MARKETS / NASDAQ / BOTJ

NASDAQ · STATE COMMERCIAL BANKS · SMALL CAP

Bank of the James Financial Group Inc. BOTJ

16 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$4.3M

▲ 6.7% YoY

Net income

$9.0M

▲ 13.6% YoY

Free cash flow

$10.5M

▲ 76.1% YoY

In brief

What this company does

The Bank engages in general retail and commercial banking activities. Financial conducts three principal activities: (1) general retail and commercial banking through Bank of the James; (2) mortgage brokerage services through Bank of the James Mortgage, a division of the Bank (the “Mortgage Division”); and (3) investment advisory (sometimes referred to as wealth management) services through its wholly-owned subsidiary, Pettyjohn, Wood & White, Inc. (“PWW”). The Bank currently conducts business within Virginia from 19 full-service offices, two limited service offices, and two residential mortgage loan production offices.

Written from the business description in Bank of the James Financial Group, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 27 March 2026. Every sentence was checked against that document before publication.

Growth

USD 4.3M

Revenue, FY2025 · full 16-year series below

Revenue $M Net income $M

FY2025 · Revenue 4.3 · Net income 9.0

Compound annual growth

Revenue

+6.0%

+16.0%

Net income

+0.2%

+12.6%

+9.3%

+11.3%

EPS, diluted

+1.4%

+13.9%

+6.4%

+9.0%

Dividend / share

+11.3%

+7.4%

+6.2%

Returned to shareholders

−13.1%

+4.0%

+8.5%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +16.0% a year over five years — but profit grew slower: net income at +12.6%, earnings per share at +13.9%.

The share count rose from 0.00B to 0.00B over the period.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

211 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 260.8% · Net 211.1%

ROE

FY2025 · ROE 12.5%

Gross margin—

Operating margin260.8%

Net margin211.1%

Return on assets0.9%

EBITDAUSD 12.5M

Each USD of equity produced 12 cents of profit this year.

Cash & shareholders

USD 1.8M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 10.5

Net buybacks $M Dividends $M

FY2025 · Dividends 1.8 · Net buybacks —

Dividends paidUSD 1.8M

Net buybacks—

Share of profit20.1%

Consecutive raises—

USD 1.8M in dividends — 20% of the year's profit went back to shareholders.

Total assetsUSD 1.0B

EquityUSD 80.0M

CashUSD 84.5M

Gross debtUSD 0.00

Net debtUSD -84.5M

DepositsUSD 937.1M

The company holds more cash than debt.

The 16-year record

16 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·	·	·	·	·
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·	·	·	·	·	·	·	·
EBITDA $B	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·	·	·	·	·	·	·	·
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	1.99	1.75	1.91	1.91	1.60	1.04	1.28	1.21	0.67	0.75	1.07	1.01	0.91	0.64	0.18	0.55
Dividend / sh $	0.40	0.40	0.32	0.29	0.28	0.28	0.28	0.24	0.24	0.24	0.22	0.15	·	·	·	·
Payout %	20	23	17	15	17	24	22	20	36	32	22	15	·	·	·	·
ROE %	12.5	12.7	15.8	15.0	11.1	7.8	9.6	9.9	5.8	6.7	8.9	10.6	10.3	7.6	2.3	7.1
Shares out B	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 47 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 10 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inVirginia

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2010