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Bank of the James Announces First Quarter of 2025 Financial Results
Wed 30 Apr 25, 06:00 PM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 11.14M | 9.92M | 10.28M | 11.11M | 9.45M |
| Minority interest | - | - | - | - | - |
| Net income | 9.02M | 7.94M | 8.70M | 8.96M | 7.59M |
| Selling general administrative | 21.48M | 20.28M | 19.26M | 18.18M | 17.40M |
| Selling and marketing expenses | 0.87M | 0.77M | 0.92M | 0.92M | 0.93M |
| Gross profit | 48.69M | 44.21M | 41.98M | 42.02M | 37.19M |
| Reconciled depreciation | 1.89M | 1.94M | 2.67M | 0.56M | 2.06M |
| Ebit | 11.14M | 9.92M | 10.28M | 13.26M | 9.45M |
| Ebitda | 12.47M | 11.86M | 12.25M | 13.82M | 11.51M |
| Depreciation and amortization | 1.33M | 1.94M | 1.97M | 0.56M | 2.06M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 11.14M | 9.92M | 10.28M | 13.26M | 9.45M |
| Other operating expenses | 51.36M | 49.04M | 41.15M | 0.92M | -27.73400M |
| Interest expense | 13.85M | 15.41M | 9.62M | 2.15M | 2.10M |
| Tax provision | 2.12M | 1.98M | 2.07M | 2.15M | 1.86M |
| Interest income | 46.56M | 44.55M | 37.69M | 31.79M | 29.11M |
| Net interest income | 32.71M | 29.14M | 30.56M | 29.64M | 27.01M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 2.12M | 1.98M | 1.57M | 2.15M | 1.86M |
| Total revenue | 62.51M | 58.96M | 51.42M | 42.02M | 37.19M |
| Total operating expenses | 37.55M | 34.29M | 31.70M | 0.92M | -27.73400M |
| Cost of revenue | 13.81M | 14.75M | 9.44M | - | - |
| Total other income expense net | -3.73600M | -3.51000M | -3.21600M | -2.15000M | -2.10200M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 9.02M | 7.94M | 8.55M | 8.96M | 7.59M |
| Net income applicable to common shares | - | - | - | 8.96M | 7.59M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1039.02M | 979.24M | 969.37M | 928.57M | 987.63M |
| Intangible assets | 6.16M | 6.72M | 7.29M | 7.84M | 4.90M |
| Earning assets | - | - | - | - | - |
| Other current assets | 87.86M | - | 77.67M | 5.16M | 599.85M |
| Total liab | 958.98M | 914.38M | 909.33M | 878.35M | 918.21M |
| Total stockholder equity | 80.05M | 64.86M | 60.04M | 50.23M | 69.43M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | -0.99000M | 882.40M | 651.56M | -0.08900M | -0.04600M |
| Common stock | 9.72M | 9.72M | 9.72M | 9.90M | 10.14M |
| Capital stock | 9.72M | 9.72M | 9.72M | 9.90M | 10.14M |
| Retained earnings | 50.01M | 42.80M | 36.68M | 31.03M | 23.44M |
| Other liab | - | - | - | 9.62M | 10.09M |
| Good will | 2.05M | 2.05M | 2.05M | 2.05M | 5.90M |
| Other assets | - | 737.24M | - | 682.15M | 599.85M |
| Cash | 28.54M | 23.29M | 25.61M | 30.02M | 29.34M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 0.18M | 883.13M | 651.67M | 0.09M | 0.05M |
| Current deferred revenue | - | - | -0.48000M | - | - |
| Net debt | -19.74200M | -3.93900M | -4.48900M | -9.53100M | -8.32100M |
| Short term debt | - | 0.17M | 0.11M | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 8.80M | 19.35M | 21.12M | 20.49M | 21.02M |
| Other stockholder equity | 35.25M | 35.25M | 35.25M | 36.07M | 37.23M |
| Property plant equipment | - | - | - | 17.97M | 18.19M |
| Total current assets | 87.86M | 41.74M | 77.67M | 218.55M | 193.31M |
| Long term investments | 217.72M | 191.52M | 220.13M | 189.43M | 165.49M |
| Net tangible assets | - | - | - | 40.33M | 58.63M |
| Short term investments | 55.94M | 15.39M | 216.51M | 185.79M | 161.83M |
| Net receivables | 3.38M | 3.06M | 2.83M | 2.74M | 2.14M |
| Long term debt | 8.80M | 19.35M | 19.93M | 20.49M | 21.02M |
| Inventory | - | - | 22.78M | 0.57M | 0.76M |
| Accounts payable | 1.17M | 0.72M | 0.48M | 0.09M | 0.05M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -14.93700M | -22.91500M | -21.61500M | -26.78100M | -1.38600M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 39.44M | 93.46M | 30.85M | -189.42600M | -194.47200M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 951.17M | 937.51M | 891.70M | 27.87M | 194.47M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -16.63200M | -11.17300M | 14.85M | -88.12900M | -64.46400M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -42.39700M | -11.17300M | -23.33500M | - | -64.46400M |
