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

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	8.86	9.29	8.51	10.09
P/S ratio Full definition →		1.15	1.35	1.47	1.79
P/FCF ratio Full definition →		6.60	8.01	6.34	10.03
P/Operating CF Full definition →		13.45	42.76	19.75	183.45
P/B ratio Full definition →		0.92	1.05	1.15	1.39
Price to Tangible BV Full definition →		1.03	1.18	1.28	1.54
EV/Sales Full definition →		(0.07)	0.16	0.24	1.39
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		(0.40)	0.85	1.00	7.17
EV/FCF Full definition →		(0.43)	0.94	1.06	7.82
Quick Ratio Full definition →		0.09	0.09	0.09	0.04
Current Ratio Full definition →		0.81	0.80	0.78	0.78
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		0.00%	0.00%	0.00%	0.00%
Debt/Equity Full definition →		0.00	0.00	0.00	0.00
Asset Turnover Full definition →		0.06	0.06	0.06	0.06
Operating CF/Net income Full definition →		1.92	0.72	1.71	0.20
Capex/Depreciation Full definition →		0.50	(1.27)	(0.78)	(0.62)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		57.16%	56.51%	57.41%	56.80%
Intangible Assets out of Total Assets Full definition →		0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Graham Net Nets Full definition →		(2.79)	(2.44)	(2.53)	(1.96)
Graham Number Full definition →		25.90	28.16	31.21	32.28
Earnings Yield Full definition →		11.28%	10.76%	11.75%	9.91%
Free Cash Flow Yield Full definition →		15.16%	12.49%	15.77%	9.97%
Revenue per Share Full definition →		3.51	3.60	3.48	3.69
Operating CF per Share Full definition →		1.16	0.43	1.04	0.14
Capex per Share Full definition →		0.06	(0.14)	(0.08)	(0.07)
Free Cash Flow per Share Full definition →		1.22	0.30	0.96	0.07
Cash per Share Full definition →		18.81	18.59	19.37	7.82
Shareholders Equity per Share Full definition →		16.94	17.62	17.89	18.30
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		16.94	17.62	17.89	18.30
Free Cash Flow Full definition →		5.53	1.34	4.36	0.33
Working Capital Full definition →		(175.58)	(185.61)	(214.48)	(205.63)
Capital Expenditures Full definition →		0.26	(0.63)	(0.38)	(0.30)
Net Current Asset Value Full definition →		(197.65)	(206.29)	(236.70)	(227.48)
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		(0.02)	0.04	0.02	0.02
Price to Operating Income Full definition →		7.29	7.57	6.89	8.13
Other line items
Average Payables Full definition →		913.70	909.77	934.12	922.86
Average Assets Full definition →		1,014.09	1,009.13	1,036.46	1,022.77
Average Common Equity Full definition →		72.90	72.46	74.82	77.41

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Columns are period end dates

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