BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
About BANK OF THE JAMES FINANCIAL GROUP INC
Bank of the James Financial Group Inc is a bank holding company that provides retail and commercial banking, deposit services, lending services, mortgage brokerage services, and other banking services. The company provides a range of deposit services including checking accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. It offers various types of secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. It operates three business segments community banking; mortgage banking, and investment advisory services.
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Financial summary
- Net income
- $9.0M
- Total assets
- $1.0B
- Market cap
- $104.3M
- Operating margin
- 260.8%
- Net margin
- 211.1%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $4.3M
- Operating expenses
- -$6.9M
- Operating income
- $11.1M
- Income tax
- $2.1M
- Net income
- $9.0M
- EPS (basic)
- $1.99
- EPS (diluted)
- $1.99
Balance sheet
- Total assets
- $1.0B
- Current assets
- $1.0B
- Total liabilities
- $959.0M
- Current liabilities
- $959.0M
- Shareholders’ equity
- $80.0M
Cash flow
- Operating cash flow
- $11.7M
- Investing cash flow
- -$42.4M
- Financing cash flow
- $41.9M
- Net cash flow
- $11.2M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year · hover for prices
52-week range
- Market cap
- $104.3M
- P/E ratio
- 13.5
- EPS (diluted)
- $1.99
- Dividend yield
- 1.49%
- Shares outstanding
- 3.9M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Aug 10, 2000
Bank of the James Financial Group Inc (BOTJ) Stock Price
- Profitable — net income of $9.0M.
- Revenue grew 71% from FY2021 to FY2025.
- Trading near its 52-week high.
- Pays a dividend yielding about 1.49% annually.
- Valued at a price-to-earnings (P/E) ratio of 13.5.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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News about BANK OF THE JAMES FINANCIAL GROUP INC
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Bank of the James Financial Group Inc: frequently asked questions
Is Bank of the James Financial Group Inc an American company?
Bank of the James Financial Group Inc is a US-based company headquartered in Lynchburg, Virginia, listed in the americancompanies.com directory of American companies. Its American-origin credentials have not yet been independently verified.
Where is Bank of the James Financial Group Inc headquartered?
Bank of the James Financial Group Inc is headquartered in Lynchburg, Virginia, United States.
Is Bank of the James Financial Group Inc publicly traded?
Yes — Bank of the James Financial Group Inc is a publicly traded company. Its stock trades under the ticker symbol BOTJ on the NASDAQ.
What does Bank of the James Financial Group Inc do?
Bank of the James Financial Group Inc is an American Financial Services company in the Business & Financial Services sector.
