Skip to content
OpenCapital
Get started

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

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

Balance sheet

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

Cash flow

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

Valuation & ratios

Valuation

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

Profitability

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

Returns & leverage

See full
Return on equity10.9%-3.3pp

Segments

By segment

See full
Community Banking$1.1M+6.7%

Versus estimates

Revenue

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

Diluted EPS

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

Ask the moment Bank of the James Financial Group reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

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 10-Q periodic report (0001275101-25-000007) directly on SEC EDGAR. The filing index links above go to sec.gov.