BOTJ
BOTJ
NASDAQ · Banking

Bank Of The James Financial

$20.02
-0.98 (-4.67%)
As of Mar 22, 10:42 PM ET ·
Financial Highlights (FY 2026)
Revenue
42.42M
Net Income
9.22M
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 42.42M 41.50M 28.98M 27.55M
Gross Profit 9.19M 8.74M
Operating Income 8.58M 6.89M
Net Income 9.22M 8.11M 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 4.71M 4.71M 20.45M 25.95M
Total Equity 42.88M 42.88M 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 11.38M 10.58M 9.74M 8.75M
Free Cash Flow 4.19M 5.43M