Bank of the James Financial Group financials
$27.04−0.62%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $62.5M | $59.8M | $52.2M | $45.1M | $40.4M | $40.7M | $37.0M | $32.2M | $28.4M | $26.4M |
| Gross profit | $48.7M | $44.4M | $42.6M | $42.9M | $38.3M | $36.1M | $31.7M | $28.4M | $25.4M | $24.0M |
| Gross margin | 77.8% | 74.2% | 81.6% | 95.2% | 94.8% | 88.8% | 85.8% | 88.2% | 89.5% | 91.1% |
| Operating income | $11.1M | $9.9M | $10.3M | $11.1M | $9.5M | $6.2M | $6.9M | $6.6M | $5.4M | $4.8M |
| Net income | $9.0M | $7.9M | $8.7M | $9.0M | $7.6M | $5.0M | $5.6M | $5.3M | $2.9M | $3.3M |
| Net margin | 14.4% | 13.3% | 16.7% | 19.9% | 18.8% | 12.2% | 15.1% | 16.5% | 10.3% | 12.5% |
| Diluted EPS | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 | $1.04 | $1.28 | $1.21 | $0.67 | $0.75 |
| EBITDA | $11.1M | $9.9M | $10.3M | $11.1M | $9.5M | $6.2M | $6.9M | $6.6M | $5.4M | $4.8M |
| Operating cash flow | $11.7M | $8.5M | $9.5M | $9.3M | $16.3M | $5.2M | $5.6M | $8.6M | $6.7M | $185.0K |
| Free cash flow | $10.5M | $6.0M | $7.9M | $8.2M | $13.4M | $3.4M | $1.2M | $6.3M | $4.8M | -$1.5M |
| Diluted shares | 4.5M | 4.5M | 4.6M | 4.7M | 4.7M | 4.8M | 4.4M | 4.4M | 4.4M | 4.4M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $28.5M | $23.3M | $25.6M | $30.0M | $29.3M | $31.7M |
| Short-term investments | $275.5M | $243.4M | $270.9M | $222.6M | $320.1M | $164.6M |
| Total debt | $8.8M | $19.3M | $19.9M | $20.5M | $21.0M | $10.0M |
| Total assets | $1.04B | $979.2M | $969.4M | $928.6M | $987.6M | $851.4M |
| Total liabilities | $959.0M | $914.4M | $909.3M | $878.3M | $918.2M | $784.7M |
| Shareholders' equity | $80.0M | $64.9M | $60.0M | $50.2M | $69.4M | $66.7M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology