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

Insider Decisions trades per month

Total buys 0.16

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	4	—	—	3	—	—	3	—	—	4	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 12.83%

Capital & Financial Ratios $m

Market Cap 122.62

Revenue 64.85

Net Income 11.49

Free Cash Flow 11.56

Net Debt (35.54)

Current Ratio 0.78

Debt/Equity 0.00

P/E ratio 10.57

Fwd P/E 9.67

P/S ratio 1.87

P/B ratio 1.46

Past 5Y EPS Growth 13.74%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth 8.75%

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 52.64%

10-year low 10-year high

P/S against its own 10 years 67.23%

10-year low 10-year high

P/B against its own 10 years 97.97%

10-year low 10-year high

Dividends

Payout Ratio 0.16

Annual Dividend Rate 0.40

Annual Dividend Yield 1.50%

	total	individual payouts
2026	0.30	0.10 0.10 0.10
2025	0.40	0.10 0.10 0.10 0.10
2024	0.40	0.10 0.10 0.10 0.10
2023	0.32	0.08 0.08 0.08 0.08
2022	0.29	0.07 0.07 0.07 0.08
2021	0.27	0.06 0.06 0.07 0.07
2020	0.25	0.06 0.06 0.06 0.06
2019	0.25	0.05 0.05 0.05 0.05 0.04
2018	0.22	0.05 0.05 0.05 0.05
2017	0.22	0.05 0.05 0.05 0.05
2016	0.22	0.05 0.05 0.05 0.05

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	75	73	84	36
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	681	717	753	731

	2023	2024	2025	Q'26
Payables	878	882	937	935
ST’ Debt	—	—	—	—
Other	—	—	—	—
	889	893	938	936

Compound Annual Growth %

	10y	5y	3y
Sales	9.82%	8.98%	11.50%
Cash Flow	13.29%	17.53%	7.78%
Earnings	9.35%	12.62%	0.23%
Book Value	5.20%	3.71%	16.81%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	16	17	—	—	—
’25	15	16	16	16	63
’24	14	15	15	15	60
’23	12	13	13	14	52
’22	11	11	12	12	45
’21	10	10	10	10	40
’20	10	10	10	11	41

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	5	1	—	—	—
’25	1	4	5	2	12
’24	(1)	3	5	2	9
’23	5	(2)	3	4	9
’22	(3)	4	4	4	9
’21	6	2	1	7	16
’20	0	0	(1)	6	5

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	4	0	—	—	—
’25	0	4	6	1	11
’24	(2)	3	3	2	6
’23	5	(2)	3	3	8
’22	(3)	4	4	4	8
’21	5	2	0	6	14
’20	1	0	(2)	6	4

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.61	0.71	—	—	—
’25	0.19	0.60	0.61	0.60	1.99
’24	0.48	0.47	0.44	0.36	1.75
’23	0.43	0.56	0.46	0.45	1.91
’22	0.45	0.48	0.55	0.42	1.91
’21	0.38	0.42	0.40	0.39	1.60
’20	0.21	0.17	0.31	0.35	1.05

