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Bank of the James Financial Group Income Statement 2025-2009 | BOTJ
Brief overview of financial performance at Bank of the James Financial Group
The figures are compared over a five-year interval. Revenue at Bank of the James Financial Group moved from $35 million in 2020 to $4.3 million in 2025. The total change was −87.8%, with a CAGR of approximately −34.3%. The business finished the period with a smaller revenue base.
The five-year change in net income was +81.2%: from $5 million to $9 million. Net profit ended the five years at a local peak.
Market capitalization changed from $58.9 million to $93.6 million (+58.8%). Investors assigned a higher value to the business over time.
What the figures show
The five-year picture requires weighing both strengths and weaknesses. Key strengths include improving net profitability. The main areas of concern are a softer top-line trend. Further direction will depend on top-line growth, operating profitability, and net income.
Annual Income Statement Bank of the James Financial Group
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap |
93.6 M | 93.6 M | 47.9 M | 51.7 M | 71.8 M | 58.9 M | 65.2 M | 62.5 M | 65.5 M | 66.8 M | 41.1 M | 36.5 M | 30 M | 25.9 M | 16.6 M | 23.3 M | - |
Shares |
4.54 M | 4.54 M | 4.56 M | 4.7 M | 4.75 M | 4.77 M | 4.81 M | 4.82 M | 4.82 M | 4.82 M | 3.8 M | 3.7 M | 3.69 M | 3.68 M | 3.66 M | 3.32 M | - |
Historical Prices |
20.6 | 20.6 | 10.5 | 11 | 15.1 | 12.2 | 13 | 12.2 | 12.6 | 12.7 | 9.71 | 8.69 | 7.17 | 6.26 | 3.89 | 7.02 | 7.87 |
Net Income |
9.02 M | 7.94 M | 8.7 M | 8.96 M | 7.59 M | 4.98 M | 5.6 M | 5.3 M | 2.92 M | 3.29 M | 3.69 M | 3.41 M | 3.06 M | 2.13 M | 600 K | 1.82 M | - |
Revenue |
4.27 M | 4 M | 3.9 M | 3.59 M | 2.5 M | 35 M | 31.1 M | 27.9 M | 24.9 M | 23.6 M | 21.5 M | 19.8 M | 19.2 M | 19.1 M | 19 M | - | - |
Cost of Revenue |
21 M | 19.3 M | 18.3 M | 17.7 M | 16.4 M | 15.4 M | 13.1 M | 11.3 M | 10 M | 9.23 M | 8.73 M | 7.94 M | 7.16 M | 6.53 M | 5.67 M | 6.69 M | - |
Gross Profit |
- | - | - | - | - | 29.7 M | - | - | - | - | - | - | - | - | - | - | - |
Interest Expense |
32.8 M | 29.2 M | 9.62 M | 2.15 M | 2.1 M | 4.54 M | 5.26 M | 3.8 M | 2.99 M | 2.34 M | 2.69 M | 2.32 M | 2.44 M | 3.02 M | 4.19 M | 6.39 M | - |
EBITDA |
1.33 M | 1.38 M | 1.41 M | 2.05 M | 2.06 M | 31 M | - | - | - | - | - | - | - | - | - | 813 K | - |
Operating Expenses |
- | - | - | - | - | 667 K | 30 M | 26 M | 23 M | 22 M | 19 M | 18 M | 18 M | 20 M | 23 M | - | - |
General and Administrative Expenses |
- | - | - | - | - | 16.2 M | 13.9 M | 12.2 M | 10.9 M | 10.1 M | 9.48 M | 8.59 M | 8.1 M | 7.49 M | 6.95 M | - | - |
All numbers in USD currency
Quarterly Income Statement Bank of the James Financial Group
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Shares |
