Bank of the James Financial Group, Inc. (BOTJ) — Financial statements
Income statement, balance sheet, and cash flow for Bank of the James Financial Group, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 63↑6.0% | 59↑14.7% | 51↑16.4% | 44↑12.4% | 39 | |
| Cost of Revenue | 14↓6.4% | 15↑56.2% | 9↑655.4% | 1↓22.0% | 2 | |
| Gross Profit | 49↑10.1% | 44↑5.3% | 42↓2.2% | 43↑13.9% | 38 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 21↑5.9% | 20↑5.3% | 19↑3.0% | 19↑7.5% | 17 | |
| Selling & Marketing Expenses | 0.87↑12.9% | 0.77↓16.4% | 0.92↓0.1% | 0.92↓1.5% | 0.93 | |
| SG&A Expenses | 22↑6.2% | 21↑4.3% | 20↑2.8% | 20↑7.1% | 18 | |
| Other Expenses | 15↑14.8% | 13↑14.9% | 12↓5.5% | 12↑23.1% | 10 | |
| Operating Expenses | 38↑9.5% | 34↑8.2% | 32↓0.4% | 32↑12.7% | 28 | |
| Total Costs & Expenses | 51↑4.7% | 49↑19.2% | 41↑24.4% | 33↑10.8% | 30 | |
| Operating Results | ||||||
| Operating Income | 11↑12.3% | 10↓3.5% | 10↓7.5% | 11↑17.6% | 9 | |
| Depreciation & Amortization | 1↓31.5% | 2↓1.5% | 2↓24.6% | 3↑26.7% | 2 | |
| EBITDA | 12↑5.2% | 12↓3.1% | 12↓10.7% | 14↑19.2% | 12 | |
| EBIT | 11↑12.3% | 10↓3.5% | 10↓7.5% | 11↑17.6% | 9 | |
| Interest & Other Income | ||||||
| Net Interest Income | 33↑12.6% | 29↓1.7% | 30↑0.1% | 30↑9.7% | 27 | |
| Interest Income | 47↑4.7% | 45↑13.4% | 39↑23.6% | 32↑9.2% | 29 | |
| Interest Expense | 14↓10.1% | 15↑60.1% | 10↑347.5% | 2↑2.3% | 2 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 11↑12.3% | 10↓3.5% | 10↓7.5% | 11↑17.6% | 9 | |
| Income Tax Expense | 2↑7.3% | 2↑25.7% | 2↓26.8% | 2↑15.5% | 2 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 9↑13.6% | 8↓8.7% | 9↓2.8% | 9↑18.1% | 8 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 9↑13.6% | 8↓8.7% | 9↓2.8% | 9↑18.1% | 8 | |
| Bottom-Line Net Income | 9↑13.6% | 8↓8.7% | 9↓2.8% | 9↑18.1% | 8 | |
| EPS (Basic) | 1.99↑13.7% | 1.75↓8.4% | 1.91↑0.0% | 1.91↑19.4% | 1.60 | |
| EPS (Diluted) | 1.99↑13.7% | 1.75↓8.4% | 1.91↑0.0% | 1.91↑19.4% | 1.60 | |
| Weighted Average Shares | 5↑0.0% | 5↓0.4% | 5↓2.9% | 5↓1.1% | 5 | |
| Weighted Average Diluted Shares | 5↑0.0% | 5↓0.4% | 5↓2.9% | 5↓1.1% | 5 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.