What is Bank of the James Financial Group's revenue?

Bank of the James Financial Group (BOTJ) generated $50.4M in revenue over the trailing twelve months, up 11.6% year over year.

Is Bank of the James Financial Group profitable?

Bank of the James Financial Group reported $11.0M in net income over the trailing twelve months, a 21.8% net margin.

What is Bank of the James Financial Group's earnings per share?

Bank of the James Financial Group's diluted EPS over the trailing twelve months is $2.42.

Where does Bank of the James Financial Group's income statement data come from?

Every line is extracted from Bank of the James Financial Group's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Bank of the James Financial Group BOTJ Income Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Net interest income	$32.81M+12.2%	$29.24M-1.7%	$29.74M+0.1%	$29.7M+9.7%
Net interest income after provision for credit losses	$32.84M+9.9%	$29.89M-0.1%	$29.92M-2.2%	$30.6M+11.0%
Total noninterest income	$15.85M+4.7%	$15.14M+17.6%	$12.87M-2.8%	$13.24M+18.2%
Total interest income	$46.66M+4.5%	$44.64M+13.4%	$39.36M+23.6%	$31.85M+9.2%
Total revenue	$48.66M+9.7%	$44.37M+4.1%	$42.61M-0.8%	$42.95M+12.2%
Selling and marketing	$867K+12.9%	$768K-16.4%	$919K-0.1%	$920K-1.5%
Compensation and benefits	$20.96M+8.6%	$19.3M+5.4%	$18.31M+3.6%	$17.68M+8.0%
Occupancy and equipment	$2.14M+8.8%	$1.96M+8.0%	$1.82M+0.3%	$1.81M+8.4%
Advertising	$867K+12.9%	$768K-99.9%	$919M+99,791%	$920K-1.5%
Depreciation and amortization	$1.33M-3.6%	$1.38M-2.1%	$1.41M-31.3%	$2.05M-0.5%
Provision for credit losses	——	-$655K—	——	-$900K-80.0%
Other operating expenses	$1.75M+3.5%	$1.69M+21.6%	$1.39M-30.2%	$1.99M+32.1%
Total noninterest expense	$37.55M+7.0%	$35.11M+8.0%	$32.51M-0.7%	$32.74M+11.6%
Interest expense	$13.85M-10.1%	$15.41M+60.1%	$9.62M+348%	$2.15M+2.3%
Interest income	$37.25M+8.0%	$34.51M+10.0%	$31.38M+19.9%	$26.18M-1.3%
Other income (expense), net	——	——	——	$16K-11.1%
Gain (loss) on disposal of assets	$28K—	——	——	$18K—
Income before income taxes	1,880,000,000%+102,500,000%	1,777,500,000%-73,100,000%	1,850,600,000%-131,800,000%	1,982,400,000%+321,200,000%
Income tax expense	$2.12M+7.3%	$1.98M+21.3%	$1.63M-24.2%	$2.15M+15.5%
Net income	$9.02M+13.6%	$7.94M-8.7%	$8.7M-2.8%	$8.96M+18.1%
Net margin	18.5%+0.6pp	17.9%-2.5pp	20.4%-0.4pp	20.9%+1.0pp
Diluted earnings per share	$2.00+14.3%	$1.75-8.9%	$1.92+0.5%	$1.91+20.1%
Basic earnings per share	$2.00+14.3%	$1.75-8.9%	$1.92+0.5%	$1.91+19.4%
Weighted-average shares, diluted	18.2M0.0%	18.2M-0.5%	18.3M-3.1%	18.9M-0.7%
Weighted-average shares, basic	18.2M0.0%	18.2M-0.5%	18.3M-3.1%	18.9M-0.7%
Accretion (Amortization) of Discounts and Premiums, Investments	-$211K+63.0%	-$571K+60.3%	-$1.44M-183%	-$508K—
Amortization Of Financing Costs	——	$6K—	——	$10K—
Amortization of capitalized software and acquired intangible assets	$561K+0.2%	$560K0.0%	$560K0.0%	$560K—
