BANK OF THE JAMES FINANCIAL GROUP INC
BANK OF THE JAMES FINANCIAL GROUP INC
Insider Sentiment (TTM):
Last Purchase:2026-05-07Last Sale:-Shares Purchased (TTM):8,375.35Shares Sold (TTM):0
Institutional Sentiment:
As of:2026-03-31Institutional Shares Owned:1,045,666Shares Outstanding:4,543,338Institutional Ownership Pct.:23.02%
Earnings Market Reaction:
Filing Date:2026-05-12Price on Filing Date:N/APrevious Close:N/A% Change:N/A
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) — SEC Financial Statements & Analysis
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 25 | 29 | 28 | 23 | 26 | 23 | 23 | 23 | 25 | 26 | 20 | 22 | |||||
Federal Funds Sold | 63 | 56 | 57 | 55 | 69 | 50 | 87 | 52 | 63 | 49 | 79 | 51 | |||||
Cash Cash Equivalents And Federal Funds Sold | 88 | 84 | 85 | 78 | 95 | 73 | 109 | 75 | 88 | 75 | 100 | 74 | |||||
Held To Maturity Securities | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Debt Securities Available For Sale And Held To Mat… | - | - | - | - | - | - | - | - | - | - | - | 187 | |||||
Available For Sale Securities Debt Securities | 245 | 214 | 203 | 197 | 193 | 188 | 192 | 206 | 215 | 217 | 182 | - | |||||
Restricted Investments | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | |||||
Notes Receivable Net | - | - | - | - | - | - | - | - | - | - | - | 610 | |||||
Financing Receivable Excluding Accrued Interest Af… | 649 | 661 | 653 | 649 | 642 | 637 | 627 | 637 | 601 | 602 | 600 | - | |||||
Loans Held For Sale Fair Value Disclosure | 3 | 3 | 4 | 4 | 5 | 4 | 3 | 5 | 5 | 1 | 3 | 6 | |||||
Property Plant And Equipment Net | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 18 | 18 | 18 | 18 | 18 | |||||
Interest Receivable | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Bank Owned Life Insurance | 24 | 24 | 23 | 23 | 23 | 23 | 23 | 23 | 22 | 22 | 21 | 21 | |||||
Real Estate Acquired Through Foreclosure | - | - | - | - | - | - | - | - | - | - | - | 1 | |||||
Finite Lived Intangible Assets Net | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | |||||
Other Real Estate | - | - | - | - | - | - | - | - | - | 0 | 0 | - | |||||
Goodwill | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Deferred Income Tax Assets Net | - | - | - | 8 | - | - | - | - | - | - | - | - | |||||
Other Assets | 17 | 16 | 16 | 9 | 17 | 18 | 17 | 19 | 18 | 18 | 19 | 18 | |||||
Assets | 1,061 | 1,039 | 1,020 | 1,004 | 1,012 | 979 | 1,008 | 978 | 985 | 969 | 961 | 951 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Deposits | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 145 | 131 | 133 | 138 | 139 | 130 | 132 | 136 | 144 | 134 | 155 | 151 | |||||
Deposits Negotiable Order Of Withdrawal N O W | 577 | 570 | 548 | 544 | 560 | 522 | 541 | 521 | 530 | 538 | 525 | 526 | |||||
Time Deposits | 235 | 235 | 239 | 229 | 213 | 231 | 234 | 228 | 219 | 206 | 201 | 190 | |||||
Deposits | 957 | 937 | 920 | 911 | 912 | 882 | 907 | 882 | 893 | 878 | 880 | 867 | |||||
Notes Payable | - | - | - | - | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Other Borrowings | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 10 | 10 | 10 | 10 | 10 | |||||
Taxes Payable Current And Noncurrent | - | - | - | 0 | - | - | - | - | - | - | - | - | |||||
Interest Payable Current And Noncurrent | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | |||||
Other Liabilities | 13 | 12 | 13 | 12 | 12 | 12 | 11 | 11 | 11 | 10 | 10 | 11 | |||||
Liabilities | 980 | 959 | 943 | 933 | 943 | 914 | 939 | 916 | 924 | 909 | 911 | 898 | |||||
Stockholders Equity | |||||||||||||||||
Common Stock Value | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Additional Paid In Capital Common Stock | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | |||||
Retained Earnings Accumulated Deficit | 52 | 50 | 48 | 45 | 43 | 43 | 42 | 40 | 38 | 37 | 35 | 33 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -16 | -15 | -16 | -19 | -20 | -23 | -18 | -23 | -23 | -22 | -30 | -25 | |||||
Stockholders Equity | 81 | 80 | 77 | 72 | 68 | 65 | 69 | 62 | 60 | 60 | 50 | 53 | |||||
Liabilities And Stockholders Equity | 1,061 | 1,039 | 1,020 | 1,004 | 1,012 | 979 | 1,008 | 978 | 985 | 969 | 961 | 951 | |||||
Held To Maturity Securities Fair Value | 3 | 3 | 3 | - | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Financing Receivable Allowance For Credit Loss Exc… | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 8 | |||||
Common Stock Par Or Stated Value Per Share | 2.14 | 2.14 | 2.14 | 2.14 | 2.14 | 2.14 | 2.14 | 2.14 | 2.14 | 2.14 | 2.14 | 2.14 | |||||
Debt Securities Held To Maturity Allowance For Cre… | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | - | - | - | - | - | - | - | - | 8 | |||||
