Bank Of The James Financial Group Inc
BOTJ Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$30.01
KIRA · Stoqly’s AI analyst, in plain words
- Bank Of The James Financial Group Inc had $4.3M of revenue in fiscal 2025, up 6.7% on the year before. Over five years, revenue changed +16.0% a year on average.
- Bank Of The James Financial Group Inc made $9.0M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 11.5% a year.
- Bank Of The James Financial Group Inc returned $1.8M to shareholders in fiscal 2025, 17% of free cash flow. The diluted share count rose 0.0%.
- It earned 12.5% on shareholders’ money. Running costs took 878.8% of revenue (the efficiency ratio; lower is better).
Market cap
$136M
P/E
11.9x
Revenue
$4.3M
Net income
$9.0M
Return on equity
12.5%
Efficiency ratio
878.8%
Bank Of The James Financial Group Inc in 30 seconds · fiscal 2025
Are sales growing?
+6.7%
Yes. Sales grew 6.7% last year.
Does it make a profit?
211.1%
Yes. It keeps 211.1% of every sale as profit.
How lean are its costs?
878.8%
Costly. Running costs take 878.8% of revenue.
How much does it earn on its capital?
12.5%
Good. It earns 12.5% a year on shareholders’ money.
How is the share priced?
11.9x
One share costs 11.9 times its yearly profit per share.
What Bank Of The James Financial Group Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Legal name
- BANK OF THE JAMES FINANCIAL GROUP INC
- CIK
- 0001275101
Bank Of The James Financial Group Inc · BOTJ
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $2.5M | $3.6M | $3.9M | $4.0M | $4.3M |
| Revenue growth | 22.8% | 43.9% | 8.6% | 2.6% | 6.7% |
| Net interest income | $27.1M | $29.7M | $29.7M | $29.2M | $32.8M |
| Net income | $7.6M | $9.0M | $8.7M | $7.9M | $9.0M |
| Net margin | 304.0% | 249.5% | 223.1% | 198.5% | 211.1% |
| Diluted EPS | $1.60 | $1.91 | $1.91 | $1.75 | $1.99 |
| Cash | |||||
| Cash from operations | $16.3M | $9.3M | $9.5M | $8.5M | $11.7M |
| Capital expenditure | $2.9M | $1.2M | $1.6M | $2.6M | $1.2M |
| Free cash flow | $13.4M | $8.1M | $7.9M | $6.0M | $10.5M |
| FCF margin | 538.5% | 226.1% | 203.0% | 148.9% | 245.6% |
| Dividends paid | $1.3M | $1.4M | $1.5M | $1.8M | $1.8M |
| Share buybacks | $0.4M | $1.4M | $1.0M | — | — |
| Share count change | −0.6% | −1.0% | −2.9% | −0.4% | 0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $183M | $61.8M | $74.8M | $73.3M | $84.5M |
| Loans, net | $576M | $605M | $602M | $637M | $661M |
| Deposits | $887M | $848M | $878M | $882M | $937M |
| Shareholders' equity | $69.4M | $50.2M | $60.0M | $64.9M | $80.0M |
| Returns and quality | |||||
| Return on equity | 11.1% | 15.0% | 15.8% | 12.7% | 12.5% |
| Return on tangible equity | 13.1% | 22.2% | 17.2% | 14.2% | 12.6% |
| Efficiency ratio | 1,175.4% | 911.6% | 833.3% | 877.0% | 878.8% |
Insiders bought, 12 months
$0.2M
6 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Bank Of The James Financial Group Inc · BOTJ
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $30.01 a share, the company is worth $136M: 11.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001275101). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.