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BANK OF THE JAMES FINANCIAL GROUP INC
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Last updated Oct 16, 2026.
Overview
Compare with NEW PEOPLES BANKSHARES INC, RBB Bancorp or MVB FINANCIAL CORP, or pick any stock.
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax19¢$2.1M
- Profit81¢$9.0M
Out of $4.3M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending10¢$1.2M
- Dividends paid16¢$1.8M
- Kept or used elsewhere74¢$8.7M
Out of $11.7M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans | $37.3M | $34.5M |
| US Government and agency obligations | $2.1M | $1.5M |
| Mortgage backed securities | $1.5M | $2.3M |
| Municipals - taxable | $1.4M | $1.2M |
| Municipals - tax exempt | $135.0K | $73.0K |
| Dividends | $98.0K | $95.0K |
| Corporates | $530.0K | $543.0K |
| Interest bearing deposits | $559.0K | $775.0K |
| Federal Funds sold | $3.0M | $3.6M |
| Total interest income | $46.7M | $44.6M |
| NOW, money market and savings | $4.9M | $5.5M |
| Time deposits | $8.3M | $9.2M |
| Finance leases | $65.0K | $76.0K |
| Other borrowings | $389.0K | $376.0K |
| Capital notes | $163.0K | $327.0K |
| Total interest expense | $13.8M | $15.4M |
| Net interest income | $32.8M | $29.2M |
| Recovery of credit losses | -$35.0K | -$655.0K |
| Net interest income after recovery of credit losses | $32.8M | $29.9M |
| Gains on sales of loans held for sale | $4.9M | $4.5M |
| Service charges, fees and commissions | $4.3M | $4.0M |
| Wealth management fees | $5.3M | $4.8M |
| Life insurance income | $769.0K | $721.0K |
| Income from SBIC fund | $506.0K | $934.0K |
| Other | $77.0K | $80.0K |
| Gain on sales of securities, net | $27.0K | $62.0K |
| Total noninterest income | $15.9M | $15.1M |
| Salaries and employee benefits | $21.0M | $19.3M |
| Occupancy | $2.1M | $2.0M |
| Equipment | $2.8M | $2.5M |
| Supplies | $631.0K | $542.0K |
| Professional and other outside expense | $4.0M | $3.5M |
| Data processing | $2.5M | $3.1M |
| Marketing | $867.0K | $768.0K |
| Credit expense | $904.0K | $816.0K |
| FDIC insurance expense | $518.0K | $441.0K |
| Amortization of intangibles | $561.0K | $560.0K |
| Other | $1.8M | $1.7M |
| Total noninterest expenses | $37.5M | $35.1M |
| Income before income taxes | $11.1M | $9.9M |
| Income tax expense | $2.1M | $2.0M |
| Net Income | $9.0M | $7.9M |
| Weighted average shares outstanding - basic | 4.5M shares | 4.5M shares |
| Weighted average shares outstanding - diluted | 4.5M shares | 4.5M shares |
| Earnings per common share basic | $1.99 | $1.75 |
| Earnings per common share - diluted | $1.99 | $1.75 |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $28.5M | $23.3M | |
| Federal funds sold | $55.9M | $50.0M | |
| Total cash and cash equivalents | $84.5M | $73.3M | |
| Securities held-to-maturity, at amortized cost (fair value of $3,315 and $3,170 as of December 31, 2025 and 2024, respectively) | $3.6M | $3.6M | |
| Securities available-for-sale, at fair value | $214.1M | $187.9M | |
| Restricted stock, at cost | $1.8M | $1.8M | |
| Loans, net of allowance for credit losses of $6,450 as of December 31, 2025 and $7,044 as of December 31, 2024 | $661.4M | $636.6M | |
| Loans held for sale | $3.5M | $3.6M | |
| Premises and equipment, net | $19.1M | $19.3M | |
| Interest receivable | $3.4M | $3.1M | |
| Cash value - bank owned life insurance | $23.7M | $22.9M | |
| Customer relationship intangible | $6.2M | $6.7M | |
| Goodwill | $2.1M | $2.1M | |
| Other assets | $15.8M | $18.4M | |
| Total assets | $1.0B | $979.2M | |
| Noninterest bearing demand | $131.5M | $129.7M | |
| NOW, money market and savings | $570.3M | $522.2M | |
| Time | $235.3M | $230.5M | |
| Total deposits | $937.1M | $882.4M | |
| Capital notes, net | $10.0M | ||
| Other borrowings | $8.8M | $9.3M | |
| Interest payable | $1.2M | $722.0K | |
| Other liabilities | $11.9M | $11.9M | |
| Total liabilities | $959.0M | $914.4M | |
| Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,543,338 as of December 31, 2025 and December 31, 2024 | $9.7M | $9.7M | |
| Additional paid-in-capital | $35.3M | $35.3M | |
| Retained earnings | $50.0M | $42.8M | |
| Accumulated other comprehensive loss | -$14.9M | -$22.9M | |
| Total stockholders equity | $80.0M | $64.9M | $60.0M |
| Total liabilities and stockholders equity | $1.0B | $979.2M | |
| Securities held-to-maturity, fair value | $3.3M | $3.2M | |
| Allowance for credit losses | $6.5M | $7.0M | $7.4M |
| Common stock, par value | $2.14 | $2.14 | |
| Common stock, shares authorized | 10.0M shares | 10.0M shares | |
| Common stock, shares issued | 4.5M shares | 4.5M shares | |
| Common stock, shares outstanding | 4.5M shares | 4.5M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net Income | $9.0M | $7.9M |
| Depreciation and amortization | $1.3M | $1.4M |
| Net amortization and accretion of premiums and discounts on securities | $211.0K | $571.0K |
| Amortization of debt issuance costs | $2.0K | $6.0K |
| Gain on sales of available-for-sale securities, net | -$27.0K | -$62.0K |
| Gain on sale of equipment | -$28.0K | |
| Gain on sales of loans held for sale | -$4.9M | -$4.5M |
| Proceeds from sales of loans held for sale | $177.4M | $192.8M |
| Origination of loans held for sale | -$172.4M | -$190.7M |
| Deferred income taxes | -$156.0K | $28.0K |
| Recovery of credit losses | -$35.0K | -$655.0K |
| Amortization of intangibles | $561.0K | $560.0K |
| Bank owned life insurance income | -$769.0K | -$721.0K |
| Increase in accrued interest receivable | -$315.0K | -$230.0K |
| Decrease in other assets | $979.0K | $50.0K |
| Increase in interest payable | $445.0K | $242.0K |
| Increase in other liabilities | $298.0K | $1.8M |
| Net cash provided by operating activities | $11.7M | $8.5M |
| Purchases of securities available-for-sale | -$44.3M | -$20.8M |
| Proceeds from maturities, calls and paydowns of securities available-for-sale | $23.8M | $15.9M |
| Proceeds from sales of securities available-for-sale | $4.2M | $31.4M |
| Purchases of bank owned life insurance | -$600.0K | |
| Purchases of restricted securities | -$7.0K | -$280.0K |
| Origination of loans, net of principal collected | -$24.6M | -$34.1M |
| Purchases of premises and equipment | -$1.2M | -$2.5M |
| Proceeds from sales of equipment | $46.0K | |
| Purchase of SBIC investments | -$350.0K | -$100.0K |
| Net cash used in investing activities | -$42.4M | -$11.2M |
| Net increase in deposits | $54.7M | $3.9M |
| Principal payments on finance lease obligations | -$451.0K | -$402.0K |
| Repayment of capital notes | -$10.1M | |
| Repayment of other borrowings | -$504.0K | -$590.0K |
| Dividends paid to common stockholders | -$1.8M | -$1.8M |
| Net cash provided by financing activities | $41.9M | $1.1M |
| Increase (decrease) in cash and cash equivalents | $11.2M | -$1.5M |
| Unrealized gains on securities available-for-sale | $10.1M | -$1.6M |
| Lease liabilities arising from right-of-use assets | $212.0K | |
| Cash paid for interest | $13.4M | $15.2M |
| Cash paid for income taxes | $2.3M | $1.9M |
Compare BANK OF THE JAMES FINANCIAL GROUP INC with another company
Recent filings
- Aug 14, 2026SCHEDULE 13G/A
- Aug 12, 20264 SYREK AUGUST 2026
- Aug 12, 202610-Q
- Aug 11, 20264 ADDISON 8/102626
- Aug 10, 20264 BRYANBT 8/6/26
- Aug 10, 20264 FOSTER 8/6/26
- Jul 30, 20268-K
- May 20, 20268-K
- May 15, 2026SCHEDULE 13G/A
- May 15, 2026SCHEDULE 13G/A
- May 12, 202610-Q
- May 8, 20264 05/08/2026 JAMERSON
- May 7, 20264 BRYANT 2026.05.07
- May 7, 20264 ADDISON 2026.05.07
- Apr 30, 20268-K
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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