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Bank of the James Financial Group BOTJ Q1 2026 earnings

Reported April 30, 2026 · Before market open

Revenue$11.8M
EPS$0.61

Next report

Date not yet announced

Financials

Q1 2026

Income statement

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Revenue$12.7M+15.4%
Net income$2.8M+229%
EPS (diluted)$0.61+221%

Balance sheet

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Cash & equivalents$88.0M-7.3%
Total equity$81.3M+18.9%
Total assets$1.1B+4.9%

Cash flow

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Operating cash flow$4.7M+521%
CapEx$382.0K-38.6%
Free cash flow$4.4M+2,990%

Valuation & ratios

Valuation

as of 07/29/26
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Market cap$126.08M+104%
P/E11.5×+2.9×
P/S2.5×+1.2×

Profitability

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Net margin21.8%+7.1pp
FCF margin29.2%+11.9pp

Returns & leverage

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Return on equity14.6%+4.4pp

Versus estimates

Revenue

Q1 2026$11.8M
Q4 2025$16.3MQ2 2025$15.5MQ1 2025$14.3MQ4 2024$11.6M

Diluted EPS

Q1 2026$0.61
Q4 2025$0.60Q3 2025$0.61Q2 2025$0.60Q1 2025$0.19Q4 2024$0.36

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Questions, answered.

When did Bank of the James Financial Group report Q1 2026 earnings?
Bank of the James Financial Group (BOTJ) reported Q1 2026 earnings on April 30, 2026 before market open.
What were Bank of the James Financial Group's Q1 2026 revenue and EPS?
Bank of the James Financial Group reported revenue of $11.8M and eps of $0.61 for Q1 2026.
How did Bank of the James Financial Group's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 17.3% from $14.3M a year earlier and eps grew 221.1% from $0.19.
Where can I find Bank of the James Financial Group's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001275101-26-000017) and the 10-Q periodic report (0001275101-26-000019) directly on SEC EDGAR. The filing index links above go to sec.gov.