BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	62.0M	62.5M	59.0M	51.4M	44.2M
Cost of Revenue	13.4M	13.8M	14.8M	9.4M	1.3M
Gross Profit	48.6M	48.7M	44.2M	42.0M	42.9M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	28.5M	22.3M	21.0M	20.2M	19.6M
General & Admin Expense	28.3M	21.5M	20.3M	19.3M	18.7M
Selling & Marketing Expense	183.0K	867.0K	768.0K	919.0K	920.0K
Other Expenses	8.8M	15.2M	13.2M	11.5M	12.2M
Total Operating Expenses	37.3M	37.5M	34.3M	31.7M	31.8M
Cost and Expenses	50.8M	51.4M	49.0M	41.1M	33.1M
Operating Income (EBIT)	11.2M	11.1M	9.9M	10.3M	11.1M
Non-Operating
Interest Income	49.1M	46.7M	44.5M	39.3M	31.8M
Interest Expense	12.8M	13.8M	15.4M	9.6M	2.1M
Net Interest Income	36.3M	32.8M	29.1M	29.7M	29.6M
Other Non-Op Income/Expense	4.0M	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	15.2M	11.1M	9.9M	10.3M	11.1M
Income Tax Expense	3.1M	2.1M	2.0M	1.6M	2.2M
Bottom Line
Net Income	12.1M	9.0M	7.9M	8.7M	9.0M
Earnings from Cont. Ops	12.1M	9.0M	7.9M	8.7M	9.0M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	12.1M	9.0M	7.9M	8.7M	9.0M
Per Share
Basic EPS	$2.65	$1.99	$1.75	$1.91	$1.91
Diluted EPS	$2.65	$1.99	$1.75	$1.91	$1.91
Revenue Per Share	$13.65	$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	12.7M	13.0M	11.9M	12.2M	13.7M
D&A	1.5M	1.9M	1.9M	2.0M	2.6M
EBIT	11.2M	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 Sep 1, 2026