BOTJ

BANK OF THE JAMES FINANCIAL GROUP INC

—

Insider Sentiment

Last purchase: 2026-08-10
Last sale: —
Shares purchased (TTM): 9,642.35
Shares sold (TTM): 0

Buy ratio (TTM)100.0%

Institutional Sentiment

As of: 2026-06-30
Institutional shares owned: 1,205,066
Shares outstanding: 4,543,338
Ownership: 26.52%

+6.82% Y/Y

Earnings Market Reaction

Filing date: 2026-08-12
Price on filing date: —
1-month reaction: 0.70%
3-month reaction: …

Drift continued5/11 (45%)

Faded / reversed6/11 (55%)

Export data

Recent filings

10-Q2026-06-30Filed 2026-08-12
10-Q2026-03-31Filed 2026-05-12
10-K2025-12-31Filed 2026-03-27
10-Q2025-09-30Filed 2025-11-14
10-Q2025-06-30Filed 2025-08-13
10-Q2025-03-31Filed 2025-05-15
10-K2024-12-31Filed 2025-03-26
10-Q2024-09-30Filed 2024-11-12
10-Q2024-06-30Filed 2024-08-12
10-Q2024-03-31Filed 2024-05-17
10-K2023-12-31Filed 2024-03-27
10-Q2023-09-30Filed 2023-11-13

Financial statements beyond 3 years are for subscribers only.

Unlock 17+ years of income statements, balance sheets, and cash flow statements

Start 7-day free trial

Balance Sheet

Values in millions ($)

Line item	2026-06-30	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
Assets
Cash And Due From Banks	25	25	29	28	23	26	23	23	23	25	26	20
Federal Funds Sold	11	63	56	57	55	69	50	87	52	63	49	79
Cash Cash Equivalents And Federal Funds Sold	36	88	84	85	78	95	73	109	75	88	75	100
Held To Maturity Securities	4	4	4	4	4	4	4	4	4	4	4	4
Available For Sale Securities Debt Securities	237	245	214	203	197	193	188	192	206	215	217	182
Restricted Investments	2	2	2	2	2	2	2	2	2	2	2	2
Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss	686	649	661	653	649	642	637	627	637	601	602	600
Loans Held For Sale Fair Value Disclosure	6	3	3	4	4	5	4	3	5	5	1	3
Property Plant And Equipment Net	19	19	19	19	19	19	19	19	18	18	18	18
Interest Receivable	3	3	3	3	3	3	3	3	3	3	3	3
Bank Owned Life Insurance	24	24	24	23	23	23	23	23	23	22	22	21
Finite Lived Intangible Assets Net	6	6	6	6	6	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	17	16	16	9	17	18	17	19	18	18	19
Assets	1,041	1,061	1,039	1,020	1,004	1,012	979	1,008	978	985	969	961
Deposits
Noninterest Bearing Deposit Liabilities	136	145	131	133	138	139	130	132	136	144	134	155
Deposits Negotiable Order Of Withdrawal N O W	563	577	570	548	544	560	522	541	521	530	538	525
Time Deposits	235	235	235	239	229	213	231	234	228	219	206	201
Deposits	935	957	937	920	911	912	882	907	882	893	878	880
Notes Payable	-	-	-	-	-	10	10	10	10	10	10	10
Other Borrowings	9	9	9	9	9	9	9	9	10	10	10	10
Taxes Payable Current And Noncurrent	-	-	-	-	0	-	-	-	-	-	-	-
Interest Payable Current And Noncurrent	1	1	1	1	1	1	1	1	1	1	0	0
Other Liabilities	13	13	12	13	12	12	12	11	11	11	10	10
Liabilities	958	980	959	943	933	943	914	939	916	924	909	911
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	55	52	50	48	45	43	43	42	40	38	37	35
Accumulated Other Comprehensive Income Loss Net Of Tax	-17	-16	-15	-16	-19	-20	-23	-18	-23	-23	-22	-30
Stockholders Equity	83	81	80	77	72	68	65	69	62	60	60	50
Liabilities And Stockholders Equity	1,041	1,061	1,039	1,020	1,004	1,012	979	1,008	978	985	969	961
Held To Maturity Securities Fair Value	3	3	3	3	-	3	3	3	3	3	3	3
Debt Securities Held To Maturity Allowance For Credit Loss	0	0	0	0	-	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	-	-	-	-	-	1	1	1	1	1	1	1
Preferred Stock Shares Issued	-	-	-	-	-	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	-	-	-	-	-	0	0	0	0	0	0	0
Financing Receivable Allowance For Credit Loss Excluding Accrued Interest	7	6	6	6	6	7	7	7	7	7	7	7
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
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

