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 balance sheet

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	FY 2009 2009-12-31
Cash & Equivalents	84	73	75	62	183	101	39	50	37	29	29	13	17	41	23	19	31
Cash & Short-Term Investments	84	73	75	62	183	101	39	50	37	29	29	13	17	41	23	19	31
Property, Plant & Equipment	19	19	18	18	18	17	17	13	12	11	10	9.26	8.68	8.34	8.74	8.88	–
Gross Property, Plant & Equipment	37	36	34	32	31	28	30	26	23	21	20	18	17	15	14	–	–
Accumulated Depreciation	-18	-17	-15	-14	-13	-11	-13	-12	-11	-10	-9.69	-8.93	-8.20	-6.17	-5.58	–	–
Land	–	–	3.88	3.88	3.30	3.30	3.30	3.30	3.30	3.30	3.01	3.01	3.01	2.24	2.24	–	–
Buildings & Improvements	–	–	14	14	12	9.96	9.98	6.99	6.92	5.86	6.14	5.26	5.36	5.16	5.09	–	–
Construction in Progress	–	–	1.14	0.05	1.93	2.10	1.08	2.52	0.81	2.10	0.88	0.88	0.06	0.54	0.59	–	–
Operating Lease Right-of-Use Assets	1.09	1.23	1.13	1.20	1.28	1.36	1.51	–	–	–	–	–	–	–	–	–	–
Goodwill	2.05	2.05	2.05	2.05	3.00	–	–	–	–	–	–	–	–	–	–	–	–
Intangible Assets	6.16	6.73	7.29	7.85	8.41	–	–	–	–	–	–	–	–	–	–	–	–
Deferred Tax Assets	–	8.94	–	–	–	–	1.18	1.76	–	–	–	–	–	–	–	–	–
Total Assets	1,039	979	969	929	988	851	725	675	626	574	527	461	435	441	427	419	–
Operating Lease Liabilities	1.18	1.31	1.19	1.26	1.33	1.39	1.52	–	–	–	–	–	–	–	–	–	–
Total Liabilities	959	914	909	878	918	785	664	620	575	525	479	426	405	412	401	393	–
Common Stock	9.72	9.72	9.72	9.91	10	9.29	9.33	9.37	9.37	9.37	9.37	7.22	7.20	7.18	7.15	7.11	–
Additional Paid-In Capital	35	35	35	36	37	31	31	31	31	31	31	23	23	23	23	23	–
Retained Earnings	50	43	37	31	23	25	21	17	12	10	7.92	5.03	2.12	-0.94	-3.07	-3.67	–
Comprehensive Income & Other	-15	-23	-22	-27	-1.39	1.79	-0.01	-2.24	-1.47	-1.60	-0.59	-0.39	-2.42	0.57	-0.05	-0.69	–
Shareholders' Equity	80	65	60	50	69	67	61	55	52	49	48	35	30	30	27	25	24
Total Equity	80	65	60	50	69	67	61	55	52	49	48	35	30	30	27	25	24
Total Liabilities & Equity	1,039	979	969	929	988	851	725	675	626	574	527	461	435	441	427	419	–
Shares Outstanding(shares)	4.54	4.54	4.54	4.63	4.74	4.34	4.36	4.38	4.38	4.38	4.38	3.37	3.36	3.35	3.34	3.32	–
Loans, Net	661	637	602	605	576	602	573	530	491	464	430	395	340	320	319	321	–
Allowance for Credit Losses	6.45	7.04	7.41	6.26	6.92	7.16	4.83	4.58	4.75	5.72	4.68	4.79	5.19	5.54	5.61	5.47	–
Deposits	937	882	878	848	887	765	649	612	567	523	468	399	387	399	374	368	–

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%