BOTJ
Bank of the James Financial Group
NASDAQ: BOTJ · FINANCIAL SERVICES · BANKS - REGIONAL
$22.93
-0.13% today
Updated 2026-05-01
Market cap
$104.31M
P/E ratio
11.54
P/S ratio
2.14x
EPS (TTM)
$1.99
Dividend yield
1.77%
52W range
$13 – $24
Volume
0.0M
Bank of the James Financial Group (BOTJ) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $16.99M | $20.47M | $19.55M | $23.54M | $25.11M | $22.94M | $22.15M | $21.68M | $22.10M | $24.19M | $25.94M | $27.93M | $31.68M | $36.35M | $39.55M | $39.29M | $44.17M | $51.42M | $58.96M | $62.51M |
| Revenue growth (YoY) | — | +20.4% | -4.5% | +20.4% | +6.7% | -8.6% | -3.5% | -2.1% | +1.9% | +9.5% | +7.2% | +7.7% | +13.4% | +14.8% | +8.8% | -0.7% | +12.4% | +16.4% | +14.7% | +6.0% |
| Cost of revenue | $6.31M | $8.29M | $9.37M | $13.40M | $9.17M | $9.00M | $5.30M | $2.98M | $2.38M | $2.97M | $3.96M | $3.99M | $4.51M | $5.79M | $7.09M | $1.60M | $1.25M | $9.44M | $14.75M | $13.81M |
| Gross profit | $10.68M | $12.18M | $10.18M | $10.14M | $15.94M | $13.94M | $16.84M | $18.70M | $19.72M | $21.22M | $21.98M | $23.94M | $27.17M | $30.56M | $32.46M | $37.69M | $42.92M | $41.98M | $44.21M | $48.69M |
| Gross margin | 62.8% | 59.5% | 52.1% | 43.1% | 63.5% | 60.8% | 76.0% | 86.3% | 89.2% | 87.7% | 84.7% | 85.7% | 85.8% | 84.1% | 82.1% | 95.9% | 97.2% | 81.6% | 75.0% | 77.9% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $4.13M | $4.76M | $5.91M | $6.99M | $8.28M | $6.69M | $7.49M | $8.10M | $8.59M | $9.48M | $10.07M | $10.91M | $12.22M | $13.91M | $16.25M | $17.40M | $18.70M | $19.26M | $20.28M | $21.48M |
| Operating income | $2.75M | $3.16M | $-638000.00 | $-1.34M | $2.43M | $507000.00 | $2.67M | $4.10M | $4.70M | $5.34M | $4.81M | $5.36M | $6.63M | $6.93M | $6.18M | $9.45M | $11.11M | $10.28M | $9.92M | $11.14M |
| Operating margin | 16.2% | 15.4% | -3.3% | -5.7% | 9.7% | 2.2% | 12.1% | 18.9% | 21.3% | 22.1% | 18.6% | 19.2% | 20.9% | 19.1% | 15.6% | 24.1% | 25.2% | 20.0% | 16.8% | 17.8% |
| EBITDA | $3.45M | $3.86M | $119000.00 | $-470000.00 | $3.25M | $1.22M | $3.36M | $4.82M | $5.46M | $6.11M | $5.58M | $6.17M | $7.56M | $8.60M | $8.21M | $11.51M | $13.72M | $12.25M | $11.86M | $12.47M |
| EBITDA margin | 20.3% | 18.9% | 0.6% | -2.0% | 12.9% | 5.3% | 15.2% | 22.2% | 24.7% | 25.3% | 21.5% | 22.1% | 23.9% | 23.7% | 20.8% | 29.3% | 31.1% | 23.8% | 20.1% | 20.0% |
| EBIT | $2.75M | $3.16M | $-638000.00 | $-1.34M | $2.43M | $507000.00 | $2.67M | $4.10M | $4.70M | $5.34M | $4.81M | $5.36M | $6.63M | $6.93M | $6.18M | $9.45M | $11.11M | $10.28M | $9.92M | $11.14M |
| Interest expense | $5.68M | $7.83M | $8.02M | $9.25M | $6.39M | $4.19M | $3.02M | $2.44M | $2.33M | $2.69M | $2.34M | $2.99M | $3.79M | $5.26M | $4.54M | $2.10M | $2.15M | $9.62M | $15.41M | $13.85M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $1.76M | $2.08M | $224000.00 | $-642000.00 | $1.82M | $600000.00 | $2.13M | $3.06M | $3.41M | $3.69M | $3.29M | $2.92M | $5.30M | $5.61M | $4.98M | $7.59M | $8.96M | $8.70M | $7.94M | $9.02M |
| Net income growth (YoY) | — | +18.1% | -89.3% | -386.6% | +383.5% | -67.0% | +255.3% | +43.5% | +11.5% | +8.2% | -11.0% | -11.1% | +81.5% | +5.7% | -11.2% | +52.4% | +18.1% | -2.8% | -8.7% | +13.6% |
| Profit margin | 10.4% | 10.2% | 1.1% | -2.7% | 7.2% | 2.6% | 9.6% | 14.1% | 15.4% | 15.3% | 12.7% | 10.5% | 16.7% | 15.4% | 12.6% | 19.3% | 20.3% | 16.9% | 13.5% | 14.4% |