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Bank of the James Financial Group, Inc.
Bank of the James Financial Group, Inc. Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 21,116 | 10.7 | 1.48 | 0.11 | 2,565.48 |
| Oct 2026 | 21,122 | 10.7 | 1.48 | 0.11 | 2,563.00 |
| Oct 2026 | 21,151 | 10.6 | 1.47 | 0.11 | 2,542.15 |
| Oct 2026 | 21,175 | 10.6 | 1.46 | 0.11 | 2,533.49 |
| Oct 2026 | 21,028 | 10.9 | 1.50 | 0.11 | 2,604.61 |
| Oct 2026 | 20,961 | 11.0 | 1.52 | 0.11 | 2,630.33 |
| Oct 2026 | 20,751 | 11.4 | 1.58 | 0.11 | 2,726.48 |
Bank of the James Financial Group, Inc. Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 13,471,000.0 | 12,508,000.0 | 12,624,000.0 | 12,253,000.0 |
| Net Profit | 3,240,000.0 | 2,774,000.0 | 2,723,000.0 | 2,752,000.0 |
| EPS | 0.7 | 0.6 | 0.6 | 0.6 |
Bank of the James Financial Group, Inc. Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 47,755,000.0 | 43,557,000.0 | 41,802,000.0 | 42,024,000.0 | — |
| Net Profit | 9,022,000.0 | 7,944,000.0 | 8,704,000.0 | 8,959,000.0 | — |
| EPS | 2.0 | 1.8 | 1.9 | 1.9 | — |
Bank of the James Financial Group, Inc. Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Total Assets | 1,039,024,000.0 | 979,244,000.0 | 969,371,000.0 | 928,571,000.0 | — |
| Total Liabilities | 958,976,000.0 | 914,379,000.0 | 909,332,000.0 | 878,345,000.0 | — |
| Total Equity | 80,048,000.0 | 64,865,000.0 | 60,039,000.0 | 50,226,000.0 | — |
Owes vs Owns
Bank of the James Financial Group, Inc. owed $0.92 for every $1 it owned in Jun 2026, down from $0.95 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.92× | 0.92× | 0.93× | 0.94× | 0.95× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
Bank of the James Financial Group, Inc. Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 3.1%Fixed assets (tangible) 1.8%Intangible assets 0.8%Long-term investments 21.0%Other assets 73.0%
How it's funded — Dec 2025
Long-term debt 0.8%Other liabilities 91.3%Shareholders' equity 7.7%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 31.7 | 211.2 | 242.1 | 215.8 |
| Receivables | 3.4 | 3.1 | 2.8 | 2.7 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 19.1 | 19.3 | 18.1 | 18.0 |
| Intangible assets | 8.2 | 8.8 | 9.3 | 9.9 |
| Long-term investments | 217.7 | 191.5 | 220.1 | 189.4 |
| Other assets | 758.9 | 545.4 | 476.8 | 492.7 |
| Liabilities & equity | ||||
| Short-term debt | 0.0 | 0.0 | 0.0 | 0.0 |
| Long-term debt | 8.8 | 19.3 | 19.9 | 20.5 |
| Payables | 1.2 | 0.7 | 0.5 | 0.1 |
| Other liabilities | 949.0 | 894.3 | 888.9 | 857.8 |
| Shareholders' equity | 80.0 | 64.9 | 60.0 | 50.2 |
| Net tangible assets | 71.8 | 56.1 | 50.7 | 40.3 |
Bank of the James Financial Group, Inc. Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 11,660,000.0 | 8,509,000.0 | 9,492,000.0 | 9,312,000.0 | — |
| Investing Activities | -42,397,000.0 | -11,173,000.0 | -23,335,000.0 | -88,129,000.0 | — |
| Financing Activities | 41,903,000.0 | 1,135,000.0 | 26,919,000.0 | -42,574,000.0 | — |