Stock options excluded as their inclusion would be anti-dilutive (in shares)	$0.00—	$0.00—	$0.00—	——
Bank Owned Life Insurance Income	$769K+6.7%	$721K+31.6%	$548K+21.2%	$452K+5.1%
Capital Conservation Buffer	——	——	——	——
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect	——	——	——	——
Common Equity Tier I Capital To Average Assets Actual Amount	——	——	——	——
Common Equity Tier I Capital To Average Assets Actual Ratio	——	——	——	——
Common Equity Tier I Capital To Average Assets For Capital Adequacy Purposes Amount	——	——	——	——
Common Equity Tier I Capital To Average Assets To Be Well Capitalized Under Promp Corrective Action Provisions Amount	——	——	——	——
Dividends declared (in dollars per share)	$0.400.0%	$0.40+25.0%	$0.32+10.3%	$0.29+3.6%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent	$17M—	——	$13.87M—	——
Credit Expense	$904K+10.8%	$816K+1.4%	$805K-12.8%	$923K-16.3%
Current Federal, State and Local, Tax Expense (Benefit)	$2.28M+16.8%	$1.95M—	——	——
Federal	$2.28M+16.5%	$1.96M+1.3%	$1.93M-10.6%	$2.16M+23.6%
Current State And Local Tax Expense Benefit	——	-$6K—	——	——
Data Processing	$2.42M-19.2%	$3M+6.9%	$2.81M+13.7%	$2.47M+36.4%
Gain (loss) on available-for-sale debt securities	$10.1M+714%	-$1.64M—	——	——
Federal	-$282K-166%	-$106K+70.2%	-$356K-3,460%	-$10K-109%
State	$126K-6.0%	$134K—	——	——
Dividends, Common Stock, Cash	$1.82M-0.1%	$1.82M+24.4%	$1.46M+7.0%	$1.37M+7.4%
Effective tax rates	$0.33-4.5%	$0.35—	——	——
Effective Income Tax Rate Reconciliation Appreciation In Cash Surrender Value Of Life Insurance Percent	——	——	——	——
Effective Income Tax Rate Reconciliation Appreciation In Cash Surrender Value Of Life Insurance Amount	$162K+7.3%	$151K—	——	——
Income taxes at U.S. statutory rate of 21%	——	——	——	——
State income taxes – net of federal income tax benefit	——	——	——	——
Effective Income Tax Rate Reconciliation Tax Exempt Income	——	——	——	——
Equipment	$2.77M+10.6%	$2.5M+3.4%	$2.42M-5.4%	$2.55M+1.1%
Net Transfers In (Out)	$0—	——	——	——
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, (Sales), Issuances, (Settlements)	$0—	——	——	——
FDIC assessments	91,200,000%+14,200,000%	77,000,000%+3,000,000%	74,000,000%-14,200,000%	88,200,000%-9,100,000%
Finance Lease Interest Payment On Liability	$515K+7.7%	$478K+5.3%	$454K+0.2%	$453K0.0%
Finance Lease Principal Payments	$451K+12.2%	$402K+9.5%	$367K+2.8%	$357K-13.8%
Finance Lease Right Of Use Asset Amortization	$414K0.0%	$414K0.0%	$414K0.0%	$414K0.0%
Finance Leases Interest Expense	$65K-14.5%	$76K-11.6%	$86K—	——
Gross charge-offs	$447K—	——	$236K—	——
Account Balances	$0—	$0—	——	——
Recognized interest income	$9K—	——	——	——
Financing Receivable Nonaccrual Interest Reversed	$81K+131%	$35K—	$0—	——
Gain Loss On Sale Of Property Plant Equipment	$28K—	——	——	$18K—
Net gains/(losses) on sales of loans	$4.85M+8.0%	$4.49M+14.1%	$3.94M-25.1%	$5.26M-36.4%
Income From Sbic Fund	$506K-45.8%	$934K+592%	$135K—	——
Federal taxes	$2.34M+26.5%	$1.85M—	——	——
State taxes	$0—	$0—	——	——
Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount	——	——	——	——
