BOTJ

MKT CAP:$106M

Bank of the James Financial Group, Inc.

Market Cap

$106M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$23.40+$4.86 (+26.21%)

Apr 22, 2026

Company Details

Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental aut...

CEO

Robert R. Chapman

IPO Date

Aug 10, 2000

Website

www.bankofthejames.bank

Key Metrics TTM

Revenue

$62M

+4.9% YoY

Net Income

$9M

EPS (Diluted)

$2.00

Free Cash Flow

$10M

Revenue / Share

$13.61

Gross Margin

77.7%

Operating Margin

19.4%

Net Margin

14.6%

FCF Margin

15.7%

P/S

1.7x

P/E

11.7x

Earnings Reports

Q1 2026

Apr 28, 2026

PENDING

FY 2025

Feb 4, 2026

$63M+6.0%EPS $1.99

Q4 2025

Feb 4, 2026

$16M+7.1%EPS $0.60

Q3 2025

Nov 14, 2025

$16M+3.5%EPS $0.61

Q2 2025

Aug 13, 2025

$15M+3.7%EPS $0.60

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$10M	$10M	$3M
Q2 22	$10M	$10M	$3M
Q3 22	$12M	$12M	$3M
Q4 22	$12M	$11M	$2M
Q1 23	$12M	$10M	$2M
Q2 23	$13M	$11M	$3M
Q3 23	$13M	$11M	$3M
Q4 23	$14M	$10M	$2M
Q1 24	$14M	$11M	$3M
Q2 24	$15M	$11M	$3M
Q3 24	$15M	$11M	$2M
Q4 24	$15M	$11M	$2M
Q1 25	$14M	$11M	$1M
Q2 25	$15M	$13M	$3M
Q3 25	$16M	$12M	$3M
Q4 25	$16M	$13M	$4M

Valuation

Quarter	P/S	P/E
Q1 22	2.6x	13.4x
Q2 22	2.6x	13.0x
Q3 22	2.5x	11.9x
Q4 22	2.4x	11.8x
Q1 23	2.3x	12.0x
Q2 23	2.2x	11.7x
Q3 23	2.1x	12.4x
Q4 23	2.1x	12.2x
Q1 24	2.0x	11.9x
Q2 24	1.9x	12.4x
Q3 24	1.8x	12.6x
Q4 24	1.8x	13.3x
Q1 25	1.8x	16.0x
Q2 25	1.8x	14.8x
Q3 25	1.7x	13.4x
Q4 25	1.7x	11.7x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	-$3M	-$3M
Q2 22	$4M	$4M
Q3 22	$4M	$4M
Q4 22	$4M	$4M
Q1 23	$5M	$5M
Q2 23	-$2M	-$2M
Q3 23	$3M	$2M
Q4 23	$4M	$3M
Q1 24	-$1M	-$2M
Q2 24	$3M	$3M
Q3 24	$5M	$3M
Q4 24	$2M	$2M
Q1 25	$763.0K	$141.0K
Q2 25	$4M	$4M
Q3 25	$5M	$6M
Q4 25	$0	$0

Capital Expenditures

Quarter	CapEx
Q1 22	$53.0K
Q2 22	$379.0K
Q3 22	$489.0K
Q4 22	$270.0K
Q1 23	$189.0K
Q2 23	$121.0K
Q3 23	$1M
Q4 23	$96.0K
Q1 24	$479.0K
Q2 24	$113.0K
Q3 24	$2M
Q4 24	$341.0K
Q1 25	$622.0K
Q2 25	$125.0K
Q3 25	$747.0K
Q4 25	$0

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+8.0%	+5.3%
Q2 22	+3.7%	+0.4%
Q3 22	+22.2%	+18.1%
Q4 22	+15.8%	+19.2%
Q1 23	+16.2%	+24.5%
Q2 23	+23.6%	+28.6%
Q3 23	+9.3%	+19.3%
Q4 23	+17.6%	+26.0%
Q1 24	+14.1%	+15.1%
Q2 24	+16.2%	+26.7%
Q3 24	+15.8%	+20.8%
Q4 24	+12.7%	+14.8%
Q1 25	+5.2%	+21.9%
Q2 25	+3.7%	-1.4%
Q3 25	+3.5%	-1.8%
Q4 25	+7.1%	-9.2%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$0	0.0%
Q2 22	$0	0.0%
Q3 22	$0	0.0%
Q4 22	$0	0.0%
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$4M	$192.0K
Q2 22	$5M	$247.0K
Q3 22	$5M	$222.0K
Q4 22	$5M	$259.0K
Q1 23	$4M	$194.0K
Q2 23	$4M	$285.0K
Q3 23	$5M	$204.0K
Q4 23	$6M	$236.0K
Q1 24	$5M	$30.0K
Q2 24	$5M	$231.0K
Q3 24	$5M	$220.0K
Q4 24	$6M	$287.0K
Q1 25	$5M	$198.0K
Q2 25	$5M	$237.0K
Q3 25	$6M	$249.0K
Q4 25	$7M	$183.0K

Revenue Segments

Quarter	Community Banking	Holding Company	Investment Advisory Services	Mortgage
Q2 25	$10M	$3M	$1M	$2M
Q3 25	$10M	$3M	$1M	$1M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$33M	$213M	$245M
Q2 22	$34M	$201M	$236M
Q3 22	$39M	$191M	$230M
Q4 22	$30M	$186M	$216M
Q1 23	$23M	$190M	$212M
Q2 23	$22M	$187M	$209M
Q3 23	$20M	$182M	$202M
Q4 23	$26M	$217M	$242M
Q1 24	$25M	$215M	$240M
Q2 24	$23M	$206M	$229M
Q3 24	$23M	$192M	$215M
Q4 24	$23M	$15M	$39M
Q1 25	$26M	$5M	$31M
Q2 25	$23M	$3M	$26M
Q3 25	$28M	$203M	$231M
Q4 25	$84M	$56M	$140M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	5M	0.0%	-0.5%
Q2 22	5M	0.0%	-0.1%
Q3 22	5M	-1.2%	-1.2%
Q4 22	5M	-1.2%	-2.4%
Q1 23	5M	-0.2%	-2.6%
Q2 23	5M	-1.6%	-4.1%
Q3 23	5M	-0.0%	-3.0%
Q4 23	5M	0.0%	-1.9%
Q1 24	5M	0.0%	-1.6%
Q2 24	5M	0.0%	-0.0%
Q3 24	5M	0.0%	0.0%
Q4 24	5M	0.0%	0.0%
Q1 25	5M	0.0%	0.0%
Q2 25	5M	+0.0%	+0.0%
Q3 25	5M	0.0%	+0.0%
Q4 25	5M	0.0%	+0.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$65.1K	158
Q2 22	$65.7K	158
Q3 22	$76.0K	158
Q4 22	$66.5K	173
Q1 23	$69.1K	173
Q2 23	$74.1K	173
Q3 23	$75.9K	173
Q4 23	$78.7K	172
Q1 24	$79.2K	172
Q2 24	$86.6K	172
Q3 24	$88.3K	172
Q4 24	$87.1K	175
Q1 25	$81.9K	175
Q2 25	$88.3K	175
Q3 25	$89.9K	175
Q4 25	$93.4K	175

Revenue / Employee