Bank of the James Financial Group, Inc.

BOTJ · NASDAQ
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9/30/2025
6/30/2025
3/31/2025
12/31/2024
Revenue$0$15,450$14,331$15,248
% Growth-100%7.8%-6%
Cost of Goods Sold$0$2,860$3,652$3,879
Gross Profit$0$12,590$10,679$11,369
% Margin81.5%74.5%74.6%
R&D Expenses$0$0$0$0
G&A Expenses$0$5,477$4,919$5,692
SG&A Expenses$0$5,714$5,117$5,978
Sales & Mktg Exp.$0$237$198$287
Other Operating Expenses$0$3,478$4,523$3,321
Operating Expenses$0$9,192$9,640$9,299
Operating Income$0$3,398$1,039$2,070
% Margin22%7.3%13.6%
Other Income/Exp. Net$0$0$0$0
Pre-Tax Income$0$3,398$1,039$2,070
Tax Expense$0$694$197$452
Net Income$0$2,704$842$1,618
% Margin17.5%5.9%10.6%
EPS0.610.60.190.36
% Growth1.7%215.8%-47.2%
EPS Diluted0.610.60.190.36
Weighted Avg Shares Out4,5434,5434,5434,543
Weighted Avg Shares Out Dil4,5434,5434,5434,543
Supplemental Information
Interest Income$0$11,603$11,221$11,600
Interest Expense$0$3,388$3,515$3,950
Depreciation & Amortization$238$478$464$546
EBITDA$238$3,876$1,503$2,616
% Margin25.1%10.5%17.2%