Effective Income Tax Rate Reconciliation, Other Adjustments, Amount	-$46K-179%	$58K+583%	-$12K+85.9%	-$85K-150%
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount	$100K-1.0%	$101K+181%	$36K—	——
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount	$109K-3.5%	$113K-52.9%	$240K—	——
Increase Decrease In Accrued Interest Receivable Net	$315K+28.0%	$246K+148%	$99K-85.3%	$672K+334%
Increase (Decrease) in Deferred Income Taxes	$156K+657%	-$28K—	——	——
Increase (Decrease) in Deposits	$55.88M—	——	$32.07M—	——
Increase Decrease In Interest Payable Net	——	——	$391K+809%	$43K+210%
Increase (Decrease) in Other Operating Assets	-$979K-1,858%	-$50K—	——	——
Other liabilities	——	$1.76M+264%	$483K+556%	-$106K—
Interest and Dividend Income, Operating	$46.66M+4.5%	$44.64M+13.4%	$39.36M+23.6%	$31.85M+9.2%
Interest and Fee Income, Loans and Leases	$37.25M+8.0%	$34.51M+10.0%	$31.38M+19.9%	$26.18M-1.3%
Interest Expense Medium Term Notes	——	$304K-7.0%	$327K0.0%	$327K0.0%
Savings, interest checking and money market	$4.95M-9.3%	$5.46M+82.8%	$2.98M+438%	$555K-1.6%
Long-term debt	$389K-2.5%	$399K+0.3%	$398K-9.5%	$440K—
Time deposits	$8.28M-9.7%	$9.17M+58.3%	$5.8M+692%	$732K-33.8%
Interest Income, Deposits with Financial Institutions	$559K-27.9%	$775K+56.3%	$496K+75.9%	$282K+755%
Interest Income (Expense), after Provision for Loan Loss	$32.84M+9.9%	$29.89M-0.1%	$29.92M-2.2%	$30.6M+11.0%
Interest Income (Expense), Operating	$32.81M+12.2%	$29.24M-1.7%	$29.74M+0.1%	$29.7M+9.7%
Federal Funds Sold	$3.02M-16.8%	$3.63M+47.4%	$2.46M+241%	$721K+574%
Interest Income On Loans If Had Been Accrued	——	——	——	——
Interest Income Securities Corporate Debt Operating	——	——	——	——
Interest Income Securities Mortgage Backed	$1.55M-33.3%	$2.32M+21.9%	$1.9M+14.7%	$1.66M+258%
Interest Income Securities State And Municipal	$1.38M+12.8%	$1.22M+7.0%	$1.14M+6.9%	$1.07M+31.3%
Interest Income Securities US Treasury	——	$1.47M—	——	——
Interest Paid, Excluding Capitalized Interest, Operating Activity	$13.4M-11.6%	$15.17M+64.3%	$9.23M+338%	$2.11M-1.6%
Lease Cost	$661K-1.6%	$672K+8.0%	$622K-1.4%	$631K-2.2%
Line Of Credit Unsecured Federal Funds	$58M—	——	——	——
Loan Modifications That Would Have Been Classified As Tdrs	——	0—	0—	——
Loans And Leases Receivable Related Parties Proceeds	$790K-40.5%	$1.33M+2.1%	$1.3M-70.2%	$4.37M-50.0%
Marketing	$867K+12.9%	$768K-16.4%	$919K-0.1%	$920K-1.5%
Cash Provided by (Used in) Financing Activity, Including Discontinued Operation	——	——	$29.27M—	——
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation	-$42.4M-279%	-$11.17M—	——	——
Cash Provided by (Used in) Operating Activity, Including Discontinued Operation	$11.66M+37.0%	$8.51M—	——	$9.31M-43.0%
Net Revenue	$48.66M+1.5%	$47.96M+12.6%	$42.61M—	——
Noninterest Expense	$37.55M+7.0%	$35.11M+8.0%	$32.51M-0.7%	$32.74M+11.6%
Total other income	——	——	——	$16K-11.1%
Number Of Bank Branches	40.0%	40.0%	40.0%	40.0%
Number Of Bank Divisions	20.0%	20.0%	20.0%	2—
