BANK OF THE JAMES FINANCIAL GROUP INC — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that BANK OF THE JAMES FINANCIAL GROUP INC filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $9.02M | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | $7.94M | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | $8.70M | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | $8.96M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $7.59M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $4.98M | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | $5.61M | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | $5.30M | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | $2.92M | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | $3.29M | Mar 21, 2018 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $11.66M | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | $8.51M | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | $9.49M | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | $9.31M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $16.35M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $5.20M | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | $5.59M | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | $8.57M | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | $6.72M | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | $2.79M | Mar 21, 2018 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.17M | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | $2.55M | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | $1.57M | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | $1.19M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $2.91M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $1.75M | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | $4.40M | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | $2.30M | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | $1.92M | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | $1.71M | Mar 21, 2018 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.04B | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | $979.24M | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | $969.37M | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | $928.57M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $987.63M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $851.39M | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | $725.39M | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | $674.90M | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | $626.34M | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | $574.20M | Mar 21, 2018 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $958.98M | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | $914.38M | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | $909.33M | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | $878.35M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $918.21M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $784.65M | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | $663.95M | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | $619.75M | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | $574.68M | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | $524.77M | Mar 21, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $80.05M | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | $64.87M | Mar 27, 2026 |
| FY2025 | Dec 31, 2023 | $60.04M | Mar 27, 2026 |
| FY2024 | Dec 31, 2022 | $50.23M | Mar 26, 2025 |
| FY2023 | Dec 31, 2021 | $69.43M | Mar 27, 2024 |
| FY2022 | Dec 31, 2020 | $66.73M | Mar 31, 2023 |
| FY2021 | Dec 31, 2019 | $61.45M | Mar 29, 2022 |
| FY2020 | Dec 31, 2018 | $55.14M | Mar 29, 2021 |
| FY2019 | Dec 31, 2017 | $51.67M | Mar 20, 2020 |
| FY2018 | Dec 31, 2016 | $49.42M | Mar 22, 2019 |
Goodwill
An intangible asset representing the premium paid above fair value when acquiring another company. A large goodwill balance signals a history of acquisitions at premium prices.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $2.05M | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | $2.05M | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | $2.05M | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | $2.05M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $3.00M | Mar 31, 2023 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $50.01M | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | $42.80M | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | $36.68M | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | $31.03M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $23.44M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $24.67M | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | $20.90M | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | $16.52M | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | $12.27M | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | $10.16M | Mar 21, 2018 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2018 | Dec 31, 2018 | $50.33M | Mar 22, 2019 |
| FY2018 | Dec 31, 2017 | $37.02M | Mar 22, 2019 |
| FY2018 | Dec 31, 2016 | $28.68M | Mar 22, 2019 |
| FY2017 | Dec 31, 2015 | $28.66M | Mar 21, 2018 |
| FY2016 | Dec 31, 2014 | $12.74M | Mar 21, 2017 |
| FY2015 | Dec 31, 2013 | $16.67M | Mar 17, 2016 |
| FY2014 | Dec 31, 2012 | $41.00M | Mar 20, 2015 |
| FY2013 | Dec 31, 2011 | $23.34M | Mar 19, 2014 |
| FY2012 | Dec 31, 2010 | $18.76M | Mar 19, 2013 |
| FY2011 | Dec 31, 2009 | $31.31M | Mar 20, 2012 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 1 | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | 1 | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | 1 | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | 1 | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | 1 | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | 1 | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | 1 | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | 1 | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | 0 | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | 0 | Mar 21, 2018 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 1 | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | 1 | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | 1 | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | 1 | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | 1 | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | 1 | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | 1 | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | 1 | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | 0 | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | 0 | Mar 21, 2018 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 4.54M | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | 4.54M | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | 4.54M | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | 4.63M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | 4.74M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | 4.34M | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | 4.36M | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | 4.38M | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | 4.38M | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | 4.38M | Mar 21, 2018 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.82M | Mar 27, 2026 |
| FY2025 | Dec 31, 2024 | $1.82M | Mar 27, 2026 |
| FY2024 | Dec 31, 2023 | $1.46M | Mar 26, 2025 |
| FY2023 | Dec 31, 2022 | $1.37M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $1.27M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $1.22M | Mar 29, 2022 |
| FY2020 | Dec 31, 2019 | $1.23M | Mar 29, 2021 |
| FY2019 | Dec 31, 2018 | $1.05M | Mar 20, 2020 |
| FY2018 | Dec 31, 2017 | $1.05M | Mar 22, 2019 |
| FY2017 | Dec 31, 2016 | $1.05M | Mar 21, 2018 |