BOTJ
NASDAQ · Banking
Bank Of The James Financial
$23.76
+0.09 (+0.38%)
Financial Highlights (FY 2026)
Revenue
41.88M
Net Income
9.10M
Gross Margin
—
Profit Margin
20.9%
Rev Growth
+2.2%
D/E Ratio
0.14
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 | 41.88M | 40.97M | 28.98M | 27.55M |
| Gross Profit | — | — | 9.19M | 8.74M |
| Operating Income | — | — | 8.58M | 6.89M |
| Net Income | 9.10M | 8.01M | 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 | 6.56M | 6.56M | 20.45M | 25.95M |
| Total Equity | 47.87M | 47.87M | 29.31M | 29.42M |
| D/E Ratio | 0.14 | 0.14 | 0.70 | 0.88 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 13.49M | 12.54M | 9.74M | 8.75M |
| Free Cash Flow | — | — | 4.19M | 5.43M |