Bank of the James Financial Group, Inc. (BOTJ) Earnings History
Growth Compounder25 years of earnings data (2001–2025) · Consistent double-digit EPS growth over 5 years
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Bank of the James Financial Group, Inc. (BOTJ) Earnings Overview
As of July 7, 2026, Bank of the James Financial Group, Inc. (BOTJ) reported trailing twelve-month net income of $11M, reflecting +13.7% year-over-year growth. The company earned $2.41 per diluted share over the past four quarters, with a net profit margin of 14.4%.
Looking at the long-term picture, BOTJ's 5-year EPS compound annual growth rate (CAGR) stands at +13.9%, showing solid earnings momentum. The company achieved its highest annual net income of $9M in fiscal 2025, representing a new all-time high.
Bank of the James Financial Group, Inc. maintains positive profitability with a gross margin of 77.9%, operating margin of 17.8%, and net margin of 14.4%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), MNSB ($17M net income, 11.5% margin), NKSH ($18M net income, 18.6% margin), BOTJ has room to improve margins relative to the peer group. Compare BOTJ vs CZWI →
BOTJ Earnings vs Peers
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BOTJ Historical Earnings Data (2001–2025)
25 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $9M | +13.6% | $11M | $1.99 | 14.4% | 17.8% |
| 2024 | $8M | -8.7% | $10M | $1.75 | 13.5% | 16.8% |
| 2023 | $9M | -2.8% | $10M | $1.91 | 16.9% | 20.0% |
| 2022 | $9M | +18.1% | $11M | $1.91 | 20.3% | 25.2% |
| 2021 | $8M | +52.4% | $9M | $1.60 | 19.3% | 24.1% |
| 2020 | $5M | -11.2% | $6M | $1.04 | 12.6% | 15.6% |
| 2019 | $6M | +5.7% | $7M | $1.16 | 15.4% | 19.1% |
| 2018 | $5M | +81.5% | $7M | $1.10 | 16.7% | 20.9% |
| 2017 | $3M | -11.1% | $5M | $0.61 | 10.5% | 19.2% |
| 2016 | $3M | -11.0% | $5M | $0.68 | 12.7% | 18.6% |
| 2015 | $4M | +8.2% | $5M | $0.97 | 15.3% | 22.1% |
| 2014 | $3M | +11.5% | $5M | $0.92 | 15.4% | 21.3% |
| 2013 | $3M | +43.5% | $4M | $0.83 | 14.1% | 18.9% |
| 2012 | $2M | +255.3% | $3M | $0.58 | 9.6% | 12.1% |
| 2011 | $600,000 | -67.0% | $507,000 | $0.16 | 2.6% | 2.2% |
| 2010 | $2M | +383.5% | $2M | $0.50 | 7.2% | 9.7% |
| 2009 | $-642,000 | -386.6% | -$1M | $-0.18 | -2.7% | -5.7% |
| 2008 | $224,000 | -89.3% | $-638,000 | $0.06 | 1.1% | -3.3% |
| 2007 | $2M | +18.1% | $3M | $0.56 | 10.2% | 15.4% |
| 2006 | $2M | -1.5% | $3M | $0.49 | 10.4% | 16.2% |
| 2005 | $2M | +21.7% | $3M | $0.45 | 12.7% | 19.2% |
| 2004 | $1M | +4.0% | $2M | $0.26 | 13.1% | 19.8% |
| 2003 | $1M | +74.0% | $2M | $0.46 | 15.1% | 23.0% |
| 2002 | $814,000 | +29.3% | $1M | $0.11 | 10.3% | 15.6% |
| 2001 | $629,327 | - | $485,788 | $0.08 | 11.3% | 8.7% |
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BOTJ — Frequently Asked Questions
Quick answers to the most common questions about buying BOTJ stock.
What is BOTJ earnings per share (EPS)?
BOTJ trailing twelve-month (TTM) diluted EPS is $2.41, reflecting +13.7% year-over-year growth. The 5-year EPS CAGR is +13.9%. Complete EPS history from 2001 to 2025 is available in the table on this page.
What is Bank of the James Financial Group, Inc.'s net income?
Bank of the James Financial Group, Inc. (BOTJ) trailing twelve-month net income is $11M as of 2025. Earnings grew +13.7% year-over-year. Bank of the James Financial Group, Inc. has been profitable for 16 consecutive years.
Is BOTJ profitable?
Yes, BOTJ is profitable with a TTM net income of $11M and a net profit margin of +14.4%. Bank of the James Financial Group, Inc. has generated profits for 16 consecutive years.
What is BOTJ's earnings growth rate?
BOTJ compound annual EPS growth rates (CAGR): 1-Year: +13.7%, 3-Year: +1.4%, 5-Year: +13.9%, 10-Year: +7.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2001 to 2025.
What are BOTJ's profit margins?
Bank of the James Financial Group, Inc. net profit margin is +14.4%, operating margin is +17.8%, and gross margin is +77.9%. Margins are within a typical range for the sector. Return on Equity is +12.5%.
Is BOTJ growing earnings?
BOTJ is growing earnings steadily. YoY EPS growth of +13.7% is consistent with the 5-year CAGR of +13.9%. TTM net income is $11M.
What was BOTJ's best earnings year?
Bank of the James Financial Group, Inc.'s highest annual net income on record is $9M, achieved in fiscal year 2025. Earnings history on this page spans 2001 to 2025 and includes all annual and quarterly figures.
What were BOTJ's earnings last quarter?
BOTJ's most recent reported quarter was Q1 2026. Net income was $3M with diluted EPS of $0.61. For a full breakdown of all quarters, see the quarterly earnings table on this page.