BOTJNasdaqState Commercial BanksFiscal year ends December 31
BANK OF THE JAMES FINANCIAL GROUP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 12, 2026
$26.72−0.12 (-0.45%)
Close on Oct 19, 2026
- Market cap
- $121.40M
- P/E (TTM)
- 10.6
- Dividend yield
- 1.50%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
211.1%−33.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +6.7% | +6.0% | +16.0% | -15.0% | |
| Net income | +13.6% | +0.2% | +12.6% | +9.3% | |
| EPS, diluted | +13.7% | +1.4% | +13.9% | +6.4% | |
| Free cash flow | +76.1% | +8.9% | +24.9% | +19.1% | |
| Dividend per share | 0.0% | +11.3% | +7.4% | +6.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 6.7% | 7.8% | 12.5% | |
| Return on assets | 0.6% | 0.6% | 0.9% | |
| Capex to revenue | 7.1% | 86.1% | 27.3% | |
| Diluted shares | 4M | 5M | 5M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Bank Of The James Financial generated $55.32M from operations and spent $19.95M on capital expenditure, dividends and share buybacks. 47% of that went back into the business.
Generated
$55.32M
Used
$19.95M
Capital expenditure$9.39M47%Dividends$7.73M39%Share buybacks$2.83M14%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin211.1%
×Asset turnover0.00×
×Equity multiplier13.93×
=Return on equity, FY202512.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 211.1% | 0.00× | 13.93× | 12.5% |
| FY2024 | 198.5% | 0.00× | 15.60× | 12.7% |
| FY2023 | 223.1% | 0.00× | 17.21× | 15.8% |
| FY2022 | 249.5% | 0.00× | 16.01× | 15.0% |
| FY2021 | 304.0% | 0.00× | 13.51× | 11.1% |
| FY2020 | 245.0% | 0.00× | 12.30× | 7.8% |
| FY2019 | 314.0% | 0.00× | 12.01× | 9.6% |
| FY2018 | 283.4% | 0.00× | 12.18× | 9.9% |
| FY2017 | 166.1% | 0.00× | 11.88× | 5.8% |
| FY2016 | 13.7% | 0.04× | 11.28× | 6.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$9.02M
- Cash generatingOperating cash flow above zero$11.66M
- Return on assets improvedROA up on the prior year0.8% → 0.9%
- Earnings backed by cashOperating cash flow above net income$11.66M vs $9.02M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise5M → 5M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00