BOTJ Bank of the James Financial Group, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 12, 2026
$27.30
· of 52w range
· above low
· to high
$14.4452w low
$29.7952w high
Market Cap (MRQ)
$124M
P/E (TTM)
10.8
EPS (TTM)
$2.52
Revenue (TTM)
$4M
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52W Range
$14–$30
Analyst Rating
·
Price Target
·
P/E
10.8
ROE
14.8%
Net Profit Margin
257.6%
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BOTJ Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$27.30
Market Cap (MRQ)
$124M
P/E (TTM)
10.8
EPS (TTM)
$2.52
Revenue (TTM)
$4M
Div Yield
1.5%
ROE (TTM)
14.8%
52W Range
$14–$30
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| June 24, 2021 | 11-for-10 | Forward |
| June 17, 2010 | 11-for-10 | Forward |
| June 12, 2009 | 21-for-20 | Forward |
| June 13, 2008 | 11-for-10 | Forward |
| March 13, 2006 | 5-for-4 | Forward |
| March 7, 2005 | 3-for-2 | Forward |
| Jan. 2, 2004 | 11-for-10 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$4M2023-12-31 → 2025-12-31
EPS$1.992023-12-31 → 2025-12-31
Free Cash Flow$10M2023-12-31 → 2025-12-31
Net margin257.6%2023-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | BOTJ | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 10.8 | · | 11.4 | Undervalued | |
| P/S (TTM) | 27.8 | · | 4.7 | Overvalued | |
| P/B (MRQ) | 1.5 | · | 0.9 | Overvalued | |
| Price / FCF (TTM) | 10.8 | · | · | · | |
| Price / Cash Flow (TTM) | 9.8 | · | 10.8 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.6 | · | · | · | |
| PEG Ratio | ≈0.8 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | BOTJ | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 31.1% | · | · | · | |
| Pretax Margin (TTM) | 319.6% | · | 34.5% | Top tier | |
| Net Profit Margin (TTM) | 257.6% | · | 29.5% | Top tier | |
| ROA (TTM) | 1.1% | · | 0.89% | In line | |
| ROE (TTM) | 14.8% | · | 8.2% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | BOTJ | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 6.7% | · | · | · | |
| Revenue CAGR 3Y | 6.0% | · | · | · | |
| Revenue CAGR 5Y | 16.0% | · | · | · | |
| EPS YoY | 13.7% | · | · | · | |
| Net Income YoY | 13.6% | · | · | · | |
| EPS CAGR 3Y | 1.4% | · | · | · | |
| EPS CAGR 5Y | 13.9% | · | · | · | |
| Net Income CAGR 3Y | 0.23% | · | · | · | |
| Net Income CAGR 5Y | 12.6% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | BOTJ | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | Weak | |
| Revenue / Employee | ≈$26.4K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.5%
Payout Ratio20.1%
Annualized Payout≈$0.40
5Y Div CAGR≈9.5%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 21, 2026 | $0.10 | USD | ≈1.5% |
| May 22, 2026 | $0.10 | USD | ≈1.8% |
| Feb 17, 2026 | $0.10 | USD | ≈1.9% |
| Nov 21, 2025 | $0.10 | USD | ≈2.3% |
| Sep 12, 2025 | $0.10 | USD | ≈2.6% |
| Jun 6, 2025 | $0.10 | USD | ≈2.8% |
| Mar 7, 2025 | $0.10 | USD | ≈3.1% |
| Nov 22, 2024 | $0.10 | USD | ≈2.7% |
| Sep 6, 2024 | $0.10 | USD | ≈2.9% |
