Bank of the James Financial Group (BOTJ) financial statements
Bank of the James Financial Group reported revenue of $4M in fiscal 2025, down 17.5% a year over 9 years.
Net income was $9M.
Free cash flow was $10M, and the company returned $2M in dividends.
The diluted share count rose 4% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Bank of the James Financial Group's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $24M | $2M | $2M | $2M | $2M | $2M | $4M | $4M | $4M | $4M |
| Interest expense | $2M | $3M | $4M | $5M | $5M | $2M | $2M | $10M | — | — |
| Pre-tax income | $5M | $5M | $7M | $7M | $6M | $9M | $11M | $10M | $10M | $11M |
| Income tax | $2M | $2M | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M |
| Net income | $3M | $3M | $5M | $6M | $5M | $8M | $9M | $9M | $8M | $9M |
| EPS (diluted) | $0.75 | $0.67 | $1.21 | $1.28 | $1.04 | $1.60 | $1.91 | $1.91 | $1.75 | $1.99 |
| Diluted shares | 4M | 4M | 4M | 4M | 5M | 5M | 5M | 5M | 5M | 5M |
| Net margin | 13.7% | 166.1% | 283.4% | 314.0% | 245.0% | 304.0% | 249.5% | 223.1% | 198.5% | 211.1% |
Balance sheet
Fiscal years, from Bank of the James Financial Group's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $29M | $37M | $50M | $39M | $101M | $183M | $62M | $75M | $73M | $84M |
| Property, plant and equipment | $11M | $12M | $13M | $17M | $17M | $18M | $18M | $18M | $19M | $19M |
| Goodwill | — | — | — | — | — | $3M | $2M | $2M | $2M | $2M |
| Total assets | $574M | $626M | $675M | $725M | $851M | $988M | $929M | $969M | $979M | $1.0B |
| Total liabilities | $525M | $575M | $620M | $664M | $785M | $918M | $878M | $909M | $914M | $959M |
| Shareholders' equity | $49M | $52M | $55M | $61M | $67M | $69M | $50M | $60M | $65M | $80M |
| Net debt | -$29M | -$37M | -$50M | -$39M | -$101M | -$183M | -$62M | -$75M | -$73M | -$84M |
Cash flow
Fiscal years, from Bank of the James Financial Group's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $3M | $7M | $9M | $6M | $5M | $16M | $9M | $9M | $9M | $12M |
| Capital spending | $2M | $2M | $2M | $4M | $2M | $3M | $1M | $2M | $3M | $1M |
| Free cash flow | $1M | $5M | $6M | $1M | $3M | $13M | $8M | $8M | $6M | $10M |
| Stock-based compensation | — | — | — | $106,000 | $106,000 | $106,000 | — | — | — | — |
| Dividends paid | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $2M | $2M |
| Share buybacks (net) | — | — | — | -$315,000 | -$275,000 | -$427,000 | -$1M | -$997,000 | — | — |
| Net borrowing | -$10M | — | — | — | -$5M | — | — | — | — | — |
| Free cash flow margin | 4.5% | 272.8% | 335.2% | 66.9% | 169.6% | 538.5% | 226.1% | 203.0% | 148.9% | 245.6% |
| Dividends per share | $0.24 | $0.24 | $0.24 | $0.28 | $0.25 | $0.27 | $0.29 | $0.32 | $0.40 | $0.40 |
Questions
What was Bank of the James Financial Group's revenue in 2025?
$4M in fiscal 2025, from its 10-K filing.
How much free cash flow does Bank of the James Financial Group generate?
$10M in fiscal 2025 (operating cash flow minus capital spending).
From Bank of the James Financial Group's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.