4.54 M | 4.54 M | - | 4.54 M | 4.54 M | 4.54 M | 4.54 M | 4.54 M | 4.54 M | 4.54 M | 4.54 M | 4.54 M | 4.55 M | 4.62 M | 4.63 M | 4.68 M | 4.74 M | 4.74 M | 4.74 M | 4.74 M | 4.75 M | 4.77 M | 4.34 M | 4.34 M | 4.34 M | 4.35 M | 4.36 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 4.38 M | 3.37 M | 3.37 M | 3.37 M | 3.37 M | 3.36 M | 3.36 M | 3.36 M | 3.36 M | 3.35 M | 3.35 M | 3.35 M | 3.35 M | 3.34 M | 3.34 M | 3.34 M | 3.34 M | 3.32 M | 3.32 M | 3.32 M |
Net Income |
842 K | 2.77 M | - | 2.75 M | 2.7 M | 842 K | - | 1.99 M | 2.15 M | 2.19 M | - | 2.08 M | 2.53 M | 1.98 M | - | 2.57 M | 2.29 M | 2.14 M | - | 1.88 M | 2.01 M | 1.84 M | - | 1.45 M | 821 K | 995 K | - | 1.47 M | 1.38 M | 1.23 M | - | 1.4 M | 1.3 M | 1.12 M | - | 1.02 M | 787 K | 760 K | - | 1.06 M | 1.05 M | 887 K | - | 983 K | 957 K | 927 K | - | 914 K | 843 K | 705 K | - | 813 K | 797 K | 788 K | - | 539 K | 486 K | 360 K | - | 64 K | 319 K | 600 K |
Revenue |
975 K | 994 K | - | 1.05 M | 975 K | 981 K | - | 991 K | 986 K | 953 K | - | 1 M | 955 K | 983 K | - | 1.31 M | 658 K | 592 K | - | 612 K | 637 K | 554 K | - | 498 K | 514 K | 488 K | - | 448 K | 461 K | 439 K | - | 446 K | 465 K | 464 K | - | 479 K | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cost of Revenue |
5.36 M | 5.5 M | - | 5.52 M | 5.36 M | 4.78 M | - | 4.92 M | 4.89 M | 4.44 M | - | 4.68 M | 4.34 M | 4.27 M | - | 4.53 M | 4.53 M | 3.99 M | - | 4.09 M | 4.08 M | 3.73 M | - | 3.71 M | 3.97 M | 3.35 M | - | 3.36 M | 3.15 M | 2.93 M | - | 2.85 M | 2.83 M | 2.71 M | - | 2.54 M | 2.4 M | 2.38 M | - | 2.32 M | 2.16 M | 2.24 M | - | 2.14 M | 2.13 M | 2.08 M | - | 1.98 M | 1.9 M | 1.88 M | - | 1.76 M | 1.73 M | 1.78 M | - | 1.61 M | 1.55 M | 1.5 M | - | 1.46 M | 1.39 M | 1.43 M |
Interest Expense |
8.25 M | 8.73 M | - | 8.3 M | 8.25 M | 7.72 M | - | 7.51 M | 7.09 M | 6.95 M | - | 7.36 M | 7.34 M | 1.46 M | - | 499 K | 474 K | 525 K | - | 493 K | 524 K | 617 K | - | 1.14 M | 1.16 M | 1.35 M | - | 1.43 M | 1.24 M | 1.1 M | - | 990 K | 922 K | 824 K | - | 786 K | 711 K | 671 K | - | 610 K | 550 K | 548 K | - | 704 K | 667 K | 630 K | - | 577 K | 587 K | 591 K | - | 606 K | 610 K | 616 K | - | 736 K | 809 K | 820 K | - | 990 K | 1.09 M | 1.24 M |
EBITDA |
140 K | 346 K | - | 140 K | 140 K | 324 K | - | 140 K | 140 K | 344 K | - | 46 K | 234 K | 491 K | - | 140 K | 140 K | 270 K | - | 1.42 M | 1.02 M | 506 K | - | 1.51 M | 1.01 M | 504 K | - | 983 K | 690 K | 377 K | - | 679 K | 434 K | 213 K | - | 601 K | 396 K | 188 K | - | 579 K | 391 K | 196 K | - | 571 K | 381 K | 193 K | - | 546 K | 352 K | 193 K | - | 521 K | 354 K | 179 K | - | 504 K | 334 K | 165 K | - | 546 K | 367 K | 189 K |
All numbers in USD currency
The income statement is one of the three key financial reports of a company Bank of the James Financial Group (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:
- How much revenue the company earned
- How much it spent on production, personnel, marketing, taxes, etc.
- What profit remained in the end
Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.
Features- The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
- Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
- A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.
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