FY2025 · ended Dec 31, 2025 · Revenue $4.27M, +6.7% YoY · Filed Mar 27, 2026
Bank Of The James Financial Group, Inc. (BOTJ) files with the SEC under industry code 6022, State Commercial Banks. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $4.3 million and net income of $9.0 million. Free cash flow was $10.5 million.
Revenue (TTM)
$4.46M
+10.9% vs year-ago TTM
Net income (TTM)
$11.49M
+60.6% vs year-ago TTM
Operating cash flow (TTM)
$12.62M
+11.9% vs year-ago TTM
Free cash flow (TTM)
$11.52M
+34.4% vs year-ago TTM
EPS (TTM)
$2.53
+60.6% vs year-ago TTM
Dividend per share
$0.40
+0.0% vs prior year
Shares outstanding
4.54M
+0.0% vs prior year
Net cash
$295.25M
FY 2025
Operating margin
—
Company profile
- Industry
- State Commercial Banks (SIC 6022)
- Listed as
- BOTJ (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- VA
- Headquarters
- Lynchburg, VA
- SEC filer status
- Non-accelerated filer, Smaller reporting company
- SEC CIK
- 1275101
Other State Commercial Banks companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $4.3M | $4.0M | $3.9M | $3.6M | $2.5M |
| Net income | $9.0M | $7.9M | $8.7M | $9.0M | $7.6M |
| Diluted EPS | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 |
| Operating cash flow | $11.7M | $8.5M | $9.5M | $9.3M | $16.3M |
| Free cash flow | $10.5M | $6.0M | $7.9M | $8.1M | $13.4M |
| Total assets | $1.0B | $979.2M | $969.4M | $928.6M | $987.6M |
| Total liabilities | $959.0M | $914.4M | $909.3M | $878.3M | $918.2M |
| Stockholders' equity | $80.0M | $64.9M | $60.0M | $50.2M | $69.4M |
| Cash and investments | $298.6M | $261.2M | $291.3M | $61.8M | $183.2M |
| Total debt | $3.3M | $3.9M | $4.2M | $4.6M | $5.1M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Results of operations, Other events
|
Oct 30, 2026 | Oct 27, 2026 |
| 10-Q | Quarterly report | Aug 12, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations, Other events
|
Jul 30, 2026 | Jul 28, 2026 |
| 8-K |
Current report
Shareholder vote results
|
May 20, 2026 | May 19, 2026 |
| 10-Q | Quarterly report | May 12, 2026 | Mar 31, 2026 |
| 8-K |
Current report
Results of operations, Other events
|
Apr 30, 2026 | Apr 28, 2026 |
All 765 Bank Of The James Financial Group, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.