Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
---|---|---|---|---|---|---|
Income Statement | ||||||
Total Revenue | 59.67M | 58.96M | 51.42M | 43.85M | 39.29M | 39.55M |
Gross Profit | 44.27M | 44.21M | 41.98M | 42.92M | 37.69M | 32.46M |
EBITDA | 10.16M | 11.86M | 12.25M | 13.72M | 11.51M | 8.21M |
Net Income | 6.60M | 7.94M | 8.70M | 8.96M | 7.59M | 4.98M |
Balance Sheet | ||||||
Total Assets | 1.01B | 979.24M | 969.37M | 928.57M | 987.63M | 851.39M |
Cash, Cash Equivalents and Short-Term Investments | 31.21M | 38.67M | 242.12M | 215.81M | 190.60M | 121.87M |
Total Debt | 19.20M | 19.35M | 19.93M | 20.49M | 21.02M | 10.03M |
Total Liabilities | 943.38M | 914.38M | 909.33M | 878.35M | 918.21M | 784.65M |
Stockholders Equity | 68.35M | 64.86M | 60.04M | 50.23M | 69.43M | 66.73M |
Cash Flow | ||||||
Free Cash Flow | 7.81M | 5.96M | 7.92M | 8.12M | 13.44M | 3.45M |
Operating Cash Flow | 10.50M | 8.51M | 9.49M | 9.31M | 16.35M | 5.20M |
Investing Cash Flow | -18.96M | -11.17M | -23.34M | -88.13M | -65.03M | -62.05M |
Financing Cash Flow | 15.35M | 1.14M | 26.92M | -42.57M | 130.95M | 118.63M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
---|---|---|---|---|---|---|---|
75 Outperform | $70.01M | 9.79 | 10.73% | 2.58% | 9.06% | -16.04% | |
70 Neutral | $93.88M | 14.11 | 8.25% | 4.01% | 27.65% | 996.66% | |
68 Neutral | $18.06B | 11.97 | 10.24% | 3.74% | 9.75% | 1.30% | |
58 Neutral | $78.72M | 10.38 | -1.64% | 3.37% | -0.03% | -126.57% | |
57 Neutral | $36.79M | 5.16 | 8.93% | 3.56% | 7.07% | 96.65% | |
48 Neutral | $72.33M | 158.72 | 0.22% | ― | 2.54% | -174.74% | |
― | $62.82M | ― | -1.04% | ― | ― | ― |
On August 18, 2025, Bank of the James Financial Group, Inc. entered into a Second Note Modification Agreement with The National Bank of Blacksburg, effective September 1, 2025, concerning a Secured Promissory Note originally issued in December 2021. The agreement extends the maturity date to August 31, 2030, adjusts the interest rate to 5.65%, and modifies the repayment schedule to 240 monthly installments of approximately $61,000, with a final balloon payment of $7.4 million. This modification aims to improve the company’s financial flexibility and manage its debt obligations effectively, impacting its operational strategy and stakeholder interests.
On July 22, 2025, the Board of Directors of Bank Of The Jame Financial declared a quarterly cash dividend of $0.10 per share of common stock. This dividend will be paid on or about September 26, 2025, to stockholders of record as of the close of business on September 12, 2025.