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BANK OF THE JAMES FINANCIAL GROUP INC

BOTJ

$27.25 ▲ +0.15 (+0.55%) at close

17 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

BANK OF THE JAMES FINANCIAL GROUP INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $123.8M

Dividend Yield 1.47%

Revenue Growth 9.7% ↗

Op. Margin 22.9% ↗

ROIC None

FCF / Share None

Trailing P/E 13.7x

Price / Book 1.6x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$48.66M

↑ +9.7% —

Net Income Profit after all expenses

$9.02M

↑ +13.6% —

Operating Margin Operating profit as % of sales

22.9%

↑ +2.4% 79th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Dividend History

Dividend / share · sourced from SEC filings

$0.40 Latest / share

+0.0% YoY

+9.3% 12-yr CAGR

$0.15

FY 2014

$0.22

FY 2015

$0.24

FY 2016

$0.24

FY 2017

$0.24

FY 2018

$0.28

FY 2019

$0.28

FY 2020

$0.28

FY 2021

$0.29

FY 2022

$0.32

FY 2023

$0.40

FY 2024

$0.40

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	9.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	4.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	-0.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-113%)	12.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+103%)	6.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	13.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+130%)	11.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+95%)	11.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+98%)	5.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	10.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+69%)	9.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+51%)	2.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-55%)	0.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	1.8% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-69%)	1.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	—	—
EPS Growth YoY (%)	13.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-8.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	19.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	53.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	80.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-10.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-29.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	11.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	42.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	255.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	13.6% Fair ↑ Fair Improving Year-over-year change in net income	-8.7% Weak ↓ Weak Declining Year-over-year change in net income	-2.8% Weak ↓ Weak Declining Year-over-year change in net income	18.1% Good ↑ Good Improving Year-over-year change in net income	52.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-11.2% Weak ↓ Weak Declining Year-over-year change in net income	5.7% Fair ↓ Fair Declining Year-over-year change in net income	81.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-11.1% Weak ↓ Weak Declining Year-over-year change in net income	-11.0% Weak ↓ Weak Declining Year-over-year change in net income	8.2% Fair ↓ Fair Declining Year-over-year change in net income	11.5% Fair ↓ Fair Declining Year-over-year change in net income	43.5% Excellent ↓ Excellent Declining Year-over-year change in net income	255.3% Excellent Excellent Year-over-year change in net income	-67.0% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.6% Good → Good Stable Compound annual revenue growth over 3 years	10.5% Good → Good Stable Compound annual revenue growth over 3 years	12.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.7% Weak Weak Compound annual revenue growth over 3 years	1.3% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.8% Good → Good Stable Compound annual revenue growth over 5 years	10.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.8% Fair Fair Compound annual revenue growth over 5 years	3.1% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	1.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	3.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	22.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.3% Good → Good Stable Compound annual EPS growth over 3 years	9.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	15.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	19.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	4.2% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-12.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	18.7% Excellent Excellent Compound annual EPS growth over 3 years	77.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	22.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	22.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	24.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.7% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	17.1% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	18.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	17.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	20.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	20.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	19.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	13.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	17.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	18.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	11.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	13.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	16.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	17.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	15.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	11.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	3.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	9.7% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	11.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	12.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	14.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+21%)	17.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	7.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	5.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	9.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	2.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	7.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$10.71	$9.77	$9.34	$9.14	$8.06	$7.56	$7.25	$6.49	$5.80	$5.49	$6.32	$5.94	$5.80	$5.79	$5.72	—	—
Basic EPS, GAAP (USD)	$1.99	$1.75	$1.91	$1.91	$1.60	$1.04	$1.28	$1.21	$0.67	$0.75	$1.07	$1.01	$0.91	$0.64	$0.18	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.40	$0.40	$0.32	$0.29	$0.28	$0.28	$0.28	$0.24	$0.24	$0.24	$0.22	$0.15	—	—	—	—	—
Book Value per Share (USD)	$17.62	$14.28	$13.21	$10.85	$14.65	$15.38	$14.10	$12.59	$11.80	$11.29	$11.01	$10.31	$8.85	$8.83	$8.02	$7.67	—
Tangible Book Value per Share (USD)	$17.17	$13.82	$12.76	$10.41	$14.01	$15.38	$14.10	$12.59	$11.80	$11.29	$11.01	$10.31	$8.85	$8.83	$8.02	$7.67	—
Basic Weighted Avg Shares (shares)	4.54M	4.54M	4.56M	4.70M	4.75M	4.78M	4.38M	4.38M	4.38M	4.38M	3.45M	3.37M	3.35M	3.34M	3.32M	—	—
Dividend Payout Ratio (%)	20.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	15.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	17.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	26.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	21.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	35.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	20.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$80.05M	$64.86M	$60.04M	$50.23M	$69.43M	$66.73M	$61.45M	$55.14M	$51.66M	$49.42M	$48.20M	$34.78M	$29.77M	$29.61M	$26.80M	$25.50M	$23.73M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$48.66M	$44.37M	$42.61M	$42.95M	$38.29M	$36.12M	$31.74M	$28.41M	$25.40M	$24.02M	$21.80M	$19.99M	$19.47M	$19.36M	$19.01M	$18.72M	—
Depreciation Expense (USD)	$1.33M	$1.38M	$1.41M	$2.05M	$2.06M	$2.03M	$1.67M	$930.00K	$811.00K	$767.00K	$767.00K	$756.00K	$720.00K	$681.00K	$715.00K	$813.00K	—
Net Income, GAAP (USD)	$9.02M	$7.94M	$8.70M	$8.96M	$7.59M	$4.98M	$5.61M	$5.30M	$2.92M	$3.29M	$3.69M	$3.41M	$3.06M	$2.13M	$600.00K	$1.82M	—
Operating Cash Flow (USD)	$11.66M	$8.51M	$9.49M	$9.31M	$16.35M	$5.20M	$5.59M	$8.57M	$6.72M	$2.79M	—	—	—	$5.05M	$7.12M	$7.72M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	3.0%	3.1%	3.2%	2.7%	3.0%	3.4%	3.4%	3.3%	3.3%	3.3%	3.6%	3.7%	3.6%	3.6%	3.6%	—
Efficiency Ratio (%) (%)	77.2%	79.1%	76.3%	76.2%	76.6%	75.8%	76.5%	74.1%	75.0%	73.3%	74.2%	76.2%	76.2%	74.4%	72.0%	72.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 66 quarters

BANK OF THE JAMES FINANCIAL GROUP INC

Analytical Summary

17-Year Financial Trajectory

Bullish Indicators

Bearish Risks

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