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BANK OF THE JAMES FINANCIAL GROUP INC

BOTJ

Companies in State Commercial Banks

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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
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Subscriber-only column
Assets
Cash And Due From Banks
252928232623232325262022
Federal Funds Sold
635657556950875263497951
Cash Cash Equivalents And Federal Funds Sold
88848578957310975887510074
Held To Maturity Securities
444444444444
Debt Securities Available For Sale And Held To Mat…
-----------187
Available For Sale Securities Debt Securities
245214203197193188192206215217182-
Restricted Investments
222222222221
Notes Receivable Net
-----------610
Financing Receivable Excluding Accrued Interest Af…
649661653649642637627637601602600-
Loans Held For Sale Fair Value Disclosure
334454355136
Property Plant And Equipment Net
191919191919191818181818
Interest Receivable
333333333333
Bank Owned Life Insurance
242423232323232322222121
Real Estate Acquired Through Foreclosure
-----------1
Finite Lived Intangible Assets Net
666677777777
Other Real Estate
---------00-
Goodwill
222222222222
Deferred Income Tax Assets Net
---8--------
Other Assets
17161691718171918181918
Assets
1,0611,0391,0201,0041,0129791,008978985969961951
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities
145131133138139130132136144134155151
Deposits Negotiable Order Of Withdrawal N O W
577570548544560522541521530538525526
Time Deposits
235235239229213231234228219206201190
Deposits
957937920911912882907882893878880867
Notes Payable
----1010101010101010
Other Borrowings
99999991010101010
Taxes Payable Current And Noncurrent
---0--------
Interest Payable Current And Noncurrent
111111111000
Other Liabilities
131213121212111111101011
Liabilities
980959943933943914939916924909911898
Stockholders Equity
Common Stock Value
101010101010101010101010
Additional Paid In Capital Common Stock
353535353535353535353535
Retained Earnings Accumulated Deficit
525048454343424038373533
Accumulated Other Comprehensive Income Loss Net Of…
-16-15-16-19-20-23-18-23-23-22-30-25
Stockholders Equity
818077726865696260605053
Liabilities And Stockholders Equity
1,0611,0391,0201,0041,0129791,008978985969961951
Held To Maturity Securities Fair Value
333-33333333
Financing Receivable Allowance For Credit Loss Exc…
666677777778
Common Stock Par Or Stated Value Per Share
2.142.142.142.142.142.142.142.142.142.142.142.14
Debt Securities Held To Maturity Allowance For Cre…
000-00000000
Financing Receivable Allowance For Credit Losses
-----------8
Preferred Stock Shares Authorized
----11111111
Preferred Stock Shares Issued
----00000000
Preferred Stock Shares Outstanding
----00000000
Common Stock Shares Authorized
101010101010101010101010
Common Stock Shares Issued
555555555555
Shares Outstanding
555555555555

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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%----------
20251.14%-1.56%-2.77%10.25%12.14%22.18%6.56%10.99%13.14%12.18%10.97%20.72%
20242.75%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
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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 TTM
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
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
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

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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

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) — SEC Financial Statements & Analysis

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is a state commercial banks company, incorporated in VA. BANK OF THE JAMES FINANCIAL GROUP INC trades on BOTJ: Nasdaq as: BOTJ. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), BANK OF THE JAMES FINANCIAL GROUP INC reported a 6.33% year-over-year revenue growth, a Gross Profit Margin of -213.77% (TTM), a Price-to-Sales (P/S) ratio of 21.74x (TTM), a Price-to-Book (P/B) ratio of 1.15 (TTM), at a market cap of $93.18M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
6.33%
Gross Profit Margin TTM
-213.77%
P/S TTM
21.74x
P/B TTM
1.15
Market Cap
$93.18M

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is BANK OF THE JAMES FINANCIAL GROUP INC in?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) operates in the State Commercial Banks industry.

What is BOTJ's market cap?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a market capitalization of $93.18M as of 2026-03-31.

What is BOTJ's P/E ratio?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s trailing twelve month P/E ratio is 8.51x as of 2026-03-31.

What exchange does BOTJ trade on?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) trades on the BOTJ: Nasdaq.

Where is BANK OF THE JAMES FINANCIAL GROUP INC incorporated?

BANK OF THE JAMES FINANCIAL GROUP INC is incorporated in VA.

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BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) financial data sourced directly from SEC EDGAR filings — including the latest 10-K annual report, 10-Q quarterly filings, insider transactions (SEC Form 4), institutional ownership (SEC Form 13F), Earning Marker Reaction Heat Map and 50+ calculated financial metrics like Price to Earnings Ratio (P/E), Return on Equity (ROE), Debt to Equity (D/E), Free Cash Flow Per Share (FCF/S), and Return on Invested Capital (ROIC). Unlike platforms that rely on third-party data aggregators, GeminIQ parses raw SEC filings directly — delivering institutional-grade accuracy at a fraction of the cost of Bloomberg Terminal or S&P Capital IQ.