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

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$12.42 $0.01 (0.1%) BOTJ stock closing price Oct 21, 2016 (Closing)

Financial analysis of Bank of the James Financial involves more than just checking the Bank of the James Financial stock price, by looking at the financial statements of the company in detail. An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. 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. 2015 revenue is $24.49M and has increased from $22.31M year on year as is evident when you compare the latest figures in the latest Bank of the James Financial profit and loss statement with those of the prior corresponding period. (See also:Bank of the James Financial assets and Bank of the James Financial free cash flow) 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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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Bank of the James Financial Net Sales or Revenues
Cost Of Goods Sold (COGS)2.06M1.63M1.76M-3.4M5.52M-7.08M7.39M5.45M
Bank of the James Financial Gross Profit
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
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)
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
Bank of the James Financial Earnings Per Share Diluted Net
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.

It is very helpful to read a report on Bank of the James Financial stock analysis. An investor must check the following items in an income statement:
  • 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: The word bottom line comes because it is usually the last line of the income statement and refers to the actual profits after deducting all expenses from the revenues. BOTJ stock had a healthy bottom line growth.
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)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield