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Complete financial analysis of Bank of the James Financial Group, Inc. (BOTJ) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Bank of the James Financial Group, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Bank of the James Financial Group, Inc. (BOTJ)
About Bank of the James Financial Group, Inc.
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the Unites States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it provides other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. It operates through a network of 16 full-service offices, 2 limited-service offices, and 1 residential mortgage loan production office. The company was founded in 1998 and is headquartered in Lynchburg, Virginia.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 39.36M | 42.02M | 37.19M | 35.01M | 31.09M | 27.88M | 24.93M | 23.59M | 21.80M | 19.99M | 19.47M | 19.36M | 19.01M | 18.72M | 14.29M | 11.53M | 12.63M | 11.31M | 10.34M | 8.75M | 7.11M | 5.35M | 3.31M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 301.00K | 220.00K | 9.92M | 9.47M | 8.82M | 8.81M | 7.39M | 7.02M | 6.30M | 5.57M | 4.55M | 3.71M | 0.00 | 0.00 | 0.00 |
| Gross Profit | 39.36M | 42.02M | 37.19M | 35.01M | 31.09M | 27.88M | 24.93M | 23.59M | 21.50M | 19.77M | 9.55M | 9.89M | 10.19M | 9.91M | 6.89M | 4.51M | 6.34M | 5.74M | 5.79M | 5.04M | 7.11M | 5.35M | 3.31M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 98.62% | 98.90% | 49.07% | 51.08% | 53.61% | 52.95% | 48.25% | 39.12% | 50.15% | 50.73% | 56.03% | 57.63% | 100.00% | 100.00% | 100.00% |
| Research & Development | 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 19.26M | 18.18M | 17.40M | 16.25M | 13.92M | 12.23M | 10.91M | 10.07M | 9.48M | 8.59M | 14.58M | 7.49M | 6.95M | 8.28M | 6.19M | 5.29M | 4.76M | 4.13M | 3.25M | 2.58M | 1.80M | 1.45M | 1.02M |
| Selling & Marketing | 919.00K | 920.00K | 934.00K | 667.00K | 866.00K | 611.00K | 739.00K | 686.00K | 465.00K | 472.00K | 367.00K | 382.00K | 333.00K | 274.00K | 290.00K | 387.00K | 375.00K | 329.00K | 279.00K | 231.00K | 204.33K | 157.15K | 122.00K |
| SG&A | 29.29M | 19.10M | 18.33M | 16.91M | 14.78M | 12.84M | 11.65M | 10.76M | 9.94M | 9.06M | 14.58M | 7.88M | 7.28M | 8.56M | 6.48M | 5.68M | 5.13M | 4.46M | 3.52M | 2.81M | 2.00M | 1.61M | 1.14M |
| Other Expenses | 0.00 | -10.47M | -46.06M | -45.74M | -38.93M | -30.29M | -28.23M | -5.70M | -4.97M | -25.25M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -4.69M | -3.18M | -1.70M |
| Operating Expenses | 29.29M | 920.00K | -27.73M | -28.83M | -24.15M | -17.46M | -16.58M | 686.00K | 465.00K | -16.18M | 367.00K | 382.00K | 333.00K | 274.00K | 290.00K | 387.00K | 375.00K | 329.00K | 279.00K | 231.00K | -2.69M | -1.57M | -564.04K |
| Cost & Expenses | 29.29M | 920.00K | -27.73M | -28.83M | -24.15M | -17.46M | -16.58M | 686.00K | 766.00K | -15.96M | 10.28M | 9.85M | 9.15M | 9.08M | 7.68M | 7.41M | 6.67M | 5.90M | 4.83M | 3.94M | -2.69M | -1.57M | -564.04K |
| Interest Income | 39.28M | 31.79M | 29.11M | 29.61M | 29.72M | 26.90M | 23.59M | 21.50M | 20.30M | 18.73M | 18.43M | 18.75M | 19.52M | 21.54M | 20.54M | 18.59M | 17.72M | 14.68M | 12.03M | 9.43M | 7.75M | 6.52M | 4.76M |
| Interest Expense | 9.62M | 2.15M | 2.10M | 4.54M | 5.26M | 3.80M | 2.99M | 2.34M | 2.69M | 2.33M | 2.44M | 3.02M | 4.19M | 6.39M | 9.25M | 8.02M | 7.84M | 5.68M | 3.78M | 2.51M | 2.27M | 2.55M | 2.26M |
| Depreciation & Amortization | 1.97M | 2.61M | 2.06M | 2.03M | 1.67M | 930.00K | 811.00K | 767.00K | 767.00K | 756.00K | 720.00K | 681.00K | 715.00K | 813.00K | 867.00K | 1.55M | 700.00K | 700.00K | 703.00K | 773.00K | 393.09K | 326.12K | 256.68K |
