BOTJ Financials: Bank of the James AI Analysis

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BOTJ Financial

Bank of the James

$20.92

-0.19%

$-0.03

At close: Mar 24, 16:00:00 GMT-4

$20.92

Post-market: Mar 24, 18:09:19 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$20.96

Open

$20.95

Day's Range

$20.85 - $20.95

52 week range

$13 - $21.49

Volume

2.6K

Avg.Volume

3.9K

Dividend yield

1.93%

EPS (TTM)

1.99

Market Cap

$94.9M

What is BOTJ?

Bank of the James Financial Group, Inc. is a bank holding company, which engages in the provision of general retail and commercial banking services. The company is headquartered in Lynchburg, Virginia. The company went IPO on 2000-07-14. The Bank is a wholly owned subsidiary of Bank of the James Financial Group, Inc. The Bank provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. The Bank offers a full range of short- to medium-term commercial and consumer loans. The Bank services customers in Virginia from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Buchanan, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Nellysford, Roanoke, Rustburg, and Wytheville.

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Annual

Quarterly

BOTJ Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021
Revenue	--	--	--	--	--	--
Revenue Growth (YoY)	--	--	--	--	--	--
Cost of Revenue	--	--	--	--	--	--
Gross Profit	--	--	--	--	--	--
Selling, General & Admin	--	--	--	--	--	--
Research & Development	--	--	--	--	--	--
Operating Expenses	--	--	--	--	--	--
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	11	11	9	10	11	9
Income Tax Expense	2	2	1	1	2	1
Net Income	9	9	7	8	8	7
Net Income Growth	28.99%	28.99%	-13%	0%	14%	75%
Shares Outstanding (Diluted)	4.54	4.54	4.54	4.56	4.7	4.75
Shares Change (YoY)	0%	0%	0%	-3%	-1%	-1%
EPS (Diluted)	1.98	1.98	1.74	1.9	1.91	1.6
EPS Growth	13%	14%	-8%	0%	19%	54%
Free Cash Flow	--	--	5	7	7	2
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	--	--	--	--	--	--
Operating Margin	--	--	--	--	--	--
Profit Margin	--	--	--	--	--	--
Free Cash Flow Margin	--	--	--	--	--	--
EBITDA	--	--	--	--	--	--
EBITDA Margin	--	--	--	--	--	--
D&A For EBITDA	--	--	1	1	2	2
EBIT	--	--	--	--	--	--
EBIT Margin	--	--	--	--	--	--
Effective Tax Rate	18.18%	18.18%	11.11%	10%	18.18%	11.11%

Follow-Up Questions

What are Bank of the James's key financial statements?

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According to the latest financial statement (Form-10K), Bank of the James has a total asset of $1,039, Net profit of $9

What are the key financial ratios for BOTJ?

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Bank of the James's Current ratio is 1.08, has a Net margin is 0, sales per share of $0.

How is Bank of the James's revenue broken down by segment or geography?

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Bank of the James largest revenue segment is Community Banking, at a revenue of 35,992,000 in the most earnings release.For geography, United States is the primary market for Bank of the James, at a revenue of 44,373,000.

Is Bank of the James profitable?

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yes, according to the latest financial statements, Bank of the James has a net profit of $9

Does Bank of the James have any liabilities?

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yes, Bank of the James has liability of 958

How many outstanding shares for Bank of the James?

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Bank of the James has a total outstanding shares of 4.54

Bank of the James (BOTJ) Financial

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