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  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. BANK OF JAMES FINANCIAL GROUP INC
Bank of James Financial Group Inc
XNAS: BOTJ
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Bank of James Fin Grp Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Bank of James Fin Grp Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Bank of James Fin Grp Inc Jun-2026 Quarterly Revenue is $13 Million which is growth of 11.7% YoY.

  • POSITIVE

    Quarterly Net Profit Bank of James Fin Grp Inc Jun-2026 Quarterly Net Profit is $3 Million which is growth of 19.8% YoY.

Bank of James Financial Group Inc, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
13.512.512.612.312.110.811.311.111.110.110.410.410.6
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------54.7
Operating Profit
-----------
⌄
-------------
Profit Before Tax
4.13.53.53.23.412.12.52.72.72.12.63.2
Tax
0.80.70.80.50.70.20.50.50.50.5-0.10.50.6
⌄
3.22.82.72.82.70.81.622.22.22.12.12.5
Diluted NI Avail to Com Stockholders Ann.
3.22.82.72.82.70.81.622.22.22.12.12.5
Basic EPS
0.70.60.60.60.60.20.40.40.50.50.50.50.6
Diluted EPS After ExtraOrdinary
0.70.60.60.60.60.20.40.40.50.50.50.50.6
Number Of Shares End
4.54.54.54.54.54.54.54.54.54.54.54.54.6
Net Income Continuing Discontinued Operations
3.22.82.72.82.70.81.622.22.22.12.12.5
Normalized Income
3.22.82.72.82.70.81.622.22.22.12.12.5
Interest Income
12.311.81211.811.611.211.611.610.910.510.510.19.6
Interest
33.13.53.53.43.544.13.83.63.22.82.2
Net Interest Income
9.28.78.58.38.27.77.77.57.16.97.47.47.3
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
0.50.50.50.50.50.50.60.40.50.50.50.40.5
Profit From Continuing Operations
3.22.82.72.82.70.81.622.22.22.12.12.5
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Bank of James Fin Grp Inc competitor comparison and performance snapshot within industry

Bank of James Fin Grp Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Bank of James Fin Grp Inc Dec-2025 Annual Revenue is $48 Million which is growth of 9.6% YoY.

  • POSITIVE

    Annual Net Profit Bank of James Fin Grp Inc Dec-2025 Annual Net Profit is $9 Million which is growth of 13.6% YoY.

Bank of James Financial Group Inc, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
4.4%
6.4%
 47.843.641.84237.23531.127.924.923.621.5
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ----2.2-2.1-4.5-5.3-3.8-3-2.3-2.7
Operating Profit Ann.
-
-
 ---44.239.339.636.431.727.925.924.2
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
0%
12.4%
14.311.19.910.311.19.56.26.96.65.44.85.3
Tax Ann.
-1.5%
11.8%
2.82.121.62.21.91.21.31.32.41.51.7
⌄
0%
12.5%
11.597.98.797.655.65.32.93.33.7
Diluted NI Avail to Com Stockholders Ann.
0%
12.5%
11.597.98.797.655.65.32.93.33.7
EPS Ann.
1.7%
12.7%
 21.81.91.91.61.11.21.10.60.71
Diluted EPS Ann.
1.7%
12.7%
 21.81.91.91.61.11.21.10.60.71
Number Of Shares End
-0.7%
-1.3%
 4.54.54.54.64.74.84.84.84.84.84.1
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
0%
12.5%
11.597.98.797.655.65.32.93.33.7
Normalized Income Ann.
-0.4%
10.8%
11.597.98.79.17.75.45.95.32.93.33.7
Interest Income Ann.
13.6%
9.5%
47.846.644.639.331.829.129.629.726.923.621.520.2
Interest Ann.
84.9%
25.3%
13.113.915.49.62.22.14.55.33.832.32.7
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-9.9%
-1%
1.91.91.922.62.121.70.90.80.80.8
Profit From Continuing Operations Ann.
0%
12.5%
11.597.98.797.655.65.32.93.33.7
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
9.6%
2Y CAGR
6.9%
3Y CAGR
4.4%
5Y CAGR
6.4%
7Y CAGR
8%
10Y CAGR
8.3%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
13.9%
2Y CAGR
1.7%
5Y CAGR
12.5%
7Y CAGR
7.9%
10Y CAGR
9.3%
Net Profit Annual growth is higher than historical averages.

Bank of James Fin Grp Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Bank of James Fin Grp Inc Dec-2025 Total Shareholders Fund is $80 Million which is growth of 23.4% YoY.

  • POSITIVE

    Total Assets Bank of James Fin Grp Inc Dec-2025 Total Assets is $1,039 Million which is growth of 6.1% YoY.

