Bank of the James (OQ:BOTJ)

Sector:  Financials Industry:  Banks
 
See Regulatory Filings on SEC
Company Contact
Address: 828 Main St
LYNCHBURG VA 24504-1500
Tel: N/A
Website: https://www.bankofthejames.com
IR: See website
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Key People
Michael A. Syrek
President of the Bank
Robert R. Chapman
President of Financial, Chief Executive Officer of the Bank, Director
J. Todd Scruggs
Treasurer of Financial, EVP, Chief Financial Officer of the Bank, Director
Harry P. Umberger
Executive Vice President - Senior Credit Officer of the Bank
   
Business Overview
Bank of the James (the Bank) is a full-service commercial and retail bank. The Bank is a wholly owned subsidiary of Bank of the James Financial Group, Inc. The Bank is engaged in a general retail and commercial banking business. The Bank's services include personal, business and online banking, loans, and investments. The Bank serves individuals, small and medium-sized businesses and professionals of the Central Virginia area from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Roanoke, Rustburg, and Wytheville. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. It also provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. It also provides investment advisory services through its wholly owned subsidiary, Pettyjohn, Wood & White, Inc.
Financial Overview
For the fiscal year ended 31 December 2023, Bank of the James interest income increased 24% to $39.4M. Net interest income after loan loss provision remained flat at $29.7M. Net income decreased 3% to $8.7M. Net interest income after loan loss provision reflects Net Interest Margin, Total - % increase of 2% to 3.29%, also reflect Community Banking segment decrease from $29.7M to $0K, Net Interest Spread, Total - % decrease of 3% to 3.06%.
Employees: 163 as of Mar 31, 2023
Reporting Currency: U.S. Dollars
Enterprise value: $42.02M as of Dec 31, 2023
Annual revenue (TTM): $39.36M as of Dec 31, 2023
EBITDA (TTM): $12.58M as of Dec 31, 2023
Net annual income (TTM): $8.70M as of Dec 31, 2023
Free cash flow (TTM): N/A
Net Debt Last Fiscal Year: N/A
Shares outstanding: 4,543,338 as of Dec 31, 2023
TTM: Trailing Twelve Months
EBITDA: Earnings Before Interest, Taxes, Depreciation, & Amortization

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