Bank of the James Financial Group, Inc. (BOTJ) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	60.7M	62.5M	59.0M	51.4M	44.2M
Cost of Revenue	13.8M	13.8M	14.8M	9.4M	1.3M
Gross Profit	46.9M	48.7M	44.2M	42.0M	42.9M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	27.5M	22.3M	21.0M	20.2M	19.6M
General & Admin Expense	27.0M	21.5M	20.3M	19.3M	18.7M
Selling & Marketing Expense	432.0K	867.0K	768.0K	919.0K	920.0K
Other Expenses	9.1M	15.2M	13.2M	11.5M	12.2M
Total Operating Expenses	36.6M	37.5M	34.3M	31.7M	31.8M
Cost and Expenses	50.4M	51.4M	49.0M	41.1M	33.1M
Operating Income (EBIT)	10.3M	11.1M	9.9M	10.3M	11.1M
Non-Operating
Interest Income	48.0M	46.7M	44.5M	39.3M	31.8M
Interest Expense	13.1M	13.8M	15.4M	9.6M	2.1M
Net Interest Income	34.9M	32.8M	29.1M	29.7M	29.6M
Other Non-Op Income/Expense	4.0M	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	14.3M	11.1M	9.9M	10.3M	11.1M
Income Tax Expense	2.8M	2.1M	2.0M	1.6M	2.2M
Bottom Line
Net Income	11.5M	9.0M	7.9M	8.7M	9.0M
Earnings from Cont. Ops	11.5M	9.0M	7.9M	8.7M	9.0M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	11.5M	9.0M	7.9M	8.7M	9.0M
Per Share
Basic EPS	$2.53	$1.99	$1.75	$1.91	$1.91
Diluted EPS	$2.53	$1.99	$1.75	$1.91	$1.91
Revenue Per Share	$13.35	$13.76	$12.98	$11.27	$9.40
Shares
Basic Shares Outstanding	4.5M	4.5M	4.5M	4.6M	4.7M
Diluted Shares Outstanding	4.5M	4.5M	4.5M	4.6M	4.7M
Profitability Metrics
EBITDA	11.2M	12.5M	11.9M	12.2M	13.7M
D&A	862.0K	1.3M	1.9M	2.0M	2.6M
EBIT	10.3M	11.1M	9.9M	10.3M	11.1M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026