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Bank of THE James Financial Group (BOTJ) Q3 FY2021 earnings: revenue $10 million, up 4.1% on the year

Bank of THE James Financial Group Inc. (BOTJ) reported revenue of $10 million for Q3 FY2021, the quarter ended 30 September 2021, up 4.1% on the same quarter a year earlier as this quarter's filing gives it. Net income was $2 million, up 29.4% on the year as this quarter's filing gives it, and diluted earnings per share $0.40. The figures are the company's own, from the 10-Q it filed with the SEC on 12 November 2021.

Revenue$10 millionup 4.1% on the year
Net income$2 millionup 29.4% on the year
Diluted EPS$0.40
QuarterQ3 FY2021ended 30 September 2021

The quarter, against the one before and a year earlier

LineQ3 FY2021Quarter beforeA year earlierChange on the year
Revenue9.6n/an/an/a
Interest expense0.5n/an/an/a
Pre-tax income2.3n/an/an/a
Income tax0.5n/an/an/a
Effective tax rate19.8%n/an/a
Net income1.9n/an/an/a
Net margin19.5%n/an/a
Diluted EPS$0.40n/an/an/a
$ million except per share.
Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow and capital returned

LineQ3 FY2021Quarter beforeA year earlierChange on the year
Operating cash flow0.9n/an/an/a
Capital expenditure0.5n/an/an/a
Free cash flow0.4n/an/an/a
Cash from investing-10.9n/an/an/a
Cash from financing34.0n/an/an/a
Depreciation and amortisation0.4n/an/an/a
Share-based compensation0.0n/an/an/a
Buybacks0.0n/an/an/a
Dividends paid0.3n/an/an/a
Dividend per share$0.07n/an/an/a
Diluted shares, weighted5mn/an/an/a
Shares outstanding at period end5mn/an/an/a

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

LineQ3 FY2021Quarter beforeA year earlierChange on the year
Shareholders' equity68.9n/an/an/a
Deposits854n/an/an/a
Debt10.0n/an/an/a
Other liabilities9.9n/an/an/a
Total liabilities and equity943n/an/an/a
Fixed assets17.2n/an/an/a
Securities held for sale or to maturity3.7n/an/an/a
Loans584n/an/an/a
Cash and equivalents147n/an/an/a
Other assets191n/an/an/a
Total assets943n/an/an/a

Questions

What was Bank of THE James Financial Group's revenue in Q3 FY2021?

Bank of THE James Financial Group (BOTJ) reported revenue of $10 million for Q3 FY2021, the quarter ended 30 September 2021, up 4.1% on the same quarter a year earlier as the company restated it.

How much did Bank of THE James Financial Group earn in Q3 FY2021?

Net income for Q3 FY2021 was $2 million, up 29.4% on the year, and diluted earnings per share $0.40.

When did Bank of THE James Financial Group report Q3 FY2021 results?

Bank of THE James Financial Group filed its 10-Q for the quarter ended 30 September 2021 with the SEC on 12 November 2021.

Quarterly results, the last 20 quarters

Q3 FY2021Q4 FY2021 *Q1 FY2022Q2 FY2022Q3 FY2022Q4 FY2022 *Q1 FY2023Q2 FY2023Q3 FY2023Q4 FY2023 *Q1 FY2024Q2 FY2024Q3 FY2024Q4 FY2024 *Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue9.69.710.010.211.811.010.710.810.610.610.311.311.311.511.012.312.512.912.713.7
Interest expense0.50.50.50.50.50.71.52.22.83.13.6n/an/an/an/an/an/an/an/an/a
Pre-tax income2.32.32.72.93.22.42.53.22.62.12.72.72.52.11.03.43.23.53.54.1
Tax rate20%19%20%20%19%18%20%20%20%-3%20%19%19%22%19%20%14%22%20%20%
Net income1.91.92.12.32.62.02.02.52.12.12.22.12.01.60.82.72.82.72.83.2
Net margin20%19%21%23%22%18%19%23%20%20%21%19%18%14%8%22%22%21%22%24%
Diluted EPS$0.40$0.40$0.45$0.48$0.55$0.42$0.43$0.56$0.46$0.45$0.48$0.47$0.44$0.36$0.19$0.60$0.61$0.60$0.61$0.71
Operating cash flow0.96.9-3.04.14.2n/a4.8-2.23.43.5-1.22.95.01.90.83.75.32.04.70.6
Capital expenditure0.51.50.10.40.50.30.20.11.20.10.50.11.60.30.60.1n/a0.60.40.3
Free cash flow0.45.4-3.03.73.7n/a4.6-2.32.23.4-1.72.83.41.50.13.5n/a1.34.40.3
Buybacks0.00.0n/an/an/an/a0.80.20.00.0n/an/an/an/an/an/an/an/an/an/a
Dividends paid0.30.30.30.30.30.40.40.40.40.40.50.50.50.50.50.50.50.50.50.5
Shares outstanding5m5m5m5m5m5m5m5m5m5m5m5m5m5m5m5m5m5m5m5m
Filing10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

10-Q for the period ended 30 September 2021, filed 12 November 2021: the filing.