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	10.50	12.61	11.45	11.82	7.27	11.07	10.64	8.12	9.65	11.56	Analyst estimates 2026–2028 Powerpack
	High	14.75	16.82	16.36	14.45	14.68	19.68	16.82	13.50	17.05	18.75
People
People	Employees	133	143	158	160	146	158	173	172	175	175
	Revenue/emp, $m	0.20	0.20	0.20	0.23	0.28	0.26	0.26	0.30	0.34	0.36
Income, $m
Income, $m	Revenue	26	28	32	37	41	40	45	52	60	63
	Gross margin, %	91.11	89.46	88.22	85.77	88.83	94.80	95.23	81.58	74.23	77.85
	EBT	5	5	7	7	6	9	11	10	10	11
	EBT margin, %	18.26	18.88	20.59	18.74	15.20	23.40	24.64	19.68	16.60	17.83
	Net income	3	3	5	6	5	8	9	9	8	9
	Depreciation	1	1	1	2	2	3	3	3	3	2
Per share, $
Per share, $	Revenue	5.47	5.90	6.69	7.69	8.51	8.51	9.60	11.45	13.16	13.76
	Earnings	0.68	0.61	1.10	1.16	1.05	1.60	1.91	1.91	1.75	1.99
	Cash flow	0.58	1.39	1.78	1.16	1.09	3.44	1.98	2.08	1.87	2.57
	Capex	(0.35)	(0.29)	(0.30)	(0.80)	(0.19)	(0.54)	(0.25)	(0.23)	(0.56)	(0.25)
	Free cash flow	0.23	1.10	1.48	0.37	0.90	2.91	1.74	1.85	1.31	2.32
	Book value	10.26	10.73	11.45	12.76	13.97	14.62	10.69	13.16	14.28	17.62
	Shares, m	5	5	5	5	5	5	5	5	5	5
Valuation, ×
Valuation, ×	P/E	20.27	22.80	10.66	11.93	10.54	9.71	6.28	6.45	9.07	9.29
	P/S	2.52	2.32	1.77	1.81	1.29	1.82	1.24	1.07	1.21	1.35
	P/B	1.35	1.28	1.03	1.09	0.79	1.06	1.12	0.93	1.11	1.05
	EV/Sales	1.51	1.09	0.52	1.02	(0.94)	(2.47)	0.10	(0.17)	0.15	0.16
	EV/FCF	36.28	5.81	2.33	21.37	(8.91)	(7.22)	0.53	(1.06)	1.47	0.94
Cash, $m
Cash, $m	Operating cash flow	3	7	9	6	5	16	9	9	9	12
	Capex	(2)	(1)	(1)	(4)	(1)	(3)	(1)	(1)	(3)	(1)
	Free cash flow	1	5	7	2	4	14	8	8	6	11
Balance, $m
Balance, $m	Working capital	(24)	(39)	(32)	(36)	(63)	(134)	(186)	(208)	(177)	(186)
	Total debt	—	5	5	7	11	22	22	—	—	—
	Net debt	(29)	(37)	(50)	(39)	(101)	(183)	(62)	(75)	(73)	(84)
	Shareholders’ equity	49	52	55	61	67	69	50	60	65	80
Returns, %
Returns, %	ROA	0.60	0.49	0.81	0.80	0.63	0.83	0.94	0.92	0.82	0.89
	ROIC	14.51	22.87	86.02	19.40	0.00	0.00	0.00	0.00	0.00	0.00
	ROE	6.73	5.78	9.93	9.62	7.77	11.15	14.97	15.79	12.72	12.45

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
SRBK SR Bancorp, Inc.	$133.4M	41.0×	20.3×	−1.47% (below 0%: shrinking)	−51.91% (below 0%: shrinking)	+141.06% (above 0%: growing)	63.94%	0.00%	Compare
MGYR Magyar Bancorp, Inc.	$128.4M	10.4×	10.6×	+9.88% (above 0%: growing)	+25.00% (above 0%: growing)	+84.11% (above 0%: growing)	63.70%	0.00%	Compare
BOTJ Bank of the James Financial Group, Inc.	$122.6M	10.6×	9.7×	+6.68% (above 0%: growing)	+18.33% (above 0%: growing)	−90.59% (below 0%: shrinking)	81.91%	0.00%
RVSB Riverview Bancorp Inc	$119.1M	— (loss-making)	17.7×	+6.30% (above 0%: growing)	+33.33% (above 0%: growing)	+342.43% (above 0%: growing)	75.12%	0.00%	Compare
BSBK Bogota Financial Corporation	$116.5M	43.4×	29.2×	−5.42% (below 0%: shrinking)	+200.00% (above 0%: growing)	+11.78% (above 0%: growing)	43.91%	0.00%	Compare
WSBK Winchester Bancorp, Inc.	$116.0M	26.4×	—	+16.83% (above 0%: growing)	—	−44.14% (below 0%: shrinking)	52.64%	0.00%	Compare
OPHC OptimumBank Holdings, Inc.	$113.0M	5.6×	6.5×	+38.96% (above 0%: growing)	+29.03% (above 0%: growing)	+67.40% (above 0%: growing)	70.97%	0.00%	Compare
PROV Provident Financial Holdings, Inc.	$112.9M	17.4×	13.1×	+1.58% (above 0%: growing)	+40.00% (above 0%: growing)	+52.70% (above 0%: growing)	69.62%	0.00%	Compare
UNB Union Bankshares, Inc.	$112.6M	8.8×	—	+8.47% (above 0%: growing)	+15.09% (above 0%: growing)	+1,783.20% (above 0%: growing)	63.79%	0.00%	Compare
Median of peers	$116.2M	17.4×	15.4×	+7.39%	+29.03%	+75.76%	63.86%	0.00%

All 323 Banks Regional stocks →

Bank of the James Financial Group, Inc. (BOTJ) key facts

Strength: 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.
Strength: Net income was $9.0 million, or $1.99 per share (basic), a net margin of 14.4%.
Bank of the James Financial Group, Inc. (BOTJ) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, BOTJ traded at $26.74, a market capitalization of $122.6 million.
At that price the stock trades at 10.6× trailing-twelve-month earnings and 1.9× sales; its P/E is higher than 53% of its own readings over the past ten years.
Bank of the James Financial Group, Inc. pays an annual dividend of $0.40 per share, a yield of 1.50%, with a payout ratio of 15.8%.
Return on equity was 12.5% and debt-to-equity 0.00.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.