| Jun 7, 2024 | $0.10 | USD | ≈3.3% |
| Feb 29, 2024 | $0.10 | USD | ≈2.9% |
| Nov 22, 2023 | $0.08 | USD | ≈3.2% |
| Aug 31, 2023 | $0.08 | USD | ≈3.0% |
| Jun 1, 2023 | $0.08 | USD | ≈3.4% |
| Mar 2, 2023 | $0.08 | USD | ≈2.3% |
| Nov 23, 2022 | $0.08 | USD | ≈2.5% |
| Sep 1, 2022 | $0.07 | USD | ≈2.3% |
| Jun 2, 2022 | $0.07 | USD | ≈2.2% |
| Mar 3, 2022 | $0.07 | USD | ≈1.8% |
| Nov 24, 2021 | $0.07 | USD | ≈1.7% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 16, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| March 31, 2025 | $0.19 | — | — | |
| Sept. 30, 2023 | $0.46 | — | — | |
| June 30, 2023 | $0.56 | — | — | |
| March 31, 2023 | $0.43 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4M | $4M | $4M | $4M | $2M | $2M | $2M | $2M | $2M | |
| Interest Expense | · | · | $10M | $2M | $2M | $5M | $5M | $4M | $3M | |
| Interest Income | $47M | $45M | $39M | $32M | $29M | $30M | $30M | $27M | $24M | |
| Pretax Income | $11M | $10M | $10M | $11M | $9M | $6M | $7M | $7M | $5M | |
| Income Tax | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $2M | |
| Net Income | $9M | $8M | $9M | $9M | $8M | $5M | $6M | $5M | $3M | |
| EPS (Basic) | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 | $1.04 | $1.28 | $1.21 | $0.67 | |
| EPS (Diluted) | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 | $1.04 | $1.28 | $1.21 | $0.67 | |
| Shares (Basic) | 4,543,338 | 4,543,338 | 4,562,374 | 4,698,041 | 4,747,821 | 4,775,733 | 4,375,814 | 4,378,436 | 4,378,436 | |
| Shares (Diluted) | 4,543,338 | 4,543,338 | 4,562,374 | 4,698,041 | 4,747,821 | 4,775,733 | 4,381,597 | 4,378,459 | 4,378,521 | |
| EBITDA | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $930.0K | $811.0K |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | · | $50M | $37M | |
| PP&E (Net) | $19M | $19M | $18M | $18M | $18M | $17M | $17M | $13M | $12M | |
| PP&E (Gross) | $37M | $36M | $34M | $32M | $31M | $28M | $30M | $26M | $23M | |
| Accum. Depreciation | $18M | $17M | $15M | $14M | $13M | $11M | $13M | $12M | $11M | |
| Goodwill | $2M | $2M | $2M | $2M | $3M | · | · | · | · | |
| Intangibles | $6M | $7M | $7M | $8M | $8M | · | · | · | · | |
| Total Assets | $1.04B | $979M | $969M | $929M | $988M | $851M | $725M | $675M | $626M | |
| Total Liabilities | $959M | $914M | $909M | $878M | $918M | $785M | $664M | $620M | $575M | |
| Common Stock | $10M | $10M | $10M | $10M | $10M | $9M | $9M | $9M | $9M | |
| Retained Earnings | $50M | $43M | $37M | $31M | $23M | $25M | $21M | $17M | $12M | |
| AOCI | $-15M | $-23M | $-22M | $-27M | $-1M | $2M | $-5.0K | $-2M | $-1M | |
| Stockholders' Equity | $80M | $65M | $60M | $50M | $69M | $67M | $61M | $55M | $52M | |
| Liabilities + Equity | $1.04B | $979M | $969M | $929M | $988M | $851M | $725M | $675M | $626M | |
| Shares Outstanding | 4,543,338 | 4,543,338 | 4,543,338 | 4,628,657 | 4,740,657 | 4,339,436 | 4,357,436 | 4,378,436 | 4,378,436 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $930.0K | $811.0K | |
| Stock-based Comp | · | · | · | · | $106.0K | $106.0K | $106.0K | · | · | |
| Deferred Tax | · | $28.0K | $-356.0K | $-10.0K | $114.0K | $-838.0K | $-17.0K | $-132.0K | $764.0K | |
| Amort. of Intangibles | $561.0K | $560.0K | $560.0K | $560.0K | · | · | · | · | · | |
| Other Non-cash | $1M | $-841.0K | $-263.0K | $-2M | $6M | $-1M | $-2M | $2M | $2M | |
| Operating Cash Flow | $12M | $9M | $9M | $9M | $16M | $5M | $6M | $9M | $7M | |
| CapEx | $1M | $3M | $2M | $1M | $3M | $2M | $4M | $2M | $2M | |
| Investing Cash Flow | $-42M | $-11M | $-23M | $-88M | $-65M | $-62M | $-53M | $-39M | $-47M | |
| Net Debt Issued | · | · | · | · | · | $-5M | · | · | · | |
| Stock Repurchased | · | · | $997.0K | $1M | $427.0K | $275.0K | $315.0K | · | · | |
| Net Stock Activity | · | · | $-997.0K | $-1M | $-427.0K | $-275.0K | $-315.0K | · | · | |
| Dividends Paid | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Financing Cash Flow | $42M | $1M | $27M | $-43M | $131M | $119M | $36M | $44M | $48M | |
| Net Change in Cash | · | · | · | · | · | · | · | $13M | $8M | |
| Taxes Paid | $2M | $2M | $2M | $2M | $3M | $2M | $120.0K | $1M | $2M | |
| Free Cash Flow | $10M | $6M | $8M | $8M | $13M | $3M | $1M | $6M | $5M | |
| Levered FCF | · | · | $-229.7K | $6M | $11M | $-211.0K | $-3M | $3M | $3M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 211.1% | 198.4% | 223.1% | 249.5% | 304.1% | 245.0% | 314.0% | 283.4% | 11.5% | |
| Pretax Margin | 260.8% | 247.9% | 263.5% | 309.4% | 378.7% | 303.9% | 388.5% | 354.4% | 21.1% | |
| EBITDA Margin | 31.1% | 34.4% | 36.1% | 57.1% | 82.5% | 99.8% | 93.3% | 49.7% | 3.2% | |
| ROA | 0.89% | 0.80% | 0.90% | 0.95% | 0.79% | 0.59% | 0.78% | 0.79% | 0.47% | |
| ROE | 11.9% | 11.9% | 15.8% | 18.2% | 11.0% | 7.5% | 9.2% | 9.8% | 5.7% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $17.62 | $14.28 | $13.21 | $10.85 | $14.65 | $15.38 | $14.10 | $12.59 | $11.80 | |
| Revenue / Share | $0.94 | $0.88 | $0.85 | $0.76 | $0.53 | $0.47 | $0.41 | $0.43 | $5.80 | |
| Cash Flow / Share | $2.57 | $1.87 | $2.08 | $1.98 | $3.32 | $1.20 | $1.28 | $1.96 | $1.53 | |
| Cash / Share | · | · | · | · | · | · | · | $11.49 | $8.45 | |
| Dividend / Share | $0.40 | $0.40 | $0.32 | $0.29 | $0.28 | $0.28 | $0.28 | $0.24 | $0.24 | |
| EPS (TTM) | $1.99 | $1.75 | $1.91 | $1.91 | $1.60 | $1.04 | $1.28 | $1.21 | $0.67 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 6.7% | 2.6% | 8.6% | 43.9% | 22.8% | · | · | · | · | |
| Revenue CAGR 3Y | 6.0% | 17.1% | 24.3% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 16.0% | · | · | · | · | · | · | · | · | |
| EPS YoY | 13.7% | -8.4% | 0.00% | 19.4% | 53.8% | · | · | · | · | |
| EPS CAGR 3Y | 1.4% | 3.0% | 22.5% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 13.9% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 13.6% | -8.7% | -2.9% | 18.1% | 52.4% | · | · | · | · | |
