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Bank of The Jame Fnl (BOTJ)

Bank of The Jame Fnl (BOTJ)
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Financial Summary for [[ item.sessionDateDisplayLong ]]
Bank of the James Financial Group, Inc. operates as the holding company for Bank of the James, which provides retail and commercial banking services in the central Virginia. The company offers various deposit services, including checking accounts, savings accounts, individual retirement accounts, and various time deposits. It originates commercial business lending loans for purchase of equipment, facilities' upgrades, inventory acquisition, and working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; consumer residential mortgage loans; and various secured and unsecured consumer loans. The company's market area consists of seven jurisdictions of the Town of Altavista, Amherst County, Appomattox County, the City of Bedford, Bedford County, Campbell County, and the City of Lynchburg. The company, through its other subsidiary, BOTJ Investment Group, Inc., offers brokerage and investment services, including fixed and variable annuity products.

Fiscal Year End Date: 12/31

(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Sales 15,940 15,710 14,520 15,450 15,390
Sales Growth +1.46% +8.20% -6.02% +0.39% +1.72%
Net Income 2,750 2,700 840 1,620 1,990
Net Income Growth +1.85% +221.43% -48.15% -18.59% -7.44%
(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Total Assets 1,020,130 1,004,240 1,011,730 979,240 1,008,060
Total Assets Growth +1.58% -0.74% +3.32% -2.86% +3.07%
Total Liabilities 943,150 932,580 943,380 914,380 939,230
Total Liabilities Growth +1.13% -1.14% +3.17% -2.65% +2.50%
(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Operating Cash Flow 9,690 4,420 760 8,510 6,620
Operating Cash Flow Growth +119.23% +481.58% -91.07% +28.55% +301.21%
Net Cash Flow 12,140 4,600 21,660 -1,530 34,370
Change in Net Cash Flow +163.91% -78.76% +1,515.69% -104.45% +16,466.74%
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