All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2024-05-15.
From the record
Bank of the James Financial Group, Inc.'s filings since 2017 show 2 warning events of 2 kinds: an auditor change (8-K item 4.01, the latest 2024-03-15); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2024-05-15) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+9% a year over 10 filed years; profitable in 10 of 10.
From the record
Bank of the James Financial Group, Inc.'s 10 filed years say what it did: revenue went from $22 million in fiscal 2016 to $47 million in fiscal 2025, up 9% a year; it rose in 7 of 9 years; the deepest fall was 2% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 1.1% a year. 21% of cash flow returned. Insiders: 0 sales, 18 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Bank of the James Financial Group, Inc.'s diluted share count shrank about 1.1% a year, and dividends and buybacks returned about 21% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 18 purchases of their own stock on the open market in the year to 2026-11-10, buying about $182 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 11%: 11¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Bank of the James Financial Group, Inc. earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 25% of 155 in its family; net margin 19.3%.
From the record
Bank of the James Financial Group, Inc.'s standing among 155 graded names in its industry family: revenue of $47 million in fiscal 2025 ranks in the bottom 4% by size; a net margin of 19.3% ranks in the bottom 42%; revenue growth of 13.6% a year over the last 3 filed years ranks in the bottom 27% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 28% of 150 in its family for leadership.
From the record
Bank of the James Financial Group, Inc.'s leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 9 officers and directors filing in the last fifteen months have been on the record a median of 19.9 years (top 1%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 9 people in charge now (bottom 46%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 34% of 142 in its family for room to expand.
From the record
Bank of the James Financial Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $84 million against no long-term debt tagged leaves 8.1% of its assets as net cash, top 13% of its family; cash from operations less capital spending is 22.5% of revenue (bottom 45%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 50% of 152 in its family for growth drivers.
From the record
Bank of the James Financial Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 13.6% a year over the last three filed years against 9% over all 10, speeding up (top 42% of its family); the newest year grew 4.5% (top 50%); capital spending grew -0.7% a year (bottom 42%) (its annual reports). Bank of the James Financial Group, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 49% of 150 in its family for expectations against reality.
From the record
Bank of the James Financial Group, Inc.'s newest year against its own record: revenue of $47 million in fiscal 2025 came in 11.7% below the $53 million its prior three years' pace pointed to (top 37% of its family); net income of $9 million against a prior three-year average of $9 million (bottom 36%); a net margin of 19.3% against 22.7% before (bottom 49%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made