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Bank of the James Financial Group BOTJ Q3 2025 earnings

Reported October 30, 2025 · Before market open

Revenue$12.5M
EPS$0.61

Next report

Date not yet announced

Financials

Q3 2025

Income statement

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Revenue$12.5M+10.0%
Net income$2.8M+38.3%
EPS (diluted)$0.61+38.6%

Balance sheet

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Cash & equivalents$85.5M-21.8%
Total equity$77.0M+11.8%
Total assets$1.0B+1.2%

Cash flow

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Operating cash flow$5.3M+6.0%
Free cash flow$5.5M+63.6%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$70.88M+13.5%
P/E9×+1.6×
P/S1.5×+0.1×

Profitability

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Net margin16.7%-2.7pp
FCF margin22.6%+4.6pp

Returns & leverage

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Return on equity10.9%-3.3pp

Segments

By segment

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Community Banking$1.1M+6.7%

FAQ

When did Bank of the James Financial Group report Q3 2025 earnings?
Bank of the James Financial Group (BOTJ) reported Q3 2025 earnings on October 30, 2025 before market open.
What were Bank of the James Financial Group's Q3 2025 revenue and EPS?
Bank of the James Financial Group reported revenue of $12.5M and eps of $0.61 for Q3 2025.
How did Bank of the James Financial Group's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.9% from $11.1M a year earlier and eps grew 38.6% from $0.44.
Where can I find Bank of the James Financial Group's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001275101-25-000005) and the 10-Q periodic report (0001275101-25-000007) directly on SEC EDGAR. The filing index links above go to sec.gov.