Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
17.80
+0.07 (0.39%)
At close: Dec 5, 2025, 4:00 PM EST
17.93
+0.13 (0.73%)
After-hours: Dec 5, 2025, 4:10 PM EST
BOTJ Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 36.87 | 34.51 | 31.38 | 26.18 | 26.53 | 28.02 | Upgrade
|
| Interest Income on Investments | 9.41 | 10.14 | 7.98 | 5.68 | 2.65 | 1.67 | Upgrade
|
| Total Interest Income | 46.28 | 44.64 | 39.36 | 31.85 | 29.18 | 29.69 | Upgrade
|
| Interest Paid on Deposits | 13.67 | 14.63 | 8.78 | 1.29 | 1.67 | 4.15 | Upgrade
|
| Interest Paid on Borrowings | 0.66 | 0.78 | 0.84 | 0.86 | 0.43 | 0.39 | Upgrade
|
| Total Interest Expense | 14.32 | 15.41 | 9.62 | 2.15 | 2.1 | 4.54 | Upgrade
|
| Net Interest Income | 31.96 | 29.24 | 29.74 | 29.7 | 27.08 | 25.15 | Upgrade
|
| Net Interest Income Growth (YoY) | 10.42% | -1.70% | 0.13% | 9.69% | 7.69% | 2.42% | Upgrade
|
| Trust Income | 5.18 | 4.84 | 4.2 | 3.93 | - | - | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.01 | 0.06 | - | -0 | - | 0.64 | Upgrade
|
| Other Non-Interest Income | 5.52 | 5.74 | 4.73 | 4.06 | 2.94 | 2.52 | Upgrade
|
| Total Non-Interest Income | 15.34 | 15.14 | 12.87 | 13.24 | 11.21 | 10.98 | Upgrade
|
| Non-Interest Income Growth (YoY) | 5.81% | 17.64% | -2.85% | 18.15% | 2.13% | 52.69% | Upgrade
|
| Revenues Before Loan Losses | 47.3 | 44.37 | 42.61 | 42.95 | 38.29 | 36.12 | Upgrade
|
| Provision for Loan Losses | -0.37 | -0.66 | -0.18 | -0.9 | -0.5 | 2.55 | Upgrade
|
| Revenue | 47.67 | 45.03 | 42.79 | 43.85 | 38.79 | 33.57 | Upgrade
|
| Revenue Growth (YoY) | 8.53% | 5.24% | -2.42% | 13.04% | 15.53% | 7.55% | Upgrade
|
| Salaries and Employee Benefits | 20.69 | 19.29 | 18.31 | 17.68 | 16.27 | 14.62 | Upgrade
|
| Federal Deposit Insurance | 0.51 | 0.44 | 0.42 | 0.5 | 0.55 | 0.34 | Upgrade
|
| Amortization of Goodwill & Intangibles | 0.56 | 0.56 | 0.56 | 0.56 | - | - | Upgrade
|
| Selling, General & Administrative | 13.51 | 12.3 | 10.98 | 10.86 | 9.8 | 8.93 | Upgrade
|
| Other Non-Interest Expense | 2.68 | 2.51 | 2.2 | 2.92 | 2.61 | 2.36 | Upgrade
|
| Total Non-Interest Expense | 37.94 | 35.11 | 32.51 | 32.74 | 29.34 | 26.69 | Upgrade
|
| EBT Excluding Unusual Items | 9.73 | 9.92 | 10.28 | 11.11 | 9.45 | 6.88 | Upgrade
|
| Pretax Income | 9.73 | 9.92 | 10.28 | 11.11 | 9.45 | 6.18 | Upgrade
|
| Income Tax Expense | 1.81 | 1.98 | 1.58 | 2.15 | 1.86 | 1.2 | Upgrade
|
| Net Income | 7.92 | 7.94 | 8.7 | 8.96 | 7.59 | 4.98 | Upgrade
|
| Net Income to Common | 7.92 | 7.94 | 8.7 | 8.96 | 7.59 | 4.98 | Upgrade
|
| Net Income Growth | -6.14% | -8.73% | -2.85% | 18.05% | 52.39% | -11.15% | Upgrade
|
| Basic Shares Outstanding | 5 | 5 | 5 | 5 | 5 | 5 | Upgrade
|
| Diluted Shares Outstanding | 5 | 5 | 5 | 5 | 5 | 5 | Upgrade
|
| Shares Change (YoY) | 0.00% | -0.42% | -2.89% | -1.05% | -0.58% | -0.91% | Upgrade
|
| EPS (Basic) | 1.74 | 1.75 | 1.91 | 1.91 | 1.60 | 1.04 | Upgrade
|
| EPS (Diluted) | 1.74 | 1.75 | 1.91 | 1.91 | 1.60 | 1.04 | Upgrade
|
| EPS Growth | -6.14% | -8.35% | 0.04% | 19.30% | 53.69% | -10.62% | Upgrade
|
| Dividend Per Share | 0.400 | 0.400 | 0.340 | 0.290 | 0.274 | 0.255 | Upgrade
|
| Dividend Growth | - | 17.65% | 17.24% | 5.84% | 7.66% | 11.97% | Upgrade
|
| Effective Tax Rate | 18.60% | 19.94% | 15.32% | 19.36% | 19.70% | 19.40% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.