| Net Income CAGR 3Y | 0.23% | 1.5% | 20.5% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 12.6% | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 8.4% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $4M | $4M | $4M | $4M | $2M | $2M | $2M | $2M | $2M | |
| Net Income TTM | $9M | $8M | $9M | $9M | $8M | $5M | $6M | $5M | $3M | |
| Market Cap | $84M | $72M | $56M | $55M | $73M | $48M | $60M | $52M | $59M | |
| P/E | 9.3 | 9.1 | 6.4 | 6.2 | 9.7 | 10.6 | 10.8 | 9.8 | 20.3 | |
| P/S | 19.8 | 18.0 | 14.2 | 15.4 | 29.4 | 23.5 | 33.9 | 27.7 | 33.8 | |
| P/B | 1.1 | 1.1 | 0.9 | 1.1 | 1.1 | 0.7 | 1.0 | 0.9 | 1.2 | |
| P / Tangible Book | 1.2 | 1.3 | 1.1 | 1.4 | 1.3 | 0.7 | · | · | · | |
| P / Cash Flow | 7.2 | 8.5 | 5.8 | 5.9 | 4.6 | 9.2 | 10.8 | 6.0 | 8.8 | |
| P / FCF | 8.0 | 12.1 | 7.0 | 6.8 | 5.7 | 13.9 | 50.7 | 8.3 | 12.4 | |
| Dividend Yield | 2.1% | 2.5% | 2.6% | 2.5% | 1.7% | 2.5% | 2.0% | 2.0% | 1.8% | |
| Earnings Yield | 10.7% | 11.0% | 15.6% | 16.0% | 10.3% | 9.4% | 9.2% | 10.2% | 4.9% | |
| Payout Ratio | 20.1% | 22.9% | 16.8% | 15.2% | 16.8% | 24.4% | 21.9% | 19.8% | 35.9% | |
| Annual Payout | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1M | $994.0K | $1M | $1M | $975.0K | $981.0K | $1M | $991.0K | $986.0K | $953.0K | $959.0K | $1M | $955.0K | $983.0K | $1M | $1M | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $4M | · | $3M | $2M | $1M | $652.0K | $499.0K | |
| Interest Income | $12M | $12M | $12M | $12M | $12M | $11M | $12M | $12M | $11M | $11M | $11M | $10M | $10M | $9M | $9M | $8M | |
| Pretax Income | $4M | $3M | $3M | $3M | $3M | $1M | $2M | $2M | $3M | $3M | $2M | $3M | $3M | $2M | $2M | $3M | |
| Income Tax | $829.0K | $705.0K | $766.0K | $466.0K | $694.0K | $197.0K | $452.0K | $474.0K | $518.0K | $535.0K | $-56.0K | $511.0K | $633.0K | $487.0K | $442.0K | $601.0K | |
| Net Income | $3M | $3M | $3M | $3M | $3M | $842.0K | $2M | $2M | $2M | $2M | $2M | $2M | $3M | $2M | $2M | $3M | |
| EPS (Basic) | $0.71 | $0.61 | $0.59 | $0.61 | $0.60 | $0.19 | $0.36 | $0.44 | $0.47 | $0.48 | $0.46 | $0.46 | $0.56 | $0.43 | $0.43 | $0.55 | |
| EPS (Diluted) | $0.71 | $0.61 | $0.59 | $0.61 | $0.60 | $0.19 | $0.36 | $0.44 | $0.47 | $0.48 | $0.46 | $0.46 | $0.56 | $0.43 | $0.43 | $0.55 | |
| Shares (Basic) | 4,543,338 | 4,543,338 | · | 4,543,338 | 4,543,338 | 4,543,338 | · | 4,543,338 | 4,543,338 | 4,543,338 | · | 4,543,338 | 4,545,173 | 4,618,684 | · | 4,683,581 | |
| Shares (Diluted) | 4,543,338 | 4,543,338 | · | 4,543,338 | 4,543,338 | 4,543,338 | · | 4,543,338 | 4,543,338 | 4,543,338 | · | 4,543,338 | 4,545,173 | 4,618,684 | · | 4,683,581 | |
| EBITDA | · | $346.0K | · | · | · | $324.0K | · | · | · | $344.0K | · | · | · | $491.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $19M | $19M | $19M | $19M | $19M | $19M | $19M | $19M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | |
| PP&E (Gross) | · | · | $37M | · | · | · | $36M | · | · | · | $34M | · | · | · | $32M | · | |
| Accum. Depreciation | · | · | $18M | · | · | · | $17M | · | · | · | $15M | · | · | · | $14M | · | |
| Goodwill | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $4M | |
