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 · FY2025
$4.3M
▲ 6.7% vs FY2024
EPS · FY25
$1.99
Dividend / sh · FY25
$0.40
Payout · FY25
20%
ROE · FY25
12.5%
Net margin · FY25
211.1%
Dividend coverage
5.0×
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Result
USD 4.3M
Revenue, FY2025 · full 16-year series below
Revenue
Net income
211 cents of every revenue dollar became profit this year.
Per share
USD 1.99
Diluted EPS, FY2025
EPS
Dividend
Earnings covered the dividend 5.0 times — the rest stayed in the company.
Profitability
12.5%
Return on equity, FY2025
ROE
Operating margin260.8%
Net margin211.1%
Return on assets0.9%
Each USD of equity produced 12 cents of profit this year.
Returned to shareholders
USD 1.8M
returned in FY2025 · dividends + 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.
Growth
+16.0% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
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%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.00B
Shares outstanding, FY2025
Change, 5 years+4.7%
Change, 10 years+3.8%
The share count grew 5% in five years — the same company, cut into more, smaller slices.
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Balance sheet
USD 1.0B
total assets, end of FY2025
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.
History
16 fiscal years
Every figure from documents filed with the SEC · USD
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
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 figures not disclosed in the filing for that year.
How we verifyAUDITED
31 of 31
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed