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Bank of the James Financial (BOTJ)

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23.110
+0.500+2.21%

Close Apr 17 15:58 ET

23.110
0.0000.00%

Post 20:01 ET

105.00MMarket Cap11.61P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Bank of the James Financial (BOTJ) Income Statement

Quarterly+Annual

YOY

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(FY)Dec 31, 2025

(Q4)Dec 31, 2025

(Q3)Sep 30, 2025

(Q2)Jun 30, 2025

(Q1)Mar 31, 2025

(FY)Dec 31, 2024

(Q4)Dec 31, 2024

(Q3)Sep 30, 2024

(Q2)Jun 30, 2024

(Q1)Mar 31, 2024

Total revenue

9.64%47.76M

11.74%12.62M

9.97%12.25M

9.18%12.06M

7.42%10.82M

4.20%43.56M

8.79%11.3M

7.68%11.14M

4.42%11.05M

-4.01%10.07M

Net interest income

12.24%32.71M

11.15%8.5M

10.51%8.29M

16.43%8.22M

11.07%7.71M

-1.74%29.14M

4.00%7.65M

1.92%7.5M

-3.50%7.06M

-9.12%6.94M

-Net interest income

4.51%46.56M

3.25%11.98M

1.77%11.76M

6.45%11.6M

6.90%11.22M

13.41%44.55M

10.42%11.6M

13.97%11.55M

14.14%10.9M

15.48%10.5M

-Interest income from loans and lease

7.97%37.25M

4.22%9.52M

5.42%9.49M

11.91%9.34M

10.99%8.91M

9.97%34.51M

12.34%9.13M

12.69%9M

6.53%8.35M

8.05%8.02M

-Interest income from deposits

-27.87%559K

8.16%159K

-50.50%150K

-33.85%127K

-7.52%123K

56.25%775K

21.49%147K

126.12%303K

106.45%192K

-10.14%133K

-Interest income from securities

1.51%5.72M

22.49%1.55M

15.36%1.46M

-7.33%1.42M

-17.72%1.31M

14.06%5.64M

-9.53%1.26M

5.34%1.26M

30.29%1.53M

34.75%1.59M

-Total interest expense

-10.12%13.85M

-12.05%3.47M

-14.38%3.47M

-11.86%3.39M

-1.24%3.52M

60.12%15.41M

25.44%3.95M

45.88%4.05M

71.76%3.84M

144.44%3.56M

-Interest expense for deposit

-9.55%13.23M

-11.67%3.31M

-12.30%3.39M

-12.22%3.2M

-1.13%3.33M

66.61%14.63M

27.36%3.75M

49.86%3.86M

79.22%3.65M

175.59%3.37M

-Interest expense for long term debt and capital securities

-20.80%617K

-19.19%160K

-56.25%84K

-5.13%185K

-3.09%188K

-7.48%779K

-2.46%198K

-4.95%192K

-3.47%195K

-17.45%194K

Non interest income

4.37%15.05M

12.97%4.12M

8.86%3.97M

-3.63%3.85M

-0.67%3.11M

18.71%14.42M

20.44%3.65M

21.87%3.65M

22.15%3.99M

9.63%3.13M

-Total premiums earned

6.66%769K

3.16%196K

3.17%195K

3.83%190K

18.24%188K

31.57%721K

32.87%190K

35.97%189K

36.57%183K

20.45%159K

-Fees and commissions

8.54%8.72M

15.64%2.46M

7.19%2.19M

4.36%2.01M

6.33%2.05M

10.11%8.03M

13.49%2.13M

11.38%2.05M

7.83%1.93M

7.53%1.93M

-Other non interest income

-42.50%583K

-29.57%243K

858.06%297K

-96.06%21K

-79.05%22K

258.30%1.01M

231.73%345K

63.16%31K

233.13%533K

--105K

-Gain loss on sale of assets

7.11%4.88M

25.00%1.19M

-7.24%1.27M

21.02%1.59M

-9.71%837K

15.69%4.56M

8.59%948K

38.32%1.37M

13.88%1.31M

0.43%927K

-Dividend income

3.16%98K

-2.78%35K

25.00%15K

0.00%35K

8.33%13K

15.85%95K

9.09%36K

50.00%12K

6.06%35K

50.00%12K

Credit losses provision

-94.66%35K

-474.65%-266K

1.09%-91K

329.27%528K

-124.77%-137K

265.92%655K

171.72%71K

-156.10%-92K

-51.57%123K

495.00%553K

Non interest expense

6.87%36.65M

-4.62%8.87M

4.17%8.94M

8.08%9.19M

22.03%9.64M

8.16%34.29M

12.93%9.3M

8.38%8.59M

10.93%8.51M

0.27%7.9M

Occupancy and equipment

9.81%4.9M

18.24%1.29M

5.72%1.22M

2.95%1.15M

12.73%1.24M

5.38%4.46M

5.61%1.09M

20.33%1.15M

2.10%1.12M

-4.18%1.1M

Professional expense and contract services expense

14.29%3.97M

-42.57%773K

5.38%725K

17.70%818K

114.11%1.72M

38.12%3.47M

207.31%1.35M

0.88%688K

0.29%695K

18.14%801K

Selling and administrative expenses

8.98%22.35M

3.31%5.62M

12.67%5.9M

8.86%5.71M

11.63%5.12M

4.35%20.5M

1.65%5.44M

4.41%5.23M

11.18%5.25M

0.39%4.58M

-General and administrative expense

8.83%21.48M

5.51%5.43M

12.64%5.65M

9.15%5.48M

8.01%4.92M

5.37%19.74M

0.72%5.15M

4.26%5.01M

13.12%5.02M

4.16%4.55M

-Selling and marketing expense

12.89%867K

-36.24%183K

13.18%249K

2.60%237K

560.00%198K

-16.43%768K

21.61%287K

7.84%220K

-18.95%231K

-84.54%30K

Depreciation amortization depletion

0.18%561K

0.71%141K

0.00%140K

0.00%560K

0.00%140K

204.35%140K

-40.17%140K

0.00%140K

-Depreciation and amortization

0.18%561K

0.71%141K

0.00%140K

0.00%560K

0.00%140K

204.35%140K

-40.17%140K

0.00%140K

Other non-interest expense

-7.96%4.87M

-18.44%1.05M

-29.78%962K

5.07%1.37M

12.00%1.43M

11.53%5.29M

0.86%1.29M

12.11%1.37M

41.02%1.3M

-5.35%1.28M

Income from associates and other participating interests

Special income (charges)

Other non-operating income (expenses)

Income before tax

12.31%11.15M

68.55%3.49M

30.60%3.22M

27.46%3.4M

-61.83%1.04M

-3.46%9.92M

0.88%2.07M

-4.83%2.46M

-15.82%2.67M

10.16%2.72M

Income tax

7.28%2.12M

69.47%766K

-1.69%466K

33.98%694K

-63.18%197K

25.65%1.98M

907.14%452K

-7.24%474K

-18.17%518K

9.86%535K

Earnings from equity interest net of tax

Net income

13.57%9.02M

68.29%2.72M

38.29%2.75M

25.88%2.7M

-61.50%842K

-8.73%7.94M

-23.24%1.62M

-4.23%1.99M

-15.23%2.15M

10.23%2.19M

Net Income continuous operations

13.57%9.02M

68.29%2.72M

38.29%2.75M

25.88%2.7M

-61.50%842K

-8.73%7.94M

-23.24%1.62M

-4.23%1.99M

-15.23%2.15M

10.23%2.19M

Minority interest income

Net income attributable to the parent company

13.57%9.02M

68.29%2.72M

38.29%2.75M

25.88%2.7M

-61.50%842K

-8.73%7.94M

-23.24%1.62M

-4.23%1.99M

-15.23%2.15M

10.23%2.19M

Preferred stock dividends

Other preferred stock dividend

Net income attributable to common stockholders

13.57%9.02M

68.29%2.72M

38.29%2.75M

25.88%2.7M

-61.50%842K

-8.73%7.94M

-23.24%1.62M

-4.23%1.99M

-15.23%2.15M

10.23%2.19M

Basic earnings per share

13.71%1.99

66.67%0.6

38.64%0.61

27.66%0.6

-60.42%0.19

-8.38%1.75

-20.00%0.36

-4.35%0.44

-16.07%0.47

11.63%0.48

Diluted earnings per share

13.71%1.99

66.67%0.6

38.64%0.61

27.66%0.6

-60.42%0.19

-8.38%1.75

-20.00%0.36

-4.35%0.44

-16.07%0.47

11.63%0.48

Dividend per share

0.00%0.4

0.00%0.1

25.00%0.4

25.00%0.1

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion with Explanatory Notes

	(FY)Dec 31, 2025	(Q4)Dec 31, 2025	(Q3)Sep 30, 2025	(Q2)Jun 30, 2025	(Q1)Mar 31, 2025	(FY)Dec 31, 2024	(Q4)Dec 31, 2024	(Q3)Sep 30, 2024	(Q2)Jun 30, 2024	(Q1)Mar 31, 2024
Total revenue	9.64%47.76M	11.74%12.62M	9.97%12.25M	9.18%12.06M	7.42%10.82M	4.20%43.56M	8.79%11.3M	7.68%11.14M	4.42%11.05M	-4.01%10.07M
Net interest income	12.24%32.71M	11.15%8.5M	10.51%8.29M	16.43%8.22M	11.07%7.71M	-1.74%29.14M	4.00%7.65M	1.92%7.5M	-3.50%7.06M	-9.12%6.94M
-Net interest income	4.51%46.56M	3.25%11.98M	1.77%11.76M	6.45%11.6M	6.90%11.22M	13.41%44.55M	10.42%11.6M	13.97%11.55M	14.14%10.9M	15.48%10.5M
-Interest income from loans and lease	7.97%37.25M	4.22%9.52M	5.42%9.49M	11.91%9.34M	10.99%8.91M	9.97%34.51M	12.34%9.13M	12.69%9M	6.53%8.35M	8.05%8.02M
-Interest income from deposits	-27.87%559K	8.16%159K	-50.50%150K	-33.85%127K	-7.52%123K	56.25%775K	21.49%147K	126.12%303K	106.45%192K	-10.14%133K
-Interest income from securities	1.51%5.72M	22.49%1.55M	15.36%1.46M	-7.33%1.42M	-17.72%1.31M	14.06%5.64M	-9.53%1.26M	5.34%1.26M	30.29%1.53M	34.75%1.59M
-Total interest expense	-10.12%13.85M	-12.05%3.47M	-14.38%3.47M	-11.86%3.39M	-1.24%3.52M	60.12%15.41M	25.44%3.95M	45.88%4.05M	71.76%3.84M	144.44%3.56M
-Interest expense for deposit	-9.55%13.23M	-11.67%3.31M	-12.30%3.39M	-12.22%3.2M	-1.13%3.33M	66.61%14.63M	27.36%3.75M	49.86%3.86M	79.22%3.65M	175.59%3.37M
-Interest expense for long term debt and capital securities	-20.80%617K	-19.19%160K	-56.25%84K	-5.13%185K	-3.09%188K	-7.48%779K	-2.46%198K	-4.95%192K	-3.47%195K	-17.45%194K
Non interest income	4.37%15.05M	12.97%4.12M	8.86%3.97M	-3.63%3.85M	-0.67%3.11M	18.71%14.42M	20.44%3.65M	21.87%3.65M	22.15%3.99M	9.63%3.13M
-Total premiums earned	6.66%769K	3.16%196K	3.17%195K	3.83%190K	18.24%188K	31.57%721K	32.87%190K	35.97%189K	36.57%183K	20.45%159K
-Fees and commissions	8.54%8.72M	15.64%2.46M	7.19%2.19M	4.36%2.01M	6.33%2.05M	10.11%8.03M	13.49%2.13M	11.38%2.05M	7.83%1.93M	7.53%1.93M