Select a line item above to chart it.

Recent filings

10-Q2026-06-30Filed 2026-08-12
10-Q2026-03-31Filed 2026-05-12
10-K2025-12-31Filed 2026-03-27
10-Q2025-09-30Filed 2025-11-14
10-Q2025-06-30Filed 2025-08-13
10-Q2025-03-31Filed 2025-05-15
10-K2024-12-31Filed 2025-03-26
10-Q2024-09-30Filed 2024-11-12
10-Q2024-06-30Filed 2024-08-12
10-Q2024-03-31Filed 2024-05-17
10-K2023-12-31Filed 2024-03-27
10-Q2023-09-30Filed 2023-11-13

Financial statements beyond 3 years are for subscribers only.

Unlock 17+ years of income statements, balance sheets, and cash flow statements

Start 7-day free trial

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 Nasdaq as: BOTJ. BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-12. Based on that filing, BANK OF THE JAMES FINANCIAL GROUP INC carries a market cap of $115.52M, a P/E ratio of 10.05x, a P/B ratio of 1.39x, a P/S ratio of 25.90x, an enterprise value of $79.97M, and an EV/EBITDA multiple of -4.16x. On profitability, it posts a gross margin of -193.57%, an operating margin of 319.64%, a net margin of 257.62%, a Return on Equity (ROE) of 14.84%, and a Return on Invested Capital (ROIC) of -79.83%. Per share, it reports EPS of $2.53, diluted EPS of $2.53, free cash flow per share of $2.44, and a dividend per share of $0.40. Over the trailing year, it posted revenue growth of 10.95% year-over-year, net income growth of 60.59% year-over-year, and EPS growth of 60.59% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.59x, free cash flow of $11.09M (TTM), and net debt of $-35.55M. Figures sourced from SEC EDGAR.

Market Cap: $115.52M
P/E TTM: 10.05x
EPS TTM: $2.53
P/B TTM: 1.39x
ROE TTM: 14.84%
Free Cash Flow TTM: $11.09M
Net Revenue TTM Growth 1Y: 10.95%

Data as of 2026-06-30 · 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 exchange does BOTJ trade on?

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

Where is BANK OF THE JAMES FINANCIAL GROUP INC incorporated?

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

When was BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s most recent SEC filing?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-12.

What is BOTJ's market cap?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a market capitalization of $115.52M as of 2026-06-30.

What is BOTJ's P/E ratio?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s trailing twelve month P/E ratio is 10.05x as of 2026-06-30.

What is BOTJ's EPS (earnings per share)?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s trailing twelve month EPS is $2.53 as of 2026-06-30.

What is BOTJ's ROE (return on equity)?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s trailing twelve month Return on Equity (ROE) is 14.84% as of 2026-06-30.

What is BOTJ's ROIC (return on invested capital)?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s trailing twelve month Return on Invested Capital (ROIC) is -79.83% as of 2026-06-30.

What is BOTJ's EV/EBITDA?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s trailing twelve month EV/EBITDA is -4.16x as of 2026-06-30.

Wall Street's data.
Main Street's price.

Start 7-day free trial

BOTJ

Company Information

Insider Sentiment

Institutional Sentiment

Earnings Market Reaction

Recent filings

Recent filings

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

Frequently Asked Questions

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.