| EBITDA | 12.25M | 13.72M | 11.51M | 8.21M | 8.60M | 7.56M | 6.17M | 5.58M | 6.11M | 5.46M | 4.82M | 3.36M | 1.94M | 3.99M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.00M | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 31.11% | 32.89% | 30.95% | 23.45% | 27.66% | 40.73% | 36.76% | 33.58% | 40.36% | 38.93% | 37.30% | 32.92% | 28.48% | 51.47% | 61.47% | 77.46% | 92.60% | 80.73% | 69.56% | 63.00% | 67.72% | 76.84% | 90.71% |
| Operating Income | 10.28M | 13.26M | 9.45M | 6.18M | 6.93M | 10.43M | 8.35M | 7.16M | 8.03M | 3.59M | 3.48M | 3.62M | 3.68M | 3.52M | 2.96M | 954.00K | 2.75M | 2.31M | 2.09M | 5.49M | 4.42M | 3.79M | 2.75M |
| Operating Income Ratio | 26.11% | 31.55% | 25.42% | 17.65% | 22.31% | 37.39% | 33.50% | 30.33% | 36.85% | 17.94% | 17.87% | 18.69% | 19.36% | 18.79% | 20.70% | 8.27% | 21.78% | 20.46% | 20.22% | 62.77% | 62.19% | 70.75% | 82.96% |
| Total Other Income/Expenses | 0.00 | -4.19M | -3.26M | -3.84M | -2.53M | -2.28M | -1.97M | -1.87M | -1.76M | -1.50M | -2.15M | -1.38M | -3.17M | -1.08M | -4.30M | -1.59M | 410.00K | 433.00K | 620.00K | -3.26M | -2.27M | -2.55M | -2.26M |
| Income Before Tax | 10.28M | 11.11M | 9.45M | 6.18M | 6.93M | 6.63M | 5.36M | 4.81M | 5.34M | 4.70M | 4.10M | 2.68M | 507.00K | 2.43M | -1.34M | -638.00K | 3.16M | 2.75M | 2.71M | 2.23M | 2.15M | 1.23M | 485.79K |
| Income Before Tax Ratio | 26.11% | 26.44% | 25.42% | 17.65% | 22.31% | 23.78% | 21.50% | 20.40% | 24.50% | 23.52% | 21.07% | 13.82% | 2.67% | 13.00% | -9.36% | -5.53% | 25.03% | 24.29% | 26.22% | 25.48% | 30.29% | 23.06% | 14.68% |
| Income Tax Expense | 1.58M | 2.15M | 1.86M | 1.20M | 1.33M | 1.33M | 2.44M | 1.53M | 1.65M | 1.29M | 1.04M | 543.00K | -93.00K | 614.00K | -695.00K | -862.00K | 1.08M | 982.00K | 920.00K | 758.00K | 738.01K | 419.46K | -143.54K |
| Net Income | 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 | -642.00K | 224.00K | 2.08M | 1.77M | 1.79M | 1.47M | 1.42M | 814.30K | 629.33K |
| Net Income Ratio | 22.11% | 21.32% | 20.41% | 14.22% | 18.03% | 19.02% | 11.72% | 13.93% | 16.93% | 17.07% | 15.72% | 11.02% | 3.16% | 9.72% | -4.49% | 1.94% | 16.50% | 15.61% | 17.32% | 16.82% | 19.92% | 15.22% | 19.02% |
| EPS | 1.91 | 1.91 | 1.60 | 1.04 | 1.16 | 1.10 | 0.61 | 0.68 | 0.97 | 0.92 | 0.83 | 0.58 | 0.16 | 0.50 | -0.18 | 0.07 | 0.59 | 0.52 | 0.47 | 0.27 | 0.48 | 0.27 | 0.08 |
| EPS Diluted | 1.91 | 1.91 | 1.60 | 1.04 | 1.16 | 1.10 | 0.61 | 0.68 | 0.97 | 0.92 | 0.83 | 0.58 | 0.16 | 0.50 | -0.18 | 0.06 | 0.56 | 0.49 | 0.45 | 0.26 | 0.46 | 0.27 | 0.08 |
| Weighted Avg Shares Out | 4.56M | 4.70M | 4.75M | 4.78M | 4.81M | 4.82M | 4.82M | 4.82M | 3.80M | 3.70M | 3.69M | 3.68M | 3.66M | 3.63M | 3.58M | 3.57M | 3.55M | 3.39M | 3.82M | 2.95M | 2.97M | 2.97M | 7.40M |
| Weighted Avg Shares Out (Dil) | 4.56M | 4.70M | 4.75M | 4.78M | 4.82M | 4.82M | 4.82M | 4.82M | 3.80M | 3.70M | 3.69M | 3.68M | 3.66M | 3.66M | 3.58M | 3.66M | 3.73M | 3.62M | 3.82M | 3.01M | 3.05M | 3.04M | 7.40M |
Bank of the James Announces Third Quarter, First Nine Months of 2024 Financial Results and Declaration of Dividend
Bank of the James Announces Second Quarter, First Half of 2024 Financial Results and Declaration of Dividend
Bank of the James Announces First Quarter of 2024 Financial Results and Declaration of Dividend
21 Upcoming Dividend Increases Including 2 Kings
Bank of the James Announces Fourth Quarter, Full Year of 2023 Financial Results and Declaration of Increased Dividend
Bank of the James Financial Group, Inc. Announces Quarterly Dividend; Increases Quarterly Dividend by 25%
Bank of the James Announces Third Quarter, Nine Months of 2023 Financial Results and Declaration of Dividend
Bank of the James Announces Second Quarter, First Half of 2023 Financial Results and Declaration of Dividend
Bank of the James Financial Group Announces Promotion of Michael A. Syrek to President of Bank of the James
Bank of the James Announces Second Quarter, First Half 2021 Financial Results and Declaration of Dividend
Source: https://incomestatements.info
Category: Stock Reports