-Other non interest income	-42.50%583K	-29.57%243K	858.06%297K	-96.06%21K	-79.05%22K	258.30%1.01M	231.73%345K	63.16%31K	233.13%533K	--105K
-Gain loss on sale of assets	7.11%4.88M	25.00%1.19M	-7.24%1.27M	21.02%1.59M	-9.71%837K	15.69%4.56M	8.59%948K	38.32%1.37M	13.88%1.31M	0.43%927K
-Dividend income	3.16%98K	-2.78%35K	25.00%15K	0.00%35K	8.33%13K	15.85%95K	9.09%36K	50.00%12K	6.06%35K	50.00%12K
Credit losses provision	-94.66%35K	-474.65%-266K	1.09%-91K	329.27%528K	-124.77%-137K	265.92%655K	171.72%71K	-156.10%-92K	-51.57%123K	495.00%553K
Non interest expense	6.87%36.65M	-4.62%8.87M	4.17%8.94M	8.08%9.19M	22.03%9.64M	8.16%34.29M	12.93%9.3M	8.38%8.59M	10.93%8.51M	0.27%7.9M
Occupancy and equipment	9.81%4.9M	18.24%1.29M	5.72%1.22M	2.95%1.15M	12.73%1.24M	5.38%4.46M	5.61%1.09M	20.33%1.15M	2.10%1.12M	-4.18%1.1M
Professional expense and contract services expense	14.29%3.97M	-42.57%773K	5.38%725K	17.70%818K	114.11%1.72M	38.12%3.47M	207.31%1.35M	0.88%688K	0.29%695K	18.14%801K
Selling and administrative expenses	8.98%22.35M	3.31%5.62M	12.67%5.9M	8.86%5.71M	11.63%5.12M	4.35%20.5M	1.65%5.44M	4.41%5.23M	11.18%5.25M	0.39%4.58M
-General and administrative expense	8.83%21.48M	5.51%5.43M	12.64%5.65M	9.15%5.48M	8.01%4.92M	5.37%19.74M	0.72%5.15M	4.26%5.01M	13.12%5.02M	4.16%4.55M
-Selling and marketing expense	12.89%867K	-36.24%183K	13.18%249K	2.60%237K	560.00%198K	-16.43%768K	21.61%287K	7.84%220K	-18.95%231K	-84.54%30K
Depreciation amortization depletion	0.18%561K	0.71%141K	0.00%140K	0.00%140K	0.00%140K	0.00%560K	0.00%140K	204.35%140K	-40.17%140K	0.00%140K
-Depreciation and amortization	0.18%561K	0.71%141K	0.00%140K	0.00%140K	0.00%140K	0.00%560K	0.00%140K	204.35%140K	-40.17%140K	0.00%140K
Other non-interest expense	-7.96%4.87M	-18.44%1.05M	-29.78%962K	5.07%1.37M	12.00%1.43M	11.53%5.29M	0.86%1.29M	12.11%1.37M	41.02%1.3M	-5.35%1.28M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax	12.31%11.15M	68.55%3.49M	30.60%3.22M	27.46%3.4M	-61.83%1.04M	-3.46%9.92M	0.88%2.07M	-4.83%2.46M	-15.82%2.67M	10.16%2.72M
Income tax	7.28%2.12M	69.47%766K	-1.69%466K	33.98%694K	-63.18%197K	25.65%1.98M	907.14%452K	-7.24%474K	-18.17%518K	9.86%535K
Earnings from equity interest net of tax
Net income	13.57%9.02M	68.29%2.72M	38.29%2.75M	25.88%2.7M	-61.50%842K	-8.73%7.94M	-23.24%1.62M	-4.23%1.99M	-15.23%2.15M	10.23%2.19M
Net Income continuous operations	13.57%9.02M	68.29%2.72M	38.29%2.75M	25.88%2.7M	-61.50%842K	-8.73%7.94M	-23.24%1.62M	-4.23%1.99M	-15.23%2.15M	10.23%2.19M
Minority interest income
Net income attributable to the parent company	13.57%9.02M	68.29%2.72M	38.29%2.75M	25.88%2.7M	-61.50%842K	-8.73%7.94M	-23.24%1.62M	-4.23%1.99M	-15.23%2.15M	10.23%2.19M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders	13.57%9.02M	68.29%2.72M	38.29%2.75M	25.88%2.7M	-61.50%842K	-8.73%7.94M	-23.24%1.62M	-4.23%1.99M	-15.23%2.15M	10.23%2.19M
Basic earnings per share	13.71%1.99	66.67%0.6	38.64%0.61	27.66%0.6	-60.42%0.19	-8.38%1.75	-20.00%0.36	-4.35%0.44	-16.07%0.47	11.63%0.48
Diluted earnings per share	13.71%1.99	66.67%0.6	38.64%0.61	27.66%0.6	-60.42%0.19	-8.38%1.75	-20.00%0.36	-4.35%0.44	-16.07%0.47	11.63%0.48
Dividend per share	0.00%0.4	0.00%0.1	0.00%0.1	0.00%0.1	0.00%0.1	25.00%0.4	25.00%0.1	25.00%0.1	25.00%0.1	25.00%0.1
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	Unqualified Opinion with Explanatory Notes	--	--	--	--	Unqualified Opinion with Explanatory Notes	--	--	--	--

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