| Net borrowings | -11.00500M | -0.99200M | -0.94400M | - | 10.57M |
| Total cash from financing activities | 41.90M | 1.14M | 26.92M | -42.57400M | 130.95M |
| Change to operating activities | - | - | - | - | 0.48M |
| Net income | 9.02M | 7.94M | 8.70M | 8.96M | 7.59M |
| Change in cash | 11.17M | -1.52900M | 13.08M | -121.39100M | 82.27M |
| Begin period cash flow | 73.31M | 74.84M | 61.76M | 183.15M | 100.89M |
| End period cash flow | 84.47M | 73.31M | 74.84M | 61.76M | 183.15M |
| Total cash from operating activities | 11.66M | 8.51M | 9.49M | 9.31M | 15.79M |
| Issuance of capital stock | - | - | - | - | 0.00000M |
| Depreciation | 1.89M | 1.94M | 1.97M | 2.61M | 2.06M |
| Other cashflows from investing activities | -42.39700M | -34.97800M | 0.96M | - | -1.77300M |
| Dividends paid | 1.82M | 1.82M | 1.46M | -1.36500M | -1.27100M |
| Change to inventory | - | - | - | - | 0.52M |
| Change to account receivables | -0.31500M | -0.23000M | -0.09900M | -0.67200M | 0.29M |
| Sale purchase of stock | - | 0.00000M | -0.99700M | -1.40200M | -0.42700M |
| Other cashflows from financing activities | 54.73M | 3.94M | 30.32M | -38.91800M | -0.01600M |
| Change to netincome | - | - | - | - | 5.37M |
| Capital expenditures | 1.17M | 2.55M | 1.57M | 1.19M | 2.91M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | 1.41M | 1.82M | -2.73700M | -1.24900M | 0.34M |
| Stock based compensation | - | - | -3.93400M | 0.00000M | 0.11M |
| Other non cash items | 1.23M | -3.21900M | 1.91M | -0.99700M | 5.58M |
| Free cash flow | 10.49M | 5.96M | 7.92M | 8.12M | 12.88M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BOTJ Bank of the James Financial Group |
0.15 0.61% | 24.55 | 11.72 | - | 2.16 | 1.32 | 2.41 |
| HDB HDFC Bank Limited ADR |
-0.07 0.28% | 25.02 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.13 0.44% | 29.92 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
-0.1 0.19% | 51.25 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It operates through Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management) segments. The company offers checking, savings, individual retirement, and health care savings accounts, as well as other time deposits, including money market accounts and certificates of deposit. It also provides small- and medium-sized business loans for use in purchase of equipment, facilities upgrades, inventory acquisition, and various working capital; commercial and residential construction, and development loans; loans to borrowers secured by commercial real estate; residential mortgage; and secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. In addition, the company offers investment advisory and financial planning services; securities brokerage and other investment services; insurance and annuity products, such as life insurance, fixed annuities, and disability insurance; safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management services, and credit card merchant services; automated teller machines; and telephone and internet banking, including online bill pay. Bank of the James Financial Group, Inc. was founded in 1999 and is headquartered in Lynchburg, Virginia.
828 Main Street, Lynchburg, VA, United States, 24504
| Name | Title | Year Born |
|---|---|---|
| Mr. Robert R. Chapman III | Pres & Director | 1963 |
| Mr. J. Todd Scruggs | Sec., Treasurer & Director | 1968 |
| Mr. Michael A. Syrek | Pres of Bank of the James | 1973 |
| Mr. Harry P. Umberger Jr. | Exec. VP & Chief Credit Officer of Bank of the James | 1966 |
| Mr. Brandon P. Farmer | Exec. VP & Chief Operations Officer | 1980 |
| Mr. Glenn G. Dillon | Pres of BOTJ Investment Group Inc | 1947 |
| Mr. Brian E. Cash | Pres of Bank of the James Mortgage | NA |
| Mr. Bradford K. Harris | Market Pres - Roanoke Valley | NA |
| Mr. Robert R. Chapman III | President & Director | 1963 |
| Mr. J. Todd Scruggs | Secretary, Treasurer & Director | 1968 |
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