| Intangibles | $6M | $6M | $6M | $6M | $6M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $8M | $8M | $8M | |
| Total Assets | $1.04B | $1.06B | $1.04B | $1.02B | $1.00B | $1.01B | $979M | $1.01B | $978M | $985M | $969M | $961M | $951M | $948M | $929M | $963M | |
| Total Liabilities | $958M | $980M | $959M | $943M | $933M | $943M | $914M | $939M | $916M | $924M | $909M | $911M | $898M | $896M | $878M | $914M | |
| Common Stock | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | |
| Retained Earnings | $55M | $52M | $50M | $48M | $45M | $43M | $43M | $42M | $40M | $38M | $37M | $35M | $33M | $31M | $31M | $29M | |
| AOCI | $-17M | $-16M | $-15M | $-16M | $-19M | $-20M | $-23M | $-18M | $-23M | $-23M | $-22M | $-30M | $-25M | $-24M | $-27M | $-27M | |
| Stockholders' Equity | $83M | $81M | $80M | $77M | $72M | $68M | $65M | $69M | $62M | $60M | $60M | $50M | $53M | $52M | $50M | $48M | |
| Liabilities + Equity | $1.04B | $1.06B | $1.04B | $1.02B | $1.00B | $1.01B | $979M | $1.01B | $978M | $985M | $969M | $961M | $951M | $948M | $929M | $963M | |
| Shares Outstanding | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,543,338 | 4,560,038 | 4,628,657 | 4,628,657 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $352.0K | $346.0K | $335.0K | $331.0K | $338.0K | $324.0K | $406.0K | $282.0K | $346.0K | $344.0K | $328.0K | $356.0K | $232.0K | $491.0K | $1M | $391.0K | |
| Amort. of Intangibles | $140.0K | $140.0K | $141.0K | $140.0K | $140.0K | $140.0K | $140.0K | $140.0K | $140.0K | $140.0K | $140.0K | $46.0K | $234.0K | $140.0K | $140.0K | $140.0K | |
| Other Non-cash | · | $2M | · | · | · | $-403.0K | · | · | · | $-4M | · | · | · | $2M | · | · | |
| Operating Cash Flow | $632.0K | $5M | $2M | $5M | $4M | $763.0K | $2M | $5M | $3M | $-1M | $4M | $3M | $-2M | $5M | $4M | $4M | |
| CapEx | $300.0K | $382.0K | $633.0K | $-215.0K | $125.0K | $622.0K | $341.0K | $2M | $113.0K | $479.0K | $96.0K | $1M | $121.0K | $189.0K | $270.0K | $489.0K | |
| Investing Cash Flow | $-31M | $-20M | $-20M | $-6M | $-9M | $-8M | $-12M | $8M | $-7M | $124.0K | $-26M | $10M | $9M | $-17M | $12M | $-4M | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | $0 | $0 | $184.0K | $813.0K | $0 | · | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | · | · | · | · | $-813.0K | · | · | |
| Dividends Paid | $454.0K | $455.0K | $453.0K | $454.0K | $455.0K | $455.0K | $454.0K | $454.0K | $457.0K | $453.0K | $361.0K | $366.0K | $364.0K | $370.0K | $370.0K | $331.0K | |
| Financing Cash Flow | $-22M | $19M | $17M | $9M | $-12M | $29M | $-26M | $22M | $-9M | $14M | $-2M | $13M | $2M | $15M | $-36M | $6M | |
| Taxes Paid | · | · | $1M | $350.0K | · | · | $550.0K | $450.0K | · | · | $400.0K | $625.0K | · | · | $750.0K | $530.0K | |
| Free Cash Flow | · | $4M | · | · | · | $141.0K | · | · | · | $-2M | · | · | · | $5M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-5M | · | · | · | $3M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 282.0% | 279.1% | · | 263.1% | 277.3% | 85.8% | · | 200.8% | 217.9% | 229.5% | · | 207.0% | 265.3% | 201.8% | · | 196.0% | |