Preferred Stock Shares Authorized | - | - | - | - | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Preferred Stock Shares Issued | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Common Stock Shares Issued | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Shares Outstanding | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -1.49% | 9.97% | - | - | - | - | - | - | - | - | - | - |
| 2025 | 1.14% | -1.56% | -2.77% | 10.25% | 12.14% | 22.18% | 6.56% | 10.99% | 13.14% | 12.18% | 10.97% | 20.72% |
| 2024 | 2.75% | 4.08% | 25.68% | 3.08% | 4.17% | 2.77% | 14.08% | 8.32% | 0.04% | -4.40% | -3.58% | -1.16% |
| 2023 | -2.08% | 0.87% | 19.78% | -1.09% | -3.39% | -9.37% | 7.77% | 21.78% | 22.49% | -5.52% | 0.57% | 3.91% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.60 | -0.66 | -0.70 | -0.71 | -0.73 | -0.34 | 0.09 | 0.75 | 1.90 | 2.07 | 2.49 | 3.31 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 2.41 | 1.99 | 1.74 | - | 1.45 | 1.75 | 1.86 | 1.88 | 1.96 | 1.91 | 1.88 | 1.99 | |||||
| Free Cash Flow Per Share TTM | 3.14 | 2.22 | 2.26 | 1.89 | 1.72 | 1.31 | 1.73 | 1.47 | 0.35 | 1.74 | 1.80 | 2.14 | |||||
| Dividend Per Share TTM | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.38 | 0.36 | 0.34 | 0.32 | 0.32 | 0.32 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -213.77% | -224.08% | -251.51% | -270.82% | -281.12% | -284.89% | -313.01% | -278.96% | -240.51% | -183.98% | -79.47% | -13.23% | |||||
| Operating Profit Margin TTM | 316.96% | 260.82% | 238.67% | 223.18% | 204.42% | 247.89% | 254.67% | 257.02% | 272.02% | 263.50% | 267.58% | 261.95% | |||||
| Net Profit Margin TTM | 255.58% | 211.14% | 194.28% | 177.99% | 163.71% | 198.45% | 216.84% | 218.38% | 230.10% | 223.12% | 215.37% | 211.40% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 6.33% | 6.74% | 4.78% | 3.02% | 4.13% | 2.61% | -2.04% | -8.81% | -2.79% | 8.63% | 21.93% | 67.48% | |||||
| Net Income Growth (1Y) | 65.99% | 13.57% | -6.12% | -16.03% | -25.91% | -8.73% | -1.37% | -5.80% | 1.17% | -2.85% | -3.54% | 10.71% | |||||
| EPS Growth (1Y) | 65.99% | 13.57% | -6.12% | -16.03% | -25.91% | -8.35% | -1.37% | -5.77% | 2.85% | 0.04% | -0.56% | 15.47% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 8.51 | 9.27 | 8.82 | 8.74 | 9.89 | 8.75 | 7.09 | 5.71 | 4.98 | 5.98 | 5.17 | 4.20 | |||||
| P/B | 1.15 | 1.04 | 0.91 | 0.87 | 0.95 | 1.07 | 0.87 | 0.79 | 0.73 | 0.87 | 0.88 | 0.72 | |||||
| P/S TTM | 21.74 | 19.57 | 17.14 | 15.55 | 16.19 | 17.37 | 15.37 | 12.46 | 11.45 | 13.34 | 11.13 | 8.88 | |||||
| Market Cap | 93.18M | 83.64M | 69.83M | 62.51M | 65.25M | 69.52M | 59.78M | 48.62M | 44.32M | 52.04M | 44.17M | 38.01M | |||||
| Enterprise Value | 5.19M | -833.64K | -15.62M | -15.40M | -19.67M | 6.26M | -39.38M | -15.96M | -33.70M | -12.75M | -45.32M | -25.48M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 14.28M | 10.07M | 10.27M | 8.57M | 7.81M | 5.96M | 7.84M | 6.69M | 1.58M | 7.92M | 8.17M | 9.71M | |||||
| Net Debt | -87.99M | -84.48M | -85.45M | -77.91M | -84.92M | -63.26M | -99.16M | -64.58M | -78.03M | -64.80M | -89.49M | -63.49M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Retained Earnings to Equity | |||||||||||||||||
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| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
2026-05-07Purchase
Owner: Jamerson, Phillip C
Title: -
Shares: 1,000
Price/Share: $23.40
Value: $23,400.00
Shares Owned: 18,190
Relationship: Director
Ownership: Direct
2026-05-07Purchase
Owner: Addison, Lewis C
Title: -
Shares: 82
Price/Share: $23.18
Value: $1,900.76
Shares Owned: 19,721
Relationship: Director
Ownership: Direct
2026-05-06Purchase
Owner: Bryant, William C Iii
Title: -
Shares: 1,043
Price/Share: $23.11
Value: $24,103.73
Shares Owned: 77,716
Relationship: Director
Ownership: Direct
2026-02-20Purchase
Owner: Chapman, Robert R
Title: President
Shares: 1,200
Price/Share: $20.89
Value: $25,068.00
Shares Owned: 124,118
Relationship: Director,Officer
Ownership: Direct
2026-02-19Purchase
Owner: Bryant, William C Iii
Title: -
Shares: 600
Price/Share: $20.82
Value: $12,492.00
Shares Owned: 76,673
Relationship: Director
Ownership: Direct
Subscribe to unlock 17+ years of financial data
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Institutional Ownership
No data available for chart
2026-03-31
23.02%
Inst. Shares: 1,045,666
Shares Outstanding: 4,543,338
2025-12-31
22.36%
Inst. Shares: 1,015,925
Shares Outstanding: 4,543,338
2025-09-30
21.94%
Inst. Shares: 996,780
Shares Outstanding: 4,543,338
2025-06-30
19.71%
Inst. Shares: 895,353
Shares Outstanding: 4,543,338
2025-03-31
33.82%
Inst. Shares: 1,536,548
Shares Outstanding: 4,543,338