Number Of Finance Leases	20.0%	20.0%	20.0%	20.0%
Number Of Leased Locations Under Long Term Leases	40.0%	40.0%	40.0%	40.0%
Number Of Modified Loans Defaulted	——	——	——	——
Number Of Operating Leases	20.0%	20.0%	20.0%	20.0%
Number of reportable segments	——	——	——	——
Number Of Securities Owned In Unrealized Loss Position	126—	——	——	——
Number Of Securities Past Due Or On Nonaccrual	0—	0—	0—	——
Number Of Wholly Owned Non Operating Subsidiaries	10.0%	10.0%	10.0%	10.0%
Operating Lease Payments	$169K0.0%	$169K+30.0%	$130K+16.1%	$112K0.0%
Other comprehensive income/(loss)	$7.98M+714%	-$1.3M-125%	$5.17M+120%	-$25.7M-709%
Tax expense (benefit) of unrealized gains/losses on available for sale securities still held	$2.13M+743%	-$331K-124%	$1.37M+120%	-$6.83M-709%
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax	$10.13M+740%	-$1.58M-124%	$6.54M+120%	-$32.53M-709%
Other Depreciation and Amortization	$1.33M-3.6%	$1.38M-2.1%	$1.41M-9.6%	$1.56M-0.6%
Membership and other income	——	——	$4.73M—	——
Payments For Origination Of Loans Net Of Principal Collected	$24.64M-27.7%	$34.1M—	——	——
Payments For Origination Of Mortgage Loans Held For Sale	$172.39M-9.6%	$190.67M+15.9%	$164.51M-22.9%	$213.41M-35.6%
Payments of Ordinary Dividends, Common Stock	$1.82M-0.1%	$1.82M+24.4%	$1.46M+7.0%	$1.37M+7.4%
Payments to Acquire Debt Securities, Available-for-Sale	$44.26M+113%	$20.75M-40.5%	$34.85M-54.5%	$76.56M-8.8%
Payments to Acquire Other Investments	——	$100K—	——	$927K+64.4%
Payments to Acquire Property, Plant, and Equipment	——	$2.55M+62.0%	$1.57M+32.2%	$1.19M-59.1%
Short-term Federal Home Loan Bank borrowings	$60.96M+83.6%	$33.21M-3.8%	$34.54M+57.6%	$21.91M-22.3%
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale	$23.75M+49.8%	$15.85M+30.7%	$12.13M+3.5%	$11.72M+40.2%
Proceeds From Sale Of Loans Held For Sale	$177.38M-8.0%	$192.81M+13.7%	$169.61M-22.1%	$217.87M-36.8%
Professional And Other Outside Expenses	$3.97M+14.3%	$3.47M—	——	$2.59M+13.3%
Net additions (releases) charged to costs and expenses	——	-$533K—	——	-$900K—
Supplies Expense	$631K+16.4%	$542K+2.3%	$530K+1.7%	$521K+10.6%
Unsecured Federal Funds Outstanding Amount	$0—	$0—	$0—	$0—

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Questions, answered.

What is Bank of the James Financial Group's revenue?: Bank of the James Financial Group (BOTJ) generated $50.4M in revenue over the trailing twelve months, up 11.6% year over year.
Is Bank of the James Financial Group profitable?: Bank of the James Financial Group reported $11.0M in net income over the trailing twelve months, a 21.8% net margin.
What is Bank of the James Financial Group's earnings per share?: Bank of the James Financial Group's diluted EPS over the trailing twelve months is $2.42.
Where does Bank of the James Financial Group's income statement data come from?: Every line is extracted from Bank of the James Financial Group's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.