Bank of the James Financial Group, Inc. (BOTJ) Income Statement Analysis

See more : AngloGold Ashanti Limited (AU) Income Statement Analysis – Financial Results

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)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.bankofthejames.bank

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 Fourth Quarter, Full Year 2020 Financial Results and Declaration of Dividend

January 22, 2021globenewswire.com

Preserving Asset Quality, Maintaining Safe Operations, Strong Residential Mortgage Activity Preserving Asset Quality, Maintaining Safe Operations, Strong Residential Mortgage Activity

Critical Contrast: Bank of the James Financial Group (NASDAQ:BOTJ) vs. DSA FINL CORP/SH (NASDAQ:DSFN)

July 3, 2020thelincolnianonline.com

Bank of the James Financial Group (NASDAQ:BOTJ) and DSA FINL CORP/SH (OTCMKTS:DSFN) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, valuation, institutional ownership, analyst...