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Bank of the James Financial Group BOTJ Q2 2025 earnings

Reported August 4, 2025 · Before market open

Revenue$15.5M
EPS$0.60

Next report

Date not yet announced

Financials

Q2 2025

Income statement

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Revenue$12.3M+9.2%
Net income$2.7M+25.9%
EPS (diluted)$0.60+27.7%

Balance sheet

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Cash & equivalents$77.9M+4.4%
Total equity$71.7M+16.1%
Total assets$1.0B+2.7%

Cash flow

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Operating cash flow$3.7M+26.7%
CapEx$125.0K+10.6%
Free cash flow$3.5M+27.4%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$64.74M+26.6%
P/E9×+3.0×
P/S1.4×+0.2×

Profitability

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Net margin15.5%-4.5pp
FCF margin18.6%+2.9pp

Returns & leverage

See full
Return on equity10.7%-4.2pp

Segments

By segment

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Community Banking$1.1M+6.7%

Versus estimates

Revenue

Q1 2026$11.8MQ4 2025$16.3M
Q2 2025$15.5M
Q1 2025$14.3MQ4 2024$11.6M

Diluted EPS

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

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Questions, answered.

When did Bank of the James Financial Group report Q2 2025 earnings?
Bank of the James Financial Group (BOTJ) reported Q2 2025 earnings on August 4, 2025 before market open.
What were Bank of the James Financial Group's Q2 2025 revenue and EPS?
Bank of the James Financial Group reported revenue of $15.5M and eps of $0.60 for Q2 2025.
How did Bank of the James Financial Group's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 2.1% from $15.1M a year earlier and eps grew 27.7% from $0.47.
Where can I find Bank of the James Financial Group's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001562762-25-000212) directly on SEC EDGAR. The filing index links above go to sec.gov.