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Bank of the James Financial Group BOTJ Q4 2025 Annual earnings

Reported February 4, 2026 · Before market open

Revenue$16.3M
EPS$0.60

Next report

Date not yet announced

Financials

Q4 2025

Income statement

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Revenue$12.9M+11.8%
Net income$2.7M+68.3%
EPS (diluted)$0.60+66.7%

Balance sheet

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Cash & equivalents$84.5M+15.2%
Total debt$3.3M-14.8%
Total equity$80.0M+23.4%
Total assets$1.0B+6.1%

Cash flow

See full
Operating cash flow$2.0M+4.7%
CapEx$633.0K+85.6%
Free cash flow$1.3M-13.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$84.42M+17.1%
Enterprise value$3.29M+20.8%
P/E9.4×+0.3×
P/S1.7×+0.1×

Profitability

See full
Net margin18.5%+0.6pp
FCF margin21.6%+8.1pp

Returns & leverage

See full
Return on equity12.5%-0.3pp
Debt / equity0×0.0×

Segments

By segment

See full
Community Banking$1.1M+6.7%

Versus estimates

Revenue

Q1 2026$11.8M
Q4 2025$16.3M
Q2 2025$15.5MQ1 2025$14.3MQ4 2024$11.6M

Diluted EPS

Q1 2026$0.61
Q4 2025$0.60
Q3 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 Q4 2025 earnings?
Bank of the James Financial Group (BOTJ) reported Q4 2025 earnings on February 4, 2026 before market open.
What were Bank of the James Financial Group's Q4 2025 revenue and EPS?
Bank of the James Financial Group reported revenue of $16.3M and eps of $0.60 for Q4 2025.
How did Bank of the James Financial Group's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 41.2% from $11.6M a year earlier and eps grew 66.7% from $0.36.
Where can I find Bank of the James Financial Group's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001275101-26-000008) and the 10-K periodic report (0001275101-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.