Bank of the James Financial Group, Inc.
Description
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 offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also provides loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it offers other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company provides mortgage banking; investment advisory services; securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. The company was founded in 1999 and is headquartered in Lynchburg, Virginia.
About
CEO
Employees
172
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNCM
Address
828 Main Street, Lynchburg, VA 24504, United States
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Oscillators
No data available
Summary
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Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Oct 23, 2025 | — | — | — | — |
| Jul 24, 2025 | — | — | — | — |
| Apr 24, 2025 | — | — | — | — |
| Apr 21, 2023 | — | 0.43 | — | — |
| Feb 6, 2023 | — | 0.42 | — | — |
Earnings estimate
| Number of analysts | — | — | — | — |
|---|---|---|---|---|
| Average estimate | — | — | — | — |
| Low estimate | — | — | — | — |
| High estimate | — | — | — | — |
| Last year EPS | — | — | — | — |
[stock_revenue_estimate]
Growth estimates
Current qtr
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Next qtr.
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Current year
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Next year
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Next 5 years (per annum)
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Past 5 years (per annum)
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Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 41.80M | 42.02M | 37.19M | 35.01M | 31.09M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 20.18M | 19.62M | 18.33M | 16.91M | 14.78M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 10.28M | 11.11M | 9.45M | 6.18M | 6.93M |
| Tax provision | 1.58M | 2.15M | 1.86M | 1.20M | 1.33M |
| Net income | 8.70M | 8.96M | 7.59M | 4.98M | 5.61M |
| Basic EPS | 1.91 | 1.91 | 1.60 | 1.05 | 1.16 |
| Diluted EPS | 1.91 | 1.91 | 1.60 | 1.05 | 1.16 |
| Basic average shares | 4.56M | 4.70M | 4.75M | 4.78M | 4.81M |
| Diluted average shares | 4.56M | 4.70M | 4.75M | 4.78M | 4.81M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 8.70M | 8.96M | 7.59M | 4.98M | 5.61M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 25.61M | 30.03M | 29.34M | 31.68M | 30.79M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 25.61M | 30.03M | 29.34M | 31.68M | 30.79M |
| Other short term investments | 216.51M | 185.79M | 161.27M | 90.19M | 59.66M |
| Accounts receivable | 2.84M | 2.74M | 2.06M | 2.35M | 1.87M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 1.14M | 52,000 | 3.86M | 4.20M | 2.15M |
| Land and improvements | 3.88M | 3.88M | 3.30M | 3.30M | 3.30M |
| Machinery furniture equipment | 11.46M | 11.03M | 10.38M | 9.62M | 12.15M |
| Construction in progress | — | — | — | — | — |
| Leases | 3.09M | 3.06M | 3.02M | 3.00M | 3.46M |
| Accumulated depreciation | -15.50M | -14.09M | -12.68M | -11.00M | -13.27M |
| Goodwill | 11.39M | 11.95M | 14.41M | — | — |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 7.29M | 7.85M | 8.41M | — | — |
| Investments and advances | 220.13M | 189.43M | 164.92M | 93.86M | 63.34M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | 480,000 | 89,000 | 46,000 | 85,000 | 173,000 |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | 124,000 |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 19.93M | 20.49M | 21.02M | 10.03M | 5.00M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 9.72M | 9.91M | 10.15M | 9.29M | 9.33M |
| Retained earnings | 36.68M | 31.03M | 23.44M | 24.67M | 20.90M |
| Other shareholders equity | -21.62M | -26.78M | -1.39M | 1.79M | -5,000 |
| Total shareholders equity | 60.04M | 50.23M | 69.43M | 66.73M | 61.45M |
| Additional paid in capital | 35.25M | 36.07M | 37.23M | 30.99M | 31.23M |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||
| Net Income | 8.70M | 8.96M | 7.59M | 4.98M | 5.61M | 5.30M | 2.92M | 3.29M | 3.69M | 3.41M | 3.06M | 2.13M | 600,000 | 1.82M | -642,000 | 224,000 | 2.08M | 1.77M | 1.79M | 1.47M | 1.42M | 821,000 | 629,327 |
| Depreciation | 1.97M | 2.61M | 2.06M | 2.03M | 1.67M | 930,000 | 811,000 | 767,000 | 767,000 | 756,000 | 720,000 | 681,000 | 715,000 | 813,000 | 867,000 | 757,000 | 700,000 | 700,000 | 703,000 | 773,000 | 393,000 | 326,000 | 256,677 |
