BOTJ
BOTJ
NASDAQ · Banking

Bank Of The James Financial

$23.33
+0.12 (+0.52%)
As of May 9, 2:06 AM ET ·
Financial Highlights (FY 2026)
Revenue
41.28M
Net Income
8.97M
Gross Margin
Profit Margin
20.9%
Rev Growth
+2.2%
D/E Ratio
0.11
Revenue & Net Income
Margin Trends
FY 2026 FY 2025 FY 2024 FY 2023
Gross Margin 31.7% 31.7%
Operating Margin 29.6% 25.0%
Profit Margin 20.9% 19.8% 19.0% 18.9%
Income Statement
FY 2026 FY 2025 FY 2024 FY 2023
Revenue 41.28M 40.38M 28.98M 27.55M
Gross Profit 9.19M 8.74M
Operating Income 8.58M 6.89M
Net Income 8.97M 7.90M 5.52M 5.20M
Gross Margin 31.7% 31.7%
Operating Margin 29.6% 25.0%
Profit Margin 20.9% 19.8% 19.0% 18.9%
Rev Growth +2.2% +2.2% +13.2% +16.3%
Balance Sheet
FY 2026 FY 2025 FY 2024 FY 2023
Total Debt 5.22M 5.22M 20.45M 25.95M
Total Equity 47.46M 47.46M 29.31M 29.42M
D/E Ratio 0.11 0.11 0.70 0.88
Cash Flow
FY 2026 FY 2025 FY 2024 FY 2023
EBITDA 11.08M 10.29M 9.74M 8.75M
Free Cash Flow 4.19M 5.43M