US Stock MarketDetailed Quotes

Bank of the James Financial (BOTJ)

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22.750
-0.110-0.48%

Close May 19 16:00 ET

103.36MMarket Cap9.44P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Bank of the James Financial (BOTJ) Balance Sheet

Quarterly+Annual

YOY

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(Q1)Mar 31, 2026

(FY)Dec 31, 2025

(Q4)Dec 31, 2025

(Q3)Sep 30, 2025

(Q2)Jun 30, 2025

(Q1)Mar 31, 2025

(FY)Dec 31, 2024

(Q4)Dec 31, 2024

(Q3)Sep 30, 2024

(Q2)Jun 30, 2024

Assets

Cash cash equivalents and federal funds sold

-7.20%89.82M

14.87%86.3M

-21.39%87.28M

4.64%79.74M

8.01%96.79M

-1.64%75.13M

9.85%111.03M

1.75%76.2M

-Cash and cash equivalents

-2.57%25.1M

22.55%28.54M

25.37%28.45M

0.27%22.59M

1.31%25.76M

-9.08%23.29M

12.87%22.69M

0.61%22.53M

-Money market investments

-9.12%62.89M

11.82%55.94M

-34.11%57M

6.18%55.32M

10.48%69.21M

1.62%50.02M

8.93%86.52M

1.88%52.1M

-Restricted cash and investments

0.38%1.83M

16.43%1.83M

18.17%1.82M

15.70%1.57M

Receivables

7.74%3.2M

10.28%3.38M

11.27%3M

7.81%3.15M

1.16%2.97M

8.11%3.07M

-0.37%2.7M

15.64%2.92M

-Accounts receivable

7.74%3.2M

10.28%3.38M

11.27%3M

7.81%3.15M

1.16%2.97M

8.11%3.07M

-0.37%2.7M

15.64%2.92M

Net loan

0.75%652.01M

3.85%664.83M

4.24%657.05M

5.22%653.32M

6.83%647.13M

6.13%640.17M

4.55%630.35M

0.70%620.92M

-Gross loan

0.62%658.21M

3.72%671.28M

4.07%663.35M

5.06%659.62M

6.77%654.15M

6.00%647.21M

4.46%637.43M

0.59%627.87M

-Allowance for loans and lease losses

-11.68%6.2M

-8.43%6.45M

-11.02%6.3M

-9.25%6.31M

1.46%7.02M

-4.96%7.04M

-3.31%7.08M

-8.37%6.95M

Securities and investments

26.43%248.29M

13.68%217.72M

5.11%206.1M

-4.58%200.18M

-10.10%196.38M

-13.00%191.52M

5.64%196.08M

10.27%209.79M

-Available for sale securities

27.87%239.54M

22.26%210.94M

--200.02M

--193.1M

--187.33M

--172.53M

----

-Held to maturity securities

-0.44%3.59M

-0.44%3.6M

-0.44%3.61M

-Short term investments

-5.36%5.16M

-98.30%3.19M

-98.71%2.49M

-98.31%3.48M

-97.46%5.45M

-13.21%187.92M

5.77%192.47M

10.48%206.18M

Bank owned life insurance

3.43%23.89M

3.36%23.68M

3.36%23.48M

3.36%23.29M

3.36%23.1M

6.12%22.91M

5.94%22.72M

5.75%22.53M

Net PPE

-0.47%19.17M

-0.94%19.13M

-2.81%18.83M

5.55%19.04M

5.37%19.26M

6.46%19.31M

5.48%19.38M

2.74%18.04M

-Gross PPE

----

2.89%37.16M

----

7.37%36.12M

----

-Accumulated depreciation

----

-7.28%-18.03M

----

-8.43%-16.8M

----

Goodwill and other intangible assets

-6.49%8.08M

-6.39%8.22M

