Saturday 17 October 2026
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Bank of the James Financial Group, Inc.
BOTJ Financial Banks Regional
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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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
9.29 | 9.07 | 6.45 | 6.28 | 9.71 | 10.54 | 11.93 | 10.66 | 22.80 | 20.27 |
Piotroski F-Score |
8 | 7 | 6 | 8 | 7 | 6 | 5 | 8 | 5 | 4 |
P/S ratio |
1.35 | 1.21 | 1.07 | 1.24 | 1.82 | 1.29 | 1.81 | 1.77 | 2.32 | 2.52 |
P/FCF ratio |
8.01 | 12.10 | 6.61 | 6.88 | 5.32 | 12.26 | 37.88 | 8.00 | 12.40 | 60.56 |
P/Operating CF |
42.76 | 38.23 | 15.86 | 14.19 | 9.90 | 8.67 | 25.38 | 21.18 | 186.63 | (166.39) |
P/B ratio |
1.05 | 1.11 | 0.93 | 1.12 | 1.06 | 0.79 | 1.09 | 1.03 | 1.28 | 1.35 |
Price to Tangible BV |
1.18 | 1.29 | 1.10 | 1.39 | 1.27 | 0.79 | 1.09 | 1.03 | 1.28 | 1.35 |
EV/Sales |
0.16 | 0.15 | (0.17) | 0.10 | (2.47) | (0.94) | 1.02 | 0.52 | 1.09 | 1.51 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
0.85 | 1.03 | (0.94) | 0.46 | (6.10) | (7.36) | 6.74 | 1.94 | 4.59 | 14.32 |
EV/FCF |
0.94 | 1.47 | (1.06) | 0.53 | (7.22) | (8.91) | 21.37 | 2.33 | 5.81 | 36.28 |
Quick Ratio |
0.09 | 0.08 | 0.08 | 0.07 | 0.20 | 0.13 | 0.06 | 0.08 | 0.06 | 0.05 |
Current Ratio |
0.80 | 0.80 | 0.77 | 0.78 | 0.85 | 0.92 | 0.94 | 0.95 | 0.93 | 0.95 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.29 | 1.07 | 1.09 | 1.04 | 2.15 | 1.04 | 1.00 | 1.62 | 2.30 | 0.85 |
Capex/Depreciation |
(0.53) | (1.01) | (0.30) | (0.37) | (0.99) | (0.37) | (1.85) | (1.08) | (1.17) | (1.62) |
| 12.45% | 12.72% | 15.79% | 14.97% | 11.15% | 7.77% | 9.62% | 9.93% | 5.78% | 6.73% | |
| 0.89% | 0.82% | 0.92% | 0.94% | 0.83% | 0.63% | 0.80% | 0.81% | 0.49% | 0.60% | |
ROIC |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 19.40% | 86.02% | 22.87% | 14.51% |
Return on Tangible Assets |
(5.42%) | (5.05%) | (4.58%) | (5.33%) | (6.57%) | (10.87%) | (28.80%) | (28.07%) | (10.90%) | (25.69%) |
Average Days of Receivables |
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 |
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 |
59.12% | 56.69% | 60.82% | 69.35% | 71.40% | 73.64% | 67.04% | 67.63% | 70.58% | 72.85% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.26% | 0.26% | 0.29% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(2.44) | (2.74) | (4.09) | (3.68) | (2.11) | (1.38) | (0.68) | (0.61) | (0.62) | (0.38) |
Graham Number |
28.16 | 23.71 | 23.72 | 21.38 | 22.89 | 18.13 | 18.28 | 16.90 | 12.03 | 12.55 |
Earnings Yield |
10.76% | 11.03% | 15.51% | 15.93% | 10.30% | 9.49% | 8.38% | 9.38% | 4.39% | 4.93% |
Free Cash Flow Yield |
12.49% | 8.27% | 15.13% | 14.54% | 18.81% | 8.15% | 2.64% | 12.50% | 8.06% | 1.65% |
Revenue per Share |
13.76 | 13.16 | 11.45 | 9.60 | 8.51 | 8.51 | 7.69 | 6.69 | 5.90 | 5.47 |
Operating CF per Share |
2.57 | 1.87 | 2.08 | 1.98 | 3.44 | 1.09 | 1.16 | 1.78 | 1.39 | 0.58 |
Capex per Share |
(0.25) | (0.56) | (0.23) | (0.25) | (0.54) | (0.19) | (0.80) | (0.30) | (0.29) | (0.35) |
Free Cash Flow per Share |
2.32 | 1.31 | 1.85 | 1.74 | 2.91 | 0.90 | 0.37 | 1.48 | 1.10 | 0.23 |
Cash per Share |
18.59 | 16.14 | 16.40 | 13.15 | 38.57 | 21.12 | 8.13 | 10.45 | 7.69 | 5.96 |
Shareholders Equity per Share |
17.62 | 14.28 | 13.16 | 10.69 | 14.62 | 13.97 | 12.76 | 11.45 | 10.73 | 10.26 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
17.62 | 14.28 | 13.16 | 10.69 | 14.62 | 13.97 | 12.76 | 11.45 | 10.73 | 10.26 |
Free Cash Flow |
10.54 | 5.96 | 8.46 | 8.15 | 13.81 | 4.29 | 1.76 | 7.12 | 5.31 | 1.10 |
Working Capital |
(185.61) | (176.63) | (208.13) | (185.98) | (133.82) | (62.81) | (36.16) | (32.31) | (38.86) | (23.74) |
Capital Expenditures |
(1.12) | (2.55) | (1.03) | (1.16) | (2.54) | (0.91) | (3.83) | (1.45) | (1.40) | (1.69) |
Net Current Asset Value |
(206.29) | (197.84) | (228.48) | (206.06) | (154.89) | (72.38) | (45.48) | (34.90) | (40.93) | (25.31) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.04 | 0.02 | 0.03 | 0.06 | 0.02 | 0.10 | 0.05 | 0.05 | 0.06 |
Price to Operating Income |
7.57 | 7.27 | 5.44 | 5.04 | 8.20 | 8.52 | 9.64 | 8.58 | 12.29 | 13.83 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.11 | 0.13 | 0.19 | 0.17 | 0.14 | 0.14 | 0.12 | 0.10 | 0.10 | 0.10 |
Cash ROIC |
6.41% | 4.31% | 6.27% | 7.28% | 5.47% | 2.56% | 1.75% | 6.75% | 5.99% | 1.41% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
24,700.47 | 20,904.62 | 33,323.38 | 143,986.22 | 154,032.08 | 61,500.65 | 45,032.78 | 58,865.80 | 69,206.46 | 81,457.29 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
909.77 | 880.43 | 863.30 | 867.60 | 826.01 | 707.21 | 630.75 | 589.77 | 545.30 | 495.36 |
Average Assets |
1,009.13 | 974.31 | 948.97 | 958.10 | 919.51 | 788.39 | 700.15 | 650.62 | 600.27 | 550.67 |
Average Common Equity |
72.46 | 62.45 | 55.13 | 59.83 | 68.08 | 64.09 | 58.29 | 53.40 | 50.54 | 48.81 |
Columns are period end dates