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Stocks · Financials · State Commercial Banks

BANK OF THE JAMES FINANCIAL GROUP INC

BOTJ Clue Score62
United States Fiscal year ends December CIK 0001275101
$26.94 -0.81% Close, 9 Oct 2026
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Price $26.94 +74.48% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income3.3EPS, diluted0.75Fiscal year 2017Revenue1.8Net income2.9 −11.1%EPS, diluted0.67 −10.7%Fiscal year 2018Revenue1.9 +6.4%Net income5.3 +81.5%EPS, diluted1.21 +80.6%Fiscal year 2019Revenue1.8 −4.6%Net income5.6 +5.7%EPS, diluted1.28 +5.8%Fiscal year 2020Revenue2.0 +13.9%Net income5.0 −11.2%EPS, diluted1.04 −18.8%Fiscal year 2021Revenue2.5 +22.8%Net income7.6 +52.4%EPS, diluted1.60 +53.8%Fiscal year 2022Revenue3.6 +43.9%Net income9.0 +18.1%EPS, diluted1.91 +19.4%Fiscal year 2023Revenue3.9 +8.6%Net income8.7 −2.8%EPS, diluted1.91 +0.0%Fiscal year 2024Revenue4.0 +2.6%Net income7.9 −8.7%EPS, diluted1.75 −8.4%Fiscal year 2025Revenue4.3 +6.7%Net income9.0 +13.6%EPS, diluted1.99 +13.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 1.8 1.9 1.8 2.0 2.5 3.6 3.9 4.0 4.3
Growth +6.4% −4.6% +13.9% +22.8% +43.9% +8.6% +2.6% +6.7%
Net income 3.3 2.9 5.3 5.6 5.0 7.6 9.0 8.7 7.9 9.0
Growth −11.1% +81.5% +5.7% −11.2% +52.4% +18.1% −2.8% −8.7% +13.6%
EPS, diluted 0.75 0.67 1.21 1.28 1.04 1.60 1.91 1.91 1.75 1.99
Growth −10.7% +80.6% +5.8% −18.8% +53.8% +19.4% +0.0% −8.4% +13.7%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Net margin166.1%Free cash flow margin272.8%Fiscal year 2018Net margin283.4%Free cash flow margin335.2%Fiscal year 2019Net margin314.0%Free cash flow margin66.9%Fiscal year 2020Net margin245.0%Free cash flow margin169.6%Fiscal year 2021Net margin304.0%Free cash flow margin538.5%Fiscal year 2022Net margin249.5%Free cash flow margin226.1%Fiscal year 2023Net margin223.1%Free cash flow margin203.0%Fiscal year 2024Net margin198.5%Free cash flow margin148.9%Fiscal year 2025Net margin211.1%Free cash flow margin245.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a 166.1% 283.4% 314.0% 245.0% 304.0% 249.5% 223.1% 198.5% 211.1%
Free cash flow margin n/a 272.8% 335.2% 66.9% 169.6% 538.5% 226.1% 203.0% 148.9% 245.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow2.8Capital expenditure−1.7Free cash flow1.1Dividends paid−1.1Fiscal year 2017Operating cash flow6.7Capital expenditure−1.9Free cash flow4.8 +345.1%Dividends paid−1.1Fiscal year 2018Operating cash flow8.6Capital expenditure−2.3Free cash flow6.3 +30.7%Dividends paid−1.1Fiscal year 2019Operating cash flow5.6Capital expenditure−4.4Free cash flow1.2 −81.0%Buybacks−0.3Dividends paid−1.2Fiscal year 2020Operating cash flow5.2Capital expenditure−1.8Free cash flow3.4 +188.8%Buybacks−0.3Dividends paid−1.2Fiscal year 2021Operating cash flow16.3Capital expenditure−2.9Free cash flow13.4 +289.8%Buybacks−0.4Dividends paid−1.3Fiscal year 2022Operating cash flow9.3Capital expenditure−1.2Free cash flow8.1 −39.6%Buybacks−1.4Dividends paid−1.4Fiscal year 2023Operating cash flow9.5Capital expenditure−1.6Free cash flow7.9 −2.5%Buybacks−1.0Dividends paid−1.5Fiscal year 2024Operating cash flow8.5Capital expenditure−2.6Free cash flow6.0 −24.7%Dividends paid−1.8Fiscal year 2025Operating cash flow11.7Capital expenditure−1.2Free cash flow10.5 +76.1%Dividends paid−1.8
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 2.8 6.7 8.6 5.6 5.2 16.3 9.3 9.5 8.5 11.7
Capital expenditure −1.7 −1.9 −2.3 −4.4 −1.8 −2.9 −1.2 −1.6 −2.6 −1.2
Free cash flow 1.1 4.8 6.3 1.2 3.4 13.4 8.1 7.9 6.0 10.5
Growth +345.1% +30.7% −81.0% +188.8% +289.8% −39.6% −2.5% −24.7% +76.1%
Buybacks n/a n/a n/a −0.3 −0.3 −0.4 −1.4 −1.0 n/a n/a
Dividends paid −1.1 −1.1 −1.1 −1.2 −1.2 −1.3 −1.4 −1.5 −1.8 −1.8

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash28.7Shareholders’ equity49.4Fiscal year 2017Cash37.0Shareholders’ equity51.7Fiscal year 2018Cash50.3Shareholders’ equity55.1Fiscal year 2019Cash39.1Shareholders’ equity61.4Fiscal year 2020Cash100.9Shareholders’ equity66.7Fiscal year 2021Cash183.2Shareholders’ equity69.4Fiscal year 2022Cash61.8Shareholders’ equity50.2Fiscal year 2023Cash74.8Shareholders’ equity60.0Fiscal year 2024Cash73.3Shareholders’ equity64.9Fiscal year 2025Cash84.5Shareholders’ equity80.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 28.7 37.0 50.3 39.1 100.9 183.2 61.8 74.8 73.3 84.5
Shareholders’ equity 49.4 51.7 55.1 61.4 66.7 69.4 50.2 60.0 64.9 80.0

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a 304.7% 354.4% 388.5% 303.9% 378.6% 309.4% 263.5% 247.9% 260.8%
n/a 166.1% 283.4% 314.0% 245.0% 304.0% 249.5% 223.1% 198.5% 211.1%
n/a 272.8% 335.2% 66.9% 169.6% 538.5% 226.1% 203.0% 148.9% 245.6%
Spending
n/a 109.1% 123.0% 246.4% 86.1% 116.5% 33.2% 40.3% 63.7% 27.3%
31.7% 45.5% 20.0% 19.2% 19.4% 19.7% 19.4% 15.3% 19.9% 19.0%
Returns
6.6% 5.7% 9.6% 9.1% 7.5% 10.9% 17.8% 14.5% 12.2% 11.3%
0.6% 0.5% 0.8% 0.8% 0.6% 0.8% 1.0% 0.9% 0.8% 0.9%
Balance and payout
91.4% 91.8% 91.8% 91.5% 92.2% 93.0% 94.6% 93.8% 93.4% 92.3%
32.0% 35.9% 19.8% 21.9% 24.4% 16.7% 15.2% 16.8% 22.9% 20.1%
97.4% 21.9% 16.7% 129.1% 43.2% 12.6% 34.1% 31.0% 30.5% 17.3%