Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | $1.76M | $1.87M | $1.78M | $2.03M | $2.50M | $3.59M | $3.90M | $4.00M | $4.27M |
| Revenue growth | — | — | 6.4% | -4.6% | 13.9% | 22.8% | 43.9% | 8.6% | 2.6% | 6.7% |
| Net income | $3.29M | $2.92M | $5.30M | $5.61M | $4.98M | $7.59M | $8.96M | $8.70M | $7.94M | $9.02M |
| Net margin | — | 166.1% | 283.4% | 314.0% | 245.0% | 304.0% | 249.5% | 223.1% | 198.5% | 211.1% |
| EPS (diluted) | $0.75 | $0.67 | $1.21 | $1.28 | $1.04 | $1.60 | $1.91 | $1.91 | $1.75 | $1.99 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $2.79M | $6.72M | $8.57M | $5.59M | $5.20M | $16.3M | $9.31M | $9.49M | $8.51M | $11.7M |
| Capital expenditures | $1.71M | $1.92M | $2.30M | $4.40M | $1.75M | $2.91M | $1.19M | $1.57M | $2.55M | $1.17M |
| Free cash flow | $1.08M | $4.80M | $6.27M | $1.19M | $3.45M | $13.4M | $8.12M | $7.92M | $5.96M | $10.5M |
| Share buybacks | — | — | — | $315K | $275K | $427K | $1.40M | $997K | — | — |
| Dividends paid | $1.05M | $1.05M | $1.05M | $1.23M | $1.22M | $1.27M | $1.36M | $1.46M | $1.82M | $1.82M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $28.7M | $37.0M | $50.3M | $39.1M | $101M | $183M | $61.8M | $74.8M | $73.3M | $84.5M |
| Total assets | $574M | $626M | $675M | $725M | $851M | $988M | $929M | $969M | $979M | $1.04B |
| Total liabilities | $525M | $575M | $620M | $664M | $785M | $918M | $878M | $909M | $914M | $959M |
| Shareholders' equity | $49.4M | $51.7M | $55.1M | $61.4M | $66.7M | $69.4M | $50.2M | $60.0M | $64.9M | $80.0M |
| Retained earnings | $10.2M | $12.3M | $16.5M | $20.9M | $24.7M | $23.4M | $31.0M | $36.7M | $42.8M | $50.0M |
| Shares (wtd avg diluted) | 4.38M | 4.38M | 4.38M | 4.38M | 4.78M | 4.75M | 4.70M | 4.56M | 4.54M | 4.54M |
Every figure is extracted from BANK OF THE JAMES FINANCIAL GROUP INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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