About Bank of the James Financial Group, Inc.
https://www.bankofthejames.bankBank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the Unites States.
CEO
Robert R. Chapman III
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2021-06-24 | Forward | 11:10 |
| 2010-06-21 | Forward | 11:10 |
ETFs Holding This Stock
Summary
Showing Top 3 of 19
Ratings Snapshot
Rating : A-
Price Target
Institutional Ownership
FOURTHSTONE LLC
Shares:291.78K
Value:$5.35M
PETTYJOHN, WOOD & WHITE, INC
Shares:255.97K
Value:$4.7M
EIDELMAN VIRANT CAPITAL
Shares:231.98K
Value:$4.26M
Summary
Showing Top 3 of 35
About Bank of the James Financial Group, Inc.
https://www.bankofthejames.bankBank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the Unites States.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $0 ▼ | $0 ▼ | $0 ▼ | 0% ▼ | $0.61 ▲ | $238K ▼ |
| Q2-2025 | $15.45M ▲ | $9.19M ▼ | $2.7M ▲ | 17.5% ▲ | $0.6 ▲ | $3.88M ▲ |
| Q1-2025 | $14.33M ▼ | $9.64M ▲ | $842K ▼ | 5.88% ▼ | $0.19 ▼ | $1.5M ▼ |
| Q4-2024 | $15.25M ▲ | $9.3M ▲ | $1.62M ▼ | 10.61% ▼ | $0.36 ▼ | $2.62M ▼ |
| Q3-2024 | $15.2M | $8.59M | $1.99M | 13.1% | $0.44 | $2.89M |
What's going well?
There are no positives this quarter – the company reported no revenue or profit. The only bright spot is that there was no share dilution.
What's concerning?
The company’s business appears to have stopped completely, with zero revenue or profit. This is a dramatic and worrying change from last quarter’s healthy results.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $0 ▼ | $1.02B ▲ | $943.15M ▲ | $76.97M ▲ |
| Q2-2025 | $26.07M ▼ | $1B ▼ | $932.58M ▼ | $71.67M ▲ |
| Q1-2025 | $31.21M ▼ | $1.01B ▲ | $943.38M ▲ | $68.35M ▲ |
| Q4-2024 | $38.67M ▼ | $979.24M ▼ | $914.38M ▼ | $64.86M ▼ |
| Q3-2024 | $215.16M | $1.01B | $939.23M | $68.83M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $2.75M ▲ | $5.27M ▲ | $-6.27M ▲ | $8.55M ▲ | $7.54M ▲ | $6.02M ▲ |
| Q2-2025 | $2.7M ▲ | $3.65M ▲ | $-8.78M ▼ | $-11.93M ▼ | $-17.06M ▼ | $3.53M ▲ |
| Q1-2025 | $842K ▼ | $763K ▼ | $-7.67M ▲ | $28.56M ▲ | $21.66M ▲ | $141K ▼ |
| Q4-2024 | $1.62M ▼ | $1.89M ▼ | $-11.87M ▼ | $-25.91M ▼ | $-35.9M ▼ | $1.54M ▼ |
| Q3-2024 | $1.99M | $4.97M | $7.61M | $22M | $34.58M | $3.35M |
Revenue by Products
| Product | Q2-2025 | Q1-2025 | Q3-2025 |
|---|---|---|---|
 Community Banking | $10.00M ▲ | $10.00M ▲ | $10.00M ▲ |
 Holding Company | $0 ▲ | $0 ▲ | $0 ▲ |
 Investment Advisory Services | $0 ▲ | $0 ▲ | $0 ▲ |
 Mortgage | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
Robert R. Chapman III
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2021-06-24 | Forward | 11:10 |
| 2010-06-21 | Forward | 11:10 |
ETFs Holding This Stock
Summary
Showing Top 3 of 19
Ratings Snapshot
Rating : A-
Price Target
Institutional Ownership
FOURTHSTONE LLC
Shares:291.78K
Value:$5.35M
PETTYJOHN, WOOD & WHITE, INC
Shares:255.97K
Value:$4.7M
EIDELMAN VIRANT CAPITAL
Shares:231.98K
Value:$4.26M
Summary
Showing Top 3 of 35