Bank of the James Financial Group, Inc. (BOTJ)

Nasdaq: BOTJ · State Commercial Banks · Lynchburg, VA · filing with the SEC since 2004

Grade4.4

◀ Past 3.6● Present 4.4▶ Future 5.5

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 27, 2026	Mar 26, 2025	Mar 27, 2024	Mar 31, 2023	Mar 29, 2022	Mar 29, 2021	Mar 20, 2020	Mar 22, 2019	Mar 21, 2018	Mar 21, 2017
Revenue	4,273	4,003	3,901	3,591	2,496	2,033	1,785	1,871	1,759	·
For lenders
Interest and dividend income	46,655	44,643	39,362	31,853	29,181	29,686	29,816	26,971	23,665	21,568
Interest expense on deposits and borrowings	13,848	15,407	9,622	·	·	·	·	·	·	·
Net interest income	32,807	29,236	29,740	29,703	27,079	25,146	24,552	23,176	20,672	19,224
Provision for credit losses	-35	-655	-179	-900	-500	2,548	523	716	993	1,612
Net interest income after provision	32,842	29,891	29,919	30,603	27,579	22,598	24,029	22,460	19,679	17,612
Noninterest income	15,852	15,137	12,867	13,244	11,209	10,975	7,188	5,235	4,727	4,795
Noninterest expense	37,549	35,105	32,507	32,737	29,337	27,394	24,283	21,064	19,046	17,594
Interest expense	·	·	9,622	2,150	2,102	4,540	5,264	3,795	2,993	2,344
Income before income taxes	11,145	9,923	10,279	11,110	9,451	6,179	6,934	6,631	5,360	4,813
Income tax expense	2,123	1,979	1,575	2,151	1,862	1,199	1,329	1,329	2,438	1,527
Net income	9,022	7,944	8,704	8,959	7,589	4,980	5,605	5,302	2,922	3,286
Earnings per share, basic	1.99	1.75	1.91	1.91	1.60	1.04^r	1.1636^b	1.10^b	0.6091^b	0.6818^b
Earnings per share, diluted	1.99	1.75	1.91	1.91	1.60	1.04^r	1.1636^b	1.10^b	0.6091^b	0.6818^b
Weighted average shares, basic	4,543,338	4,543,338	4,562,374	4,698,041	4,747,821	4,775,733^r	4,813,395^b	4,816,280^b	4,816,280^b	4,816,280^b
Weighted average shares, diluted	4,543,338	4,543,338	4,562,374	4,698,041	4,747,821	4,775,733^r	4,819,757^b	4,816,305^b	4,816,373^b	4,816,286^b
Weighted average shares, basic and diluted	·	·	·	·	·	·	·	·	·	4,816,280^b

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.Share counts and per-share figures are on the newest report's basis, after the change of share basis.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:RevenueFromContractWithCustomerIncludingAssessedTax

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Weighted average shares, basic and diluted the average count, where both counts are the sameus-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted

SI Assistanton BOTJ · research, not advice