| Pretax Margin | 354.1% | 350.0% | · | 307.6% | 348.5% | 105.9% | · | 248.6% | 270.4% | 285.6% | · | 257.9% | 331.6% | 251.4% | · | 241.8% | |
| EBITDA Margin | · | 34.8% | · | · | · | 33.0% | · | · | · | 36.1% | · | · | · | 50.0% | · | · | |
| ROA | 0.32% | 0.27% | · | 0.27% | 0.27% | 0.08% | · | 0.20% | 0.22% | 0.23% | · | 0.22% | 0.27% | 0.21% | · | 0.27% | |
| ROE | 4.2% | 3.7% | · | 3.8% | 4.0% | 1.3% | · | 3.4% | 3.8% | 3.9% | · | 4.2% | 4.8% | 3.5% | · | 4.4% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $18.30 | $17.89 | · | $16.94 | $15.77 | $15.04 | · | $15.15 | $13.58 | $13.30 | · | $11.03 | $11.61 | $11.41 | · | $10.44 | |
| Revenue / Share | $0.25 | $0.22 | · | $0.23 | $0.21 | $0.22 | · | $0.22 | $0.22 | $0.21 | · | $0.22 | $0.21 | $0.21 | · | $0.28 | |
| Cash Flow / Share | · | $1.04 | · | · | · | $0.17 | · | · | · | $-0.27 | · | · | · | $1.04 | · | · | |
| Dividend / Share | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.10 | $0.08 | $0.08 | $0.08 | $0.08 | $0.08 | $0.07 | |
| EPS (TTM) | $2.52 | $2.41 | · | $1.76 | $1.59 | $1.46 | · | $1.85 | $1.87 | $1.96 | · | $1.88 | $1.97 | $1.89 | · | $1.88 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $4M | $4M | · | $4M | $4M | $4M | · | $4M | $4M | $4M | · | $4M | $4M | $4M | · | $3M | |
| Net Income TTM | $11M | $11M | · | $8M | $7M | $7M | · | $8M | $9M | $9M | · | $9M | $9M | $9M | · | $9M | |
| Market Cap | $116M | $94M | · | $71M | $64M | $67M | · | $62M | $51M | $47M | · | $48M | $41M | $48M | · | $59M | |
| P/E | 10.1 | 8.5 | · | 8.9 | 8.8 | 10.1 | · | 7.4 | 6.0 | 5.3 | · | 5.6 | 4.6 | 5.6 | · | 6.7 | |
| P/S | 26.0 | 21.8 | · | 17.4 | 15.9 | 16.7 | · | 16.1 | 13.1 | 12.2 | · | 12.0 | 9.7 | 12.0 | · | 18.0 | |
| P/B | 1.4 | 1.2 | · | 0.9 | 0.9 | 1.0 | · | 0.9 | 0.8 | 0.8 | · | 1.0 | 0.8 | 0.9 | · | 1.2 | |
| P / Tangible Book | 1.5 | 1.3 | · | 1.0 | 1.0 | 1.1 | · | 1.0 | 1.0 | 0.9 | · | 1.2 | 1.0 | 1.1 | · | 1.6 | |
| P / Cash Flow | · | 19.7 | · | · | · | 88.0 | · | · | · | -38.3 | · | · | · | 9.9 | · | · | |
| Dividend Yield | 1.6% | 1.9% | · | 2.6% | 2.9% | 2.7% | · | 2.8% | 3.2% | 3.3% | · | 3.1% | 3.5% | 2.9% | · | 2.3% | |
| Earnings Yield | 9.9% | 11.7% | · | 11.3% | 11.3% | 9.9% | · | 13.5% | 16.6% | 18.9% | · | 17.9% | 21.6% | 18.0% | · | 14.9% | |
| Payout Ratio | · | 16.4% | · | · | · | 54.0% | · | · | · | 20.7% | · | · | · | 18.6% | · | · | |
| Annual Payout | $2M | $2M | · | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $1M | $1M | $1M | · | $1M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenue | $4M | · | · | $4M | · |
| Net Income | $9M | · | · | $8M | · |
| Diluted EPS | $1.99 | · | · | $1.75 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $10M | · | · | $6M | · |
Institutional owners (13F) 45 filers · $39.9M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
45
Value held
$39.9M
