Bank of the James Financial Group (BOTJ) Financial Statements & Analysis

Bank of the James Financial Group (BOTJ) Income Statement

Bank of the James Financial Group reported revenue of $62.51M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 38.8% from $45.03M a year earlier. Net income was $9.02M, up 13.6% year over year, a net margin of 14.4%. Gross margin was 77.9% and operating margin 17.8%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $13.38M, down 13.4% from the same quarter a year earlier.

Bank of the James Financial Group Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Bank of the James Financial Group, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	62.51	45.03	41.80	43.85	37.19	39.55	36.35	31.68	27.93
Cost of Revenue	13.81	14.75	9.44	1.25	1.60	7.09	5.79	4.51	3.99
Gross Profit	48.69	44.21	41.98	42.92	37.69	32.46	30.56	27.17	23.94
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	22.35	12.30	19.65	10.86	17.86	16.91	14.78	12.84	11.65
Operating Expenses	37.55	34.29	31.70	31.81	28.23	26.28	23.63	20.54	18.58
Operating Income	11.15	9.92	10.28	11.11	9.45	6.18	6.93	6.63	5.36
Other Income/Expense
Interest Income	46.66	44.55	39.28	31.79	29.11	29.61	29.72	26.90	23.59
Interest Expense	13.85	15.41	9.62	2.15	2.10	4.54	5.26	3.80	2.99
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	11.15	9.92	10.28	11.11	9.45	6.18	6.93	6.63	5.36
Income Tax Expense	2.12	1.98	1.58	2.15	1.86	1.20	1.33	1.33	2.44
Net Income	9.02	7.94	8.70	8.96	7.59	4.98	5.61	5.30	2.92
Net Income - Continuous Operations	9.02	7.94	8.70	8.96	7.59	4.98	5.61	5.30	2.92
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	12.47	1.94	12.25	2.61	2.06	8.21	8.60	7.56	6.17
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	1.33	0.56	0.56	2.61	2.06	2.03	1.67	0.93	0.81
Earnings Per Share
Basic EPS	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00
Diluted EPS	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00
Basic Shares Outstanding	4.54	4.54	4.56	4.70	4.75	4.78	4.81	4.82	4.82
Diluted Shares Outstanding	4.54	4.54	4.56	4.70	4.75	4.78	4.82	4.82	4.82

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Bank of the James Financial Group Financial Statements

What was Bank of the James Financial Group's revenue in fiscal 2025?

Bank of the James Financial Group reported revenue of $62.51M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 38.8% from $45.03M a year earlier.

Is Bank of the James Financial Group profitable?

Yes. Bank of the James Financial Group earned net income of $9.02M in fiscal 2025, a net margin of 14.4%. In fiscal 2024 it earned $7.94M.

What is Bank of the James Financial Group's operating margin?

Bank of the James Financial Group's operating income was $11.14M on revenue of $62.51M in fiscal 2025, an operating margin of 17.8%, compared with 22.0% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition