Bank of the James Financial Group, Inc.
Income Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.3M | $4.0M | $3.9M | $3.6M | $2.5M | $2.0M | $1.8M | $1.9M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | — | — | — | — | — | — | — | — |
| Operating Income | $11.1M | $9.9M | $19.9M | $13.3M | $11.6M | $10.7M | $12.2M | $10.4M |
| Operating Margin | 260.8% | 247.9% | 510.2% | 369.3% | 462.9% | 527.3% | 683.4% | 557.2% |
| Interest Expense | — | — | $9.6M | $2.2M | $2.1M | $4.5M | $5.3M | $3.8M |
| Pretax Income | $11.1M | $9.9M | $10.3M | $11.1M | $9.5M | $6.2M | $6.9M | $6.6M |
| Income Tax Expense | $2.1M | $2.0M | $1.6M | $2.2M | $1.9M | $1.2M | $1.3M | $1.3M |
| Net Income | $9.0M | $7.9M | $8.7M | $9.0M | $7.6M | $5.0M | $5.6M | $5.3M |
| Net Margin | 211.1% | 198.5% | 223.1% | 249.5% | 304.0% | 245.0% | 314.0% | 283.4% |
| EPS (Basic) | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 | $1.04 | $1.28 | $1.21 |
| EPS (Diluted) | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 | $1.04 | $1.28 | $1.21 |
| Shares Outstanding (Basic) | 4.5M | 4.5M | 4.6M | 4.7M | 4.7M | 4.8M | 4.4M | 4.4M |
| Shares Outstanding (Diluted) | 4.5M | 4.5M | 4.6M | 4.7M | 4.7M | 4.8M | 4.4M | 4.4M |
| Dividends Per Share | $0.40 | $0.40 | $0.32 | $0.29 | $0.28 | $0.28 | $0.28 | $0.24 |