Bank of James Financial Group Inc, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3.8%
4.1%
1,039979.2969.4928.6987.6851.4725.4674.9626.3574.2527.1
⌄
3%
4.1%
959914.4909.3878.4918.2784.7664619.8574.7524.8479
⌄
16.9%
3.7%
80.164.96050.269.466.761.455.151.749.448.2
Total Capitalization Ann.
7.9%
2.9%
88.884.28070.790.476.866.460.156.7-58.2
Tangible Assets Ann.
21.2%
1.5%
71.856.150.740.35866.761.455.151.749.448.2
Working Capital Ann.
-
-
---
Invested Capital Ann.
7.9%
2.9%
88.884.28070.790.476.866.460.156.7-58.2
Tangible Book Value Ann.
21.2%
1.5%
71.856.150.740.35866.761.555.151.749.448.2
Borrowings Ann.
-24.6%
-2.5%
8.819.419.920.52110555-10
Net Debt Ann.
-
-
-----------
Share Issued Ann.
-0.7%
-1.3%
4.54.54.54.64.74.84.84.84.84.84.8
Number Of Shares End
-0.7%
-1.3%
4.54.54.54.64.74.84.84.84.84.84.1
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
6.1%
2Y CAGR
3.5%
3Y CAGR
3.8%
5Y CAGR
4.1%
7Y CAGR
6.4%
10Y CAGR
7%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
23.4%
2Y CAGR
15.5%
3Y CAGR
16.9%
5Y CAGR
3.7%
7Y CAGR
5.5%
10Y CAGR
5.2%
Total ShareHolders Funds Annual growth is higher than historical averages.

Bank of James Fin Grp Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Bank of James Fin Grp Inc Book Value Per Share is $18 which is growth of 23.4% YoY.

  • NEUTRAL

    ROE Bank of James Fin Grp Inc ROE is 0% which is growth of 0% YoY.

Bank of James Financial Group Inc, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.82%0.92%0.94%0.83%0.63%0.80%0.81%0.49%0.60%0.75%
ROE Ann. %
-
-
-12.72%15.79%14.97%11.15%7.77%9.62%9.93%5.78%6.73%8.90%
ROIC %
-
-
-----------
OPM Ann. %
-
-
---105.12%105.65%112.97%116.93%113.61%112.00%109.93%112.51%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.30.30.40.30.20.10.10.1-0.2
*All financials are in USD Million and price data in USD
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Bank of James Fin Grp Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Bank of James Fin Grp Inc Dec-2025 Cash From Operating Activity is $12 Million which is growth of 37.0% YoY.

  • POSITIVE

    Net Cash Flow Bank of James Fin Grp Inc Dec-2025 Net Cash Flow is $11 Million which is growth of 830.3% YoY.

Bank of James Financial Group Inc, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
8%
17.6%
11.78.59.59.315.85.25.68.66.72.83.4
⌄
-
-
-42.4-11.2-23.3-88.1-64.5-62.1-52.5-38.8-46.7-47.2-50.3
⌄
-
-18.8%
41.91.126.9-42.6131118.635.743.548.344.562.9
Cash Plus Cash Eqv. End Of Year Ann.
11%
-3.5%
84.573.374.861.8183.2100.939.150.33728.728.7
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-28.9%
11.2-1.513.1-121.482.361.8-11.213.38.3015.9
Cash Plus Cash Eqv. Begin Of Year Ann.
-26.3%
13.4%
73.374.861.8183.2100.939.150.33728.728.712.7
Income Tax Paid Supplemental Data Ann.
1.5%
7.5%
2.31.91.92.22.61.60.11.31.82.11.9
Interest Paid Supplemental Data Ann.
85.5%
23.8%
13.415.29.22.12.14.65.23.832.32.7
Capex Ann.
-
-
-1.2-2.6-1.6-1.2-2.9-1.8-4.4-2.3-1.9-1.7-1.5
Issuance Of Capital Stock Ann.
-
-
----10---10.7
Issuance Of Debt Ann.
-
-
---11--5--
Repayment Of Debt Ann.
-
-
-11-1-0.9-0.9-0.4-5.4-0.2--10-
Repurchase Of Capital Stock Ann.
-
-
--1-1.4-0.4-0.3-0.3----
Free Cash Flow Ann.
9%
24.6%
10.567.98.112.93.51.26.34.81.11.8
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
37.6%
2Y CAGR
11%
3Y CAGR
8%
5Y CAGR
17.6%
7Y CAGR
4.5%
10Y CAGR
13.2%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Financing Act. Ann.
1Y CHG
3709.1%
2Y CAGR
24.8%
5Y CAGR
-18.8%
7Y CAGR
-0.5%
10Y CAGR
-4%
Cash from Financing Annual Activity growth is higher than historical averages.
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