-6.28%8.36M

-6.18%8.5M

-6.09%8.64M

-6.00%8.78M

-5.91%8.92M

-4.90%9.06M

-Goodwill

0.00%2.05M

-Other intangible assets

-8.52%6.02M

-8.34%6.16M

-8.16%6.31M

-7.99%6.45M

-7.84%6.59M

-7.69%6.73M

-7.54%6.87M

-6.25%7.01M

Other assets

-4.16%16.74M

-14.12%15.77M

-5.19%16.02M

-50.09%9.26M

-4.69%17.47M

3.26%18.36M

-12.48%16.9M

4.44%18.55M

Total assets

4.89%1.06B

6.10%1.04B

1.20%1.02B

2.68%1B

2.72%1.01B

1.02%979.24M

4.91%1.01B

2.85%978.01M

Liabilities

Total deposits

4.92%956.55M

6.20%937.13M

1.34%919.8M

2.90%910.53M

2.04%911.68M

0.45%882.4M

3.11%907.61M

2.05%884.9M

Payables

63.52%1.13M

61.63%1.17M

70.45%1.29M

110.85%1.17M

31.80%688K

50.42%722K

98.95%758K

105.58%553K

-Accounts payable

63.52%1.13M

61.63%1.17M

70.45%1.29M

54.79%856K

31.80%688K

50.42%722K

98.95%758K

105.58%553K

-Total tax payable

----

--310K

----

Long term debt and capital lease obligation

-54.52%8.73M

-54.54%8.8M

-54.66%8.84M

-54.21%8.99M

-2.98%19.2M

-2.93%19.35M

-2.89%19.49M

-2.84%19.64M

-Long term debt

-54.52%8.73M

-54.54%8.8M

-54.66%8.84M

-54.21%8.99M

-2.98%19.2M

-2.93%19.35M

-2.89%19.49M

-2.84%19.64M

Other liabilities

14.28%13.5M

-0.18%11.88M

16.34%13.23M

6.06%11.89M

10.88%11.81M

13.80%11.91M

12.55%11.37M

5.87%11.21M

Total liabilities

3.87%979.91M

4.88%958.98M

0.42%943.15M

1.78%932.58M

2.05%943.38M

0.56%914.38M

3.13%939.23M

2.02%916.31M

Shareholders'equity

Share capital

0.00%9.72M

-common stock

0.00%9.72M

-Preferred stock

----

--0

Paid-in capital

0.00%35.25M

Retained earnings

21.15%52.33M

16.83%50.01M

14.65%47.74M

13.31%45.44M

12.44%43.19M

16.70%42.8M

19.21%41.64M

20.72%40.1M

Gains losses not affecting retained earnings

19.17%-16.02M

34.82%-14.94M

11.47%-15.74M

19.77%-18.75M

13.65%-19.82M

-6.01%-22.92M

40.28%-17.78M

8.21%-23.37M

Total stockholders'equity

18.93%81.28M

23.41%80.05M

11.82%76.97M

16.14%71.67M

13.09%68.35M

8.04%64.87M

37.31%68.83M

17.02%61.71M

Total equity

18.93%81.28M

23.41%80.05M

11.82%76.97M

16.14%71.67M

13.09%68.35M

8.04%64.87M

37.31%68.83M

17.02%61.71M

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion with Explanatory Notes

	(Q1)Mar 31, 2026	(FY)Dec 31, 2025	(Q4)Dec 31, 2025	(Q3)Sep 30, 2025	(Q2)Jun 30, 2025	(Q1)Mar 31, 2025	(FY)Dec 31, 2024	(Q4)Dec 31, 2024	(Q3)Sep 30, 2024	(Q2)Jun 30, 2024
Assets
Cash cash equivalents and federal funds sold	-7.20%89.82M	14.87%86.3M	14.87%86.3M	-21.39%87.28M	4.64%79.74M	8.01%96.79M	-1.64%75.13M	-1.64%75.13M	9.85%111.03M	1.75%76.2M
-Cash and cash equivalents	-2.57%25.1M	22.55%28.54M	22.55%28.54M	25.37%28.45M	0.27%22.59M	1.31%25.76M	-9.08%23.29M	-9.08%23.29M	12.87%22.69M	0.61%22.53M
-Money market investments	-9.12%62.89M	11.82%55.94M	11.82%55.94M	-34.11%57M	6.18%55.32M	10.48%69.21M	1.62%50.02M	1.62%50.02M	8.93%86.52M	1.88%52.1M
-Restricted cash and investments	0.38%1.83M	0.38%1.83M	0.38%1.83M	0.38%1.83M	16.43%1.83M	18.17%1.82M	18.17%1.82M	18.17%1.82M	18.17%1.82M	15.70%1.57M
Receivables	7.74%3.2M	10.28%3.38M	10.28%3.38M	11.27%3M	7.81%3.15M	1.16%2.97M	8.11%3.07M	8.11%3.07M	-0.37%2.7M	15.64%2.92M
-Accounts receivable	7.74%3.2M	10.28%3.38M	10.28%3.38M	11.27%3M	7.81%3.15M	1.16%2.97M	8.11%3.07M	8.11%3.07M	-0.37%2.7M	15.64%2.92M
Net loan	0.75%652.01M	3.85%664.83M	3.85%664.83M	4.24%657.05M	5.22%653.32M	6.83%647.13M	6.13%640.17M	6.13%640.17M	4.55%630.35M	0.70%620.92M
-Gross loan	0.62%658.21M	3.72%671.28M	3.72%671.28M	4.07%663.35M	5.06%659.62M	6.77%654.15M	6.00%647.21M	6.00%647.21M	4.46%637.43M	0.59%627.87M
-Allowance for loans and lease losses	-11.68%6.2M	-8.43%6.45M	-8.43%6.45M	-11.02%6.3M	-9.25%6.31M	1.46%7.02M	-4.96%7.04M	-4.96%7.04M	-3.31%7.08M	-8.37%6.95M
Securities and investments	26.43%248.29M	13.68%217.72M	13.68%217.72M	5.11%206.1M	-4.58%200.18M	-10.10%196.38M	-13.00%191.52M	-13.00%191.52M	5.64%196.08M	10.27%209.79M
-Available for sale securities	27.87%239.54M	22.26%210.94M	22.26%210.94M	--200.02M	--193.1M	--187.33M	--172.53M	--172.53M	----	----
-Held to maturity securities	-0.44%3.59M	-0.44%3.59M	-0.44%3.59M	-0.44%3.59M	-0.44%3.6M	-0.44%3.6M	-0.44%3.61M	-0.44%3.61M	-0.44%3.61M	-0.44%3.61M
-Short term investments	-5.36%5.16M	-98.30%3.19M	-98.30%3.19M	-98.71%2.49M	-98.31%3.48M	-97.46%5.45M	-13.21%187.92M	-13.21%187.92M	5.77%192.47M	10.48%206.18M
Bank owned life insurance	3.43%23.89M	3.36%23.68M	3.36%23.68M	3.36%23.48M	3.36%23.29M	3.36%23.1M	6.12%22.91M	6.12%22.91M	5.94%22.72M	5.75%22.53M
Net PPE	-0.47%19.17M	-0.94%19.13M	-0.94%19.13M	-2.81%18.83M	5.55%19.04M	5.37%19.26M	6.46%19.31M	6.46%19.31M	5.48%19.38M	2.74%18.04M
-Gross PPE	----	2.89%37.16M	2.89%37.16M	----	----	----	7.37%36.12M	7.37%36.12M	----	----
-Accumulated depreciation	----	-7.28%-18.03M	-7.28%-18.03M	----	----	----	-8.43%-16.8M	-8.43%-16.8M	----	----
Goodwill and other intangible assets	-6.49%8.08M	-6.39%8.22M	-6.39%8.22M	-6.28%8.36M	-6.18%8.5M	-6.09%8.64M	-6.00%8.78M	-6.00%8.78M	-5.91%8.92M	-4.90%9.06M
-Goodwill	0.00%2.05M	0.00%2.05M	0.00%2.05M	0.00%2.05M	0.00%2.05M	0.00%2.05M	0.00%2.05M	0.00%2.05M	0.00%2.05M	0.00%2.05M
-Other intangible assets	-8.52%6.02M	-8.34%6.16M	-8.34%6.16M	-8.16%6.31M	-7.99%6.45M	-7.84%6.59M	-7.69%6.73M	-7.69%6.73M	-7.54%6.87M	-6.25%7.01M
