Bank of the James Financial Annual Income Statement (NASDAQ:BOTJ)

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$15 $0.3 (1.96%) BOTJ stock closing price Dec 09, 2016 (Closing)

Looking at financial statements, along with the Bank of the James Financial stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   In the income statement, an investor can look at important parameters like revenue, gross profits, net profits, and EPS basic to gain deeper insights. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the BOTJ stock is bound to reflect the impact of the YoY growth of $2.18M. Along with Bank of the James Financial assets and Bank of the James Financial free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have increased from $3.41M YoY and 2015 revenue is $24.49M. Bank of the James Financial revenue for 2015 is $24.49M. View revenue and profit details for latest and last 10 financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Bank of the James Financial Net Sales or Revenues
24.49M22.31M21.9M22.37M23.19M25.1M-19.54M20.46M16.99M
Cost Of Goods Sold (COGS)2.06M1.63M1.76M-3.4M5.52M-7.08M7.39M5.45M
Bank of the James Financial Gross Profit
22.43M20.67M20.14M-19.79M19.58M-12.46M13.06M11.53M
Research & Development Expense----------
Selling General & Admin Expense16.46M15.29M15.36M-18.25M16.08M15.42M11.38M9.47M8.56M
Income Before Depreciation Depletion Amortization5.97M5.38M4.77M-1.54M3.49M-15.42M1.07M3.59M2.97M
Depreciation Depletion Amortization----0.24M0.19M0.19M0.78M--
Non Operating Income-------0.01M--
Interest Expense0.63M0.68M0.67M-0.79M0.86M-0.93M0.43M0.22M
Bank of the James Financial Pretax Income
5.34M4.7M4.1M-0.5M2.43M-1.33M-0.63M3.16M2.74M
Provision for Income Taxes1.65M1.28M1.04M--0.09M0.61M-0.69M-0.86M1.07M0.98M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations3.69M3.41M3.06M2.13M0.6M1.82M-0.64M0.22M2.08M1.76M
Extraordinary Items & Discontinued Operations----------
Bank of the James Financial Net Income (Profit/Loss)
3.69M3.41M3.06M2.13M0.6M1.82M-0.64M0.22M2.08M1.76M
Average Shares used to compute Diluted EPS3.45M3.37M3.35M3.34M3.33M3.3M3.26M3.08M--
Average Shares used to compute Basic EPS3.45M3.37M3.35M3.34M3.33M3.3M3.26M3.08M--
Income Before Nonrecurring Items3.69M3.41M3.06M2.13M0.6M1.82M-0.64M0.22M--
Income from Nonrecurring Items----------
Bank of the James Financial Earnings Per Share Basic Net
1.071.010.910.640.180.55-0.200.07--
Bank of the James Financial Earnings Per Share Diluted Net
1.071.010.910.640.180.55-0.200.07--
EPS Diluted Before Nonrecurring Items1.071.010.910.640.180.55-0.200.07--
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.220.15--------
All figures in USD. M: Millions of USD, B: Billions of USD.
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Before investing one should read a report on Bank of the James Financial stock analysis. It helps to look at the following income statement items:
  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: Bank of the James Financial revenue chart) implies that the company is growing, which has been the case with Bank of the James Financial. One must stay away from stocks whose revenues are declining.
  • Bottom line: This refers to the last line in a profit and loss statement and denotes the net profit or loss for a particular period. The figure currently stands at $3.69M for Bank of the James Financial for 2015. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
The income statement is also called statement of revenue and expense. The financials along with Bank of the James Financial historical stock prices provides a lot of details about the firm. .

Bank of the James Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
16.6670
PS ratio (
price sales ratio
)
2.5396
Operating margin
22.9
Net profit margin
15.7
Dividend yield
1.6%