New positions
17
Exited positions
0
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 17 (+13 vs prior Q) | 0 (-3 vs prior Q) | 12 (+5 vs prior Q) | 9 (+2 vs prior Q) | +88K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Fourthstone LLC | $8,600,422 | 334,491 | 21.53% | Shares |
| PETTYJOHN, WOOD & WHITE, INC | $5,585,275 | 218,859 | 13.98% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $4,064,213 | 159,256 | 10.17% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $3,674,293 | 143,977 | 9.20% | Shares |
| VANGUARD GROUP INC | $3,440,161 | 185,154 | 8.61% | Shares |
| Daytona Street Capital LLC | $2,005,821 | 79,078 | 5.02% | Shares |
| North Reef Capital Management LP | $1,279,369 | 50,132 | 3.20% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $1,077,303 | 42,202 | 2.70% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $961,645 | 37,682 | 2.41% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $948,356 | 37,178 | 2.37% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $894,680 | 35,058 | 2.24% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $770,117 | 30,177 | 1.93% | Shares |
| Empowered Funds, LLC | $629,885 | 24,682 | 1.58% | Shares |
| BlackRock, Inc. | $618,069 | 24,219 | 1.55% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $611,868 | 23,976 | 1.53% | Shares |
| FIRST MANHATTAN CO. LLC. | $569,377 | 22,311 | 1.43% | Shares |
| LPL Financial LLC | $486,248 | 19,054 | 1.22% | Shares |
| Krilogy Financial LLC | $482,328 | 18,900 | 1.21% | Shares |
| Hillsdale Investment Management Inc. | $433,840 | 17,000 | 1.09% | Shares |
| MontVue Capital Management, Inc. | $339,340 | 13,297 | 0.85% | Shares |
| RFG - Bristol Wealth Advisors, LLC | $290,698 | 11,391 | 0.73% | Shares |
| Fiduciary Trust Co | $256,425 | 10,048 | 0.64% | Shares |
| MARSHALL WACE, LLP | $245,375 | 9,615 | 0.61% | Shares |
| NORTHERN TRUST CORP | $232,104 | 9,095 | 0.58% | Shares |
| STATE STREET CORP | $222,024 | 8,700 | 0.56% | Shares |
| ENVESTNET ASSET MANAGEMENT INC | $220,491 | 8,640 | 0.55% | Shares |
| Plancorp, LLC | $215,408 | 8,250 | 0.54% | Shares |
| WELLS FARGO & COMPANY/MN | $162,057 | 6,350 | 0.41% | Shares |
| Atlantic Union Bankshares Corp | $153,120 | 6,000 | 0.38% | Shares |
| OSAIC HOLDINGS, INC. | $141,585 | 5,548 | 0.35% | Shares |
| MORGAN STANLEY | $102,338 | 4,010 | 0.26% | Shares |
| Vanguard Global Advisers, LLC | $74,263 | 2,910 | 0.19% | Shares |
| Mirae Asset Global Investments Co., Ltd. | $43,410 | 1,701 | 0.11% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $36,136 | 1,416 | 0.09% | Shares |
| Russell Investments Group, Ltd. | $25,169 | 1,019 | 0.06% | Shares |
| UBS Group AG | $21,769 | 853 | 0.05% | Shares |
| Farther Finance Advisors, LLC | $12,148 | 476 | 0.03% | Shares |
| Tower Research Capital LLC (TRC) | $7,758 | 304 | 0.02% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $7,353 | 300 | 0.02% | Shares |
| JPMORGAN CHASE & CO | $2,001 | 81 | 0.01% | Shares |