Other assets	-4.16%16.74M	-14.12%15.77M	-14.12%15.77M	-5.19%16.02M	-50.09%9.26M	-4.69%17.47M	3.26%18.36M	3.26%18.36M	-12.48%16.9M	4.44%18.55M
Total assets	4.89%1.06B	6.10%1.04B	6.10%1.04B	1.20%1.02B	2.68%1B	2.72%1.01B	1.02%979.24M	1.02%979.24M	4.91%1.01B	2.85%978.01M
Liabilities
Total deposits	4.92%956.55M	6.20%937.13M	6.20%937.13M	1.34%919.8M	2.90%910.53M	2.04%911.68M	0.45%882.4M	0.45%882.4M	3.11%907.61M	2.05%884.9M
Payables	63.52%1.13M	61.63%1.17M	61.63%1.17M	70.45%1.29M	110.85%1.17M	31.80%688K	50.42%722K	50.42%722K	98.95%758K	105.58%553K
-Accounts payable	63.52%1.13M	61.63%1.17M	61.63%1.17M	70.45%1.29M	54.79%856K	31.80%688K	50.42%722K	50.42%722K	98.95%758K	105.58%553K
-Total tax payable	----	----	----	----	--310K	----	----	----	----	----
Long term debt and capital lease obligation	-54.52%8.73M	-54.54%8.8M	-54.54%8.8M	-54.66%8.84M	-54.21%8.99M	-2.98%19.2M	-2.93%19.35M	-2.93%19.35M	-2.89%19.49M	-2.84%19.64M
-Long term debt	-54.52%8.73M	-54.54%8.8M	-54.54%8.8M	-54.66%8.84M	-54.21%8.99M	-2.98%19.2M	-2.93%19.35M	-2.93%19.35M	-2.89%19.49M	-2.84%19.64M
Other liabilities	14.28%13.5M	-0.18%11.88M	-0.18%11.88M	16.34%13.23M	6.06%11.89M	10.88%11.81M	13.80%11.91M	13.80%11.91M	12.55%11.37M	5.87%11.21M
Total liabilities	3.87%979.91M	4.88%958.98M	4.88%958.98M	0.42%943.15M	1.78%932.58M	2.05%943.38M	0.56%914.38M	0.56%914.38M	3.13%939.23M	2.02%916.31M
Shareholders'equity
Share capital	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M
-common stock	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M	0.00%9.72M
-Preferred stock	----	----	----	----	----	--0	--0	--0	--0	--0
Paid-in capital	0.00%35.25M	0.00%35.25M	0.00%35.25M	0.00%35.25M	0.00%35.25M	0.00%35.25M	0.00%35.25M	0.00%35.25M	0.00%35.25M	0.00%35.25M
Retained earnings	21.15%52.33M	16.83%50.01M	16.83%50.01M	14.65%47.74M	13.31%45.44M	12.44%43.19M	16.70%42.8M	16.70%42.8M	19.21%41.64M	20.72%40.1M
Gains losses not affecting retained earnings	19.17%-16.02M	34.82%-14.94M	34.82%-14.94M	11.47%-15.74M	19.77%-18.75M	13.65%-19.82M	-6.01%-22.92M	-6.01%-22.92M	40.28%-17.78M	8.21%-23.37M
Total stockholders'equity	18.93%81.28M	23.41%80.05M	23.41%80.05M	11.82%76.97M	16.14%71.67M	13.09%68.35M	8.04%64.87M	8.04%64.87M	37.31%68.83M	17.02%61.71M
Total equity	18.93%81.28M	23.41%80.05M	23.41%80.05M	11.82%76.97M	16.14%71.67M	13.09%68.35M	8.04%64.87M	8.04%64.87M	37.31%68.83M	17.02%61.71M
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	--	Unqualified Opinion with Explanatory Notes	--	--	--	--	Unqualified Opinion with Explanatory Notes	--	--	--

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