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%

BANK OF THE JAMES FINANCIAL GROUP INC income statement

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31
Revenue	4.27	4.00	3.90	3.59	2.50	2.03	1.79	1.87	1.76	24	22	20	19	19	19	19
Advertising Expenses	0.87	0.77	919	0.92	0.93	0.67	0.87	0.61	0.74	0.69	0.47	0.47	0.37	0.00	0.00	–
Interest Expense	–	–	9.62	2.15	2.10	4.54	5.26	3.80	2.99	2.34	2.69	2.33	2.44	3.02	4.19	6.39
Gain (Loss) on Investments	–	–	–	0.00	–	0.64	0.39	–	0.11	0.49	0.05	–	–	–	–	–
Gain (Loss) on Sale of Assets	0.03	–	–	0.02	–	–	–	–	–	–	–	–	0.00	–	–	–
Pretax Income	11	9.92	10	11	9.45	6.18	6.93	6.63	5.36	4.81	5.34	4.70	4.10	2.68	0.51	2.43
Income Tax Expense	2.12	1.98	1.58	2.15	1.86	1.20	1.33	1.33	2.44	1.53	1.65	1.29	1.04	0.54	-0.09	0.61
Net Income	9.02	7.94	8.70	8.96	7.59	4.98	5.61	5.30	2.92	3.29	3.69	3.41	3.06	2.13	0.60	1.82
EPS (Basic)(per share)	1.99	1.75	1.91	1.91	1.60	1.04	1.28	1.21	0.67	0.75	1.07	1.01	0.91	0.64	0.18	0.55
EPS (Diluted)(per share)	1.99	1.75	1.91	1.91	1.60	1.04	1.28	1.21	0.67	0.75	1.07	1.01	0.91	0.64	0.18	0.55
Shares Outstanding (Basic, Weighted)(shares)	4.54	4.54	4.56	4.70	4.75	4.78	4.38	4.38	4.38	4.38	3.45	3.37	3.35	3.34	3.32	–
Shares Outstanding (Diluted, Weighted)(shares)	4.54	4.54	4.56	4.70	4.75	4.78	4.38	4.38	4.38	4.38	3.45	3.37	3.35	3.34	3.32	–
Dividend per Share(per share)	0.40	0.40	0.32	0.29	0.28	0.28	0.28	0.24	0.24	0.24	0.22	0.15	–	–	–	–
Total Interest Income	47	45	39	32	29	30	30	27	24	22	20	19	18	19	20	22
Net Interest Income	33	29	30	30	27	25	25	23	21	19	18	16	16	16	15	15
Non-Interest Income	16	15	13	13	11	11	7.19	5.24	4.73	4.80	4.19	3.59	3.48	3.62	3.68	3.52
Provision for Credit Losses	-0.04	-0.66	-0.18	-0.90	-0.50	2.55	0.52	0.72	0.99	1.61	0.28	0.06	0.54	2.29	4.81	2.78
Non-Interest Expense	38	35	33	33	29	27	24	21	19	18	16	15	15	14	14	14

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 257.6%
Return on equity, FY2025: 12.5%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 10.6
Price to sales: 27.22
Price to book: 1.46
Dividend yield: 1.50%