| BARCLAYS PLC | $383 | 15 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $318 | 12,643 | 0.00% | Shares |
| FMR LLC | $128 | 5 | 0.00% | Shares |
| Caitong International Asset Management Co., Ltd | $102 | 4 | 0.00% | Shares |
| SBI Securities Co., Ltd. | $51 | 2 | 0.00% | Shares |
Company insiders 24 insiders · 6 officers · 19 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Michael A Syrek | President - Bank of the James | Aug. 7, 2026 P | 13,700 | 1 | 0 | $2,705 |
| Robert R Chapman | President | Feb. 20, 2026 P | 124,118 | 1 | 0 | $25,068 |
| Todd J Scruggs | Secretary-Treasurer | Aug. 14, 2025 P | 33,349 | 0 | 0 | $0 |
| Harry P Umberger JR | EVP - Chief Credit Officer | Aug. 12, 2025 P | 2,025 | 0 | 0 | $0 |
| Eric John Sorenson JR | EVP | May 3, 2023 P | 2,039 | 0 | 0 | $0 |
| Angelia R Johnson | EVP - RETAIL | July 28, 2010 P | 100 | 0 | 0 | $0 |
| Lewis C Addison | Director | Aug. 10, 2026 P | 19,791 | 4 | 0 | $7,605 |
| William C Bryant III | Director | Aug. 6, 2026 P | 78,366 | 5 | 0 | $63,119 |
| Watt R Foster JR | Director | Aug. 6, 2026 P | 126,360 | 1 | 0 | $12,520 |
| Phillip C Jamerson | Director | May 7, 2026 P | 18,190 | 4 | 0 | $51,908 |
| John R Alford JR | Director | Feb. 16, 2024 P | 21,690 | 0 | 0 | $0 |
| Julie P Doyle | Director | Feb. 7, 2024 P | 9,853 | 0 | 0 | $0 |
| Aubrey Douglas Dalton III | Director | May 12, 2023 P | 11,353 | 0 | 0 | $0 |
| Augustus A Petticolas JR | Director | May 10, 2023 P | 2,560 | 0 | 0 | $0 |
| Thomas W Pettyjohn JR | Director | May 8, 2023 P | 17,225 | 0 | 0 | $0 |
| Lydia K Langley | Director | July 28, 2020 P | 45,400 | 0 | 0 | $0 |
| James F Daly | Director | Aug. 8, 2016 P | 75,000 | 0 | 0 | $0 |
| Richard R Zechini | Director | July 27, 2010 P | 44,373 | 0 | 0 | $0 |
| Donald M Giles | Director | May 10, 2010 P | 23,851 | 0 | 0 | $0 |
| Donna S Clark | Director | Dec. 29, 2006 P | 25,887 | 0 | 0 | $0 |
| Kenneth S White | Director | Dec. 29, 2006 P | 31,625 | 0 | 0 | $0 |
| James R Hughes JR | Director | Dec. 21, 2005 G | 63,625 | 0 | 0 | $0 |
| Ted F Counts | Director | May 25, 2004 P | 7,360 | 0 | 0 | $0 |
| Martin E Waltemeyer | · | Dec. 20, 2005 A | · | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 10 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.03% | 13,867 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 729 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,312 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 5,083 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 508 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 2,062 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 44,830 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 111,400 SH | Aug. 19, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 356 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 37 NS | July 31, 2026 | N-PORT |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
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Source: SEC 10-Q filed Aug 12, 2026