| Deferred Taxes | -356,000 | -10,000 | 114,000 | -838,000 | -17,000 | -132,000 | 764,000 | -455,000 | -74,000 | 362,000 | 278,000 | -312,000 | 195,000 | -79,000 | -536,000 | -487,000 | 3,000 | -178,000 | 16,000 | 138,000 | -6,000 | -7,000 | -215,539 |
| Stock-Based Compensation | — | — | 106,000 | 106,000 | 106,000 | — | — | — | — | — | — | — | — | 2,000 | 5,000 | 7,000 | — | — | — | — | — | — | — |
| Other Non-Cash Items | 4.57M | 4.02M | 13.83M | 4.90M | 1.72M | 3.91M | 3.64M | 563,000 | 1.35M | 2.63M | 13,000 | 77,000 | 487,000 | — | 1,000 | 1.36M | 463,000 | 781,000 | 803,000 | 754,000 | 551,000 | 624,000 | 420,277 |
| Accounts Receivable | -99,000 | -672,000 | 286,000 | -484,000 | -124,000 | 235,000 | -487,000 | -248,000 | -153,000 | -383,000 | 373,000 | 77,000 | -488,000 | 1.03M | -12,000 | -1.28M | — | — | — | — | — | — | — |
| Accounts Payable | 391,000 | 43,000 | -39,000 | -88,000 | 46,000 | 16,000 | 23,000 | 27,000 | 3,000 | -7,000 | -5,000 | -41,000 | -10,000 | -79,000 | -102,000 | -103,000 | — | — | — | — | — | — | — |
| Other Assets & Liabilities | -3.03M | -620,000 | 653,000 | -344,000 | 28,000 | -87,000 | 150,000 | -161,000 | -492,000 | 9,000 | 330,000 | -154,000 | 1.19M | 891,000 | -2.84M | -683,000 | -713,000 | -755,000 | 202,000 | -665,000 | -221,000 | -88,000 | — |
| Operating Cash Flow | 12.15M | 14.33M | 24.60M | 10.27M | 9.03M | 10.18M | 7.83M | 3.78M | 5.09M | 6.78M | 4.77M | 2.46M | 2.69M | 4.40M | -3.26M | -203,000 | 2.54M | 2.31M | 3.52M | 2.47M | 2.13M | 1.68M | 1.09M |
| Investing Activities | |||||||||||||||||||||||
| Capital Expenditures | -1.57M | -1.16M | -2.91M | -1.75M | -4.40M | -2.30M | -1.92M | -1.71M | -1.51M | -1.34M | -806,000 | -414,000 | -694,000 | -266,000 | -3.65M | -2.43M | -11,000 | -1.38M | -890,000 | -1.55M | -1.78M | -964,000 | -283,819 |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | -818,000 | -10.40M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Purchase of Investments | -34.85M | -77.49M | -84.53M | -51.15M | -16.99M | -998,000 | -29.83M | -41.75M | -27.02M | -3.14M | -30.85M | -44.34M | -73.83M | -45.66M | -79.41M | -20.90M | -14.80M | -7.88M | -19.45M | -15.88M | -10.00M | -14.09M | -3.05M |
| Sale of Investments | 12.13M | 19.40M | 8.36M | 23.15M | 12.90M | 4.20M | 13.17M | 34.88M | 15.06M | 28.83M | 30.18M | 48.51M | 71.79M | 53.12M | 34.58M | 29.22M | 8.93M | 5.50M | 14.90M | 10.55M | 11.39M | 3.63M | 5.65M |
| Investing Cash Flow | -25.71M | -60.13M | -90.88M | -30.83M | -7.96M | 1.79M | -18.20M | -11.22M | -12.68M | 24.51M | -649,000 | 5.48M | -2.87M | 7.94M | -48.64M | 2.94M | -42.89M | -36.37M | -21.46M | -33.30M | -29.85M | -33.95M | -28.34M |
| Financing Activities | |||||||||||||||||||||||
| Long-Term Debt Issuance | — | — | 10.99M | — | — | — | 5.00M | — | — | — | — | 10.00M | — | — | 7.00M | 21.00M | 5.59M | — | — | — | — | — | — |
| Long-Term Debt Payments | -944,000 | -889,000 | -414,000 | -5.41M | -156,000 | — | — | -10.00M | -12.00M | — | — | -15.00M | — | -10.00M | -1.00M | — | — | — | — | — | — | — | — |
| Other Financing Charges | — | — | -16,000 | — | — | — | — | — | — | — | — | — | — | — | — | -5.59M | 2.09M | 1.49M | 2.70M | 4.26M | — | — | — |
| Financing Cash Flow | -3.40M | -3.66M | 8.86M | 3.12M | -1.70M | -1.05M | 3.95M | -11.05M | -2.15M | -506,000 | — | -5.00M | — | -10.00M | 6.00M | 15.35M | 7.68M | 1.49M | 2.70M | 8.52M | — | — | — |
| Other Cash Details | |||||||||||||||||||||||
| End Cash Position | 74.84M | 61.76M | 183.15M | 100.89M | 39.11M | 50.33M | 37.02M | 28.68M | 28.66M | 12.74M | 16.67M | 41.00M | 23.34M | 18.76M | 31.31M | 15.83M | 4.31M | 9.88M | 9.24M | 3.98M | 10.22M | 8.30M | 2.98M |
| Income Tax Paid | 1.87M | 2.18M | 2.55M | 1.59M | 120,000 | 1.28M | 1.83M | 2.10M | 1.88M | 1.43M | 1.28M | 800,000 | 712,000 | 1.05M | — | 809,000 | — | — | — | — | — | — | — |
| Interest Paid | 9.23M | 2.11M | 2.14M | 4.63M | 5.22M | 3.78M | 2.97M | 2.32M | 2.69M | 2.33M | 2.44M | 3.06M | 4.20M | 6.47M | 9.35M | 8.12M | — | — | — | — | — | — | — |
| Free Cash Flow | 7.92M | 8.12M | 13.44M | 3.45M | 1.19M | 6.27M | 4.80M | 1.08M | 1.84M | 4.28M | 3.97M | 4.64M | 6.43M | 7.46M | -2.00M | -176,000 | 2.43M | 975,000 | 2.68M | 881,000 | 6,000 | 982,000 | 808,928 |
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