90	6.69	7.69	8.51	8.51	9.60	11.45	13.16	13.76
Operating CF per Share Full definition →	0.58	1.39	1.78	1.16	1.09	3.44	1.98	2.08	1.87	2.57
Capex per Share Full definition →	(0.35)	(0.29)	(0.30)	(0.80)	(0.19)	(0.54)	(0.25)	(0.23)	(0.56)	(0.25)
Free Cash Flow per Share Full definition →	0.23	1.10	1.48	0.37	0.90	2.91	1.74	1.85	1.31	2.32
Cash per Share Full definition →	5.96	7.69	10.45	8.13	21.12	38.57	13.15	16.40	16.14	18.59
Shareholders Equity per Share Full definition →	10.26	10.73	11.45	12.76	13.97	14.62	10.69	13.16	14.28	17.62
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	10.26	10.73	11.45	12.76	13.97	14.62	10.69	13.16	14.28	17.62
Free Cash Flow Full definition →	1.10	5.31	7.12	1.76	4.29	13.81	8.15	8.46	5.96	10.54
Working Capital Full definition →	(23.74)	(38.86)	(32.31)	(36.16)	(62.81)	(133.82)	(185.98)	(208.13)	(176.63)	(185.61)
Capital Expenditures Full definition →	(1.69)	(1.40)	(1.45)	(3.83)	(0.91)	(2.54)	(1.16)	(1.03)	(2.55)	(1.12)
Net Current Asset Value Full definition →	(25.31)	(40.93)	(34.90)	(45.48)	(72.38)	(154.89)	(206.06)	(228.48)	(197.84)	(206.29)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.06	0.05	0.05	0.10	0.02	0.06	0.03	0.02	0.04	0.02
Price to Operating Income Full definition →	13.83	12.29	8.58	9.64	8.52	8.20	5.04	5.44	7.27	7.57
Other line items
Depreciation/Fixed assets Full definition →	0.10	0.10	0.10	0.12	0.14	0.14	0.17	0.19	0.13	0.11
Cash ROIC Full definition →	1.41%	5.99%	6.75%	1.75%	2.56%	5.47%	7.28%	6.27%	4.31%	6.41%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.00	0.01	0.01	0.01	0.01	0.00	0.00	0.01	0.02	0.02
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	81,457.29	69,206.46	58,865.80	45,032.78	61,500.65	154,032.08	143,986.22	33,323.38	20,904.62	24,700.47
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	495.36	545.30	589.77	630.75	707.21	826.01	867.60	863.30	880.43	909.77
Average Assets Full definition →	550.67	600.27	650.62	700.15	788.39	919.51	958.10	948.97	974.31	1,009.13
Average Common Equity Full definition →	48.81	50.54	53.40	58.29	64.09	68.08	59.83	55.13	62.45	72.46

Fold the line items

Columns are period end dates

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