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

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

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Columns are period end dates

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