Income Statement

BANK OF THE JAMES FINANCIAL GROUP INC

BOTJ
Annual
Performance Overview Click any row in the table to add it to this chart
in millions USD
Metric Dec 31, 2025 2025 FY Dec 31, 2024 2024 FY Dec 31, 2023 2023 FY Dec 31, 2022 2022 FY Dec 31, 2021 2021 FY Dec 31, 2020 2020 FY Dec 31, 2019 2019 FY Dec 31, 2018 2018 FY Dec 31, 2017 2017 FY Dec 31, 2016 2016 FY Dec 31, 2015 2015 FY Dec 31, 2014 2014 FY Dec 31, 2013 2013 FY Dec 31, 2012 2012 FY Dec 31, 2011 2011 FY
Revenue
62.51 59.78 52.23 45.10 40.39 40.66 37.00 32.21 28.39 26.36 24.50 22.32 21.91 22.37 23.20
Cost of Revenue
13.81 14.75 9.44 1.25 1.60 7.09 5.79 4.51 3.99 3.96 2.97 2.38 2.98 5.31 9.00
Gross Profit
48.69 45.03 42.79 43.85 38.79 33.57 31.22 27.70 24.41 22.41 21.52 19.94 18.93 17.07 14.20
Operating Expenses
37.55 35.11 32.51 32.74 29.34 27.39 24.28 21.06 19.05 17.59 16.18 15.24 14.83 14.39 13.69
Research & Development
- - - - - - - - - - - - - - -
Selling, General & Administrative
0.87 0.85 0.92 0.92 0.93 0.67 0.87 0.61 0.74 0.69 0.47 0.47 0.37 0.38 0.33
Other Operating Expenses
16.59 15.81 14.20 15.06 12.96 11.96 11.19 9.79 9.03 8.36 7.45 7.30 7.66 7.86 8.03
Operating Income
11.15 9.92 10.28 11.11 9.45 6.18 6.93 6.63 5.36 4.81 5.34 4.70 4.10 2.68 0.51
Non-Operating Income
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Income
46.66 44.64 39.36 31.85 29.18 29.69 29.82 26.97 23.67 21.57 20.30 18.73 18.43 18.75 19.52
Interest Expense
13.85 15.41 9.62 2.15 2.10 4.54 5.26 3.80 2.99 2.34 2.69 2.33 2.44 3.02 4.19
Other Non-Op Income / Expense
0.63 0.88 7.16 4.54 8.20 4.43 4.21 4.91 3.25 2.87 4.23 3.92 3.56 2.61 -
Income Before Tax
11.15 9.92 10.28 11.11 9.45 6.18 6.93 6.63 5.36 4.81 5.34 4.70 4.10 2.68 0.51
Income Tax Expense
2.12 1.98 1.58 2.15 1.86 1.20 1.33 1.33 2.44 1.53 1.65 1.29 1.04 0.54 -0.09
Non-Controlling Interest
- - - - - - - - - - - - - - -
Net Income
9.02 7.94 8.70 8.96 7.59 4.98 5.61 5.30 2.92 3.29 3.69 3.41 3.06 2.13 0.60
Supplemental Per share data, derived & other items — not part of the income statement
in millions USD unless noted
Metric Dec 31, 2025 2025 FY Dec 31, 2024 2024 FY Dec 31, 2023 2023 FY Dec 31, 2022 2022 FY Dec 31, 2021 2021 FY Dec 31, 2020 2020 FY Dec 31, 2019 2019 FY Dec 31, 2018 2018 FY Dec 31, 2017 2017 FY Dec 31, 2016 2016 FY Dec 31, 2015 2015 FY Dec 31, 2014 2014 FY Dec 31, 2013 2013 FY Dec 31, 2012 2012 FY Dec 31, 2011 2011 FY
Depreciation & Amortization
- - - - - - - - - - - - - - -
EBITDA
12.47 11.30 11.69 13.16 11.51 8.21 8.60 7.56 6.17 5.58 6.11 5.46 4.10 2.68 0.51
Earnings Per Share (Basic)
1.99 1.75 1.91 1.91 1.60 1.15 1.28 1.21 0.67 0.75 1.07 1.01 0.91 0.64 -
Diluted EPS
1.99 1.75 1.91 1.91 1.60 1.15 1.28 1.21 0.67 0.75 1.07 1.01 0.91 0.64 -
Weighted Average Shares
4.54 4.54 4.56 4.70 4.75 4.34 4.38 4.38 4.38 4.38 3.45 3.37 3.35 3.34 -
Diluted Weighted Avg Shares
4.54 4.54 4.56 4.70 4.75 4.34 4.38 4.38 4.38 4.38 3.45 3.37 3.35 3.34 -
Comprehensive Income
17.00 6.64 13.87 -16.44 4.41 6.78 7.84 4.53 3.29 2.28 3.49 - - - -