15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $4M | $9M | 0.0% | 0.0% | 11.3% | 0.9% | $10M | — | $84M |
| 2024 | $4M | $8M | 0.0% | 0.0% | 12.2% | 0.8% | $6M | — | $73M |
| 2023 | $4M | $9M | 0.0% | 0.0% | 14.5% | 0.9% | $8M | — | $75M |
| 2022 | $4M | $9M | 0.0% | 0.0% | 17.8% | 1.0% | $8M | — | $62M |
| 2021 | $2M | $8M | 0.0% | 0.0% | 10.9% | 0.8% | $13M | — | $183M |
| 2020 | $2M | $5M | 0.0% | 0.0% | 7.5% | 0.6% | $3M | — | $101M |
| 2019 | $2M | $6M | 0.0% | 0.0% | 9.1% | 0.8% | $1M | — | $39M |
| 2018 | $2M | $5M | 0.0% | 0.0% | 9.6% | 0.8% | $6M | — | $50M |
| 2017 | $2M | $3M | 0.0% | 0.0% | 5.7% | 0.5% | $5M | — | $37M |
| 2016 | — | $3M | — | — | 6.6% | 0.6% | $1M | — | — |
| 2015 | — | $4M | — | — | 7.7% | 0.7% | — | — | — |
| 2014 | — | $3M | — | — | 9.8% | 0.7% | — | — | — |
| 2013 | — | $3M | — | — | 10.3% | 0.7% | — | — | — |
| 2012 | — | $2M | — | — | 7.2% | 0.5% | $5M | — | — |
| 2011 | — | $600000 | — | — | 2.2% | 0.1% | $6M | — | — |
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | $1M | $3M | 0.0% | 0.0% | 3.9% | 0.3% | $332000 | — | $36M |
| Mar '26 | $994000 | $3M | 0.0% | 0.0% | 3.4% | 0.3% | $4M | — | $88M |
| Dec '25 | $1M | $3M | 0.0% | 0.0% | 3.4% | 0.3% | $1M | — | $84M |
| Sep '25 | $1M | $3M | 0.0% | 0.0% | 3.6% | 0.3% | $5M | — | $85M |
| Jun '25 | $975000 | $3M | 0.0% | 0.0% | 3.8% | 0.3% | $4M | — | $78M |
| Mar '25 | $981000 | $842000 | 0.0% | 0.0% | 1.2% | 0.1% | $141000 | — | $95M |
| Dec '24 | $1M | $2M | 0.0% | 0.0% | 2.5% | 0.2% | $2M | — | $73M |
| Sep '24 | $991000 | $2M | 0.0% | 0.0% | 2.9% | 0.2% | $3M | — | $109M |
| Jun '24 | $986000 | $2M | 0.0% | 0.0% | 3.5% | 0.2% | $3M | — | $75M |
| Mar '24 | $953000 | $2M | 0.0% | 0.0% | 3.6% | 0.2% | -$2M | — | $88M |
| Dec '23 | $959000 | $2M | 0.0% | 0.0% | 3.5% | 0.2% | $3M | — | $75M |
| Sep '23 | $1M | $2M | 0.0% | 0.0% | 4.1% | 0.2% | $2M | — | $100M |
| Jun '23 | $955000 | $3M | 0.0% | 0.0% | 4.8% | 0.3% | -$2M | — | $74M |
| Mar '23 | $983000 | $2M | 0.0% | 0.0% | 3.8% | 0.2% | $5M | — | $65M |
| Dec '22 | $1M | $2M | 0.0% | 0.0% | 3.9% | 0.2% | $4M | — | $62M |
| Sep '22 | $1M | $3M | 0.0% | 0.0% | 5.3% | 0.3% | $4M | — | $81M |
| Jun '22 | $658000 | $2M | 0.0% | 0.0% | 4.3% | 0.2% | $4M | — | $75M |
| Mar '22 | $592000 | $2M | 0.0% | 0.0% | 3.5% | 0.2% | -$3M | — | $97M |
| Dec '21 | $693000 | $2M | 0.0% | 0.0% | 2.7% | 0.2% | $6M | — | $183M |
| Sep '21 | $612000 | $2M | 0.0% | 0.0% | 2.7% | 0.2% | $430000 | — | $147M |
How the market has priced BOTJ against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
Over the past 5 years, BANK OF THE JAMES FINANCIAL GROUP INC's revenue has grown 16.0% per year, and net income grown 12.6% per year. These are computed facts, not advice.
As of FY2025, BANK OF THE JAMES FINANCIAL GROUP INC reported — of total debt against $84M of cash.
In FY2025, gross margin was —, operating margin —, and net margin 211.1%.
As of Sep '26, BANK OF THE JAMES FINANCIAL GROUP INC traded at a price-to-earnings ratio of about 13.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.