Revenue: As of FY2025 Q3, the actual value is USD 15.94 M.EPS: As of FY2025 Q3, the actual value is USD 0.61.EBIT: As of FY2025 Q3, the actual value is USD -5.082 M.<h3>Community Banking Segment</h3><ul><li>Net Interest Income: $8,334,000 for the three months ended September 30, 2025, compared to $7,643,000 for the same period in 2024.</li><li>Total Loans Held for Investment: $653.3 million at September 30, 2025, compared to $636.6 million at December 31, 2024.</li><li>Total Deposits: $922.1 million at September 30, 2025, compared to $882.4 million at December 31, 2024.</li></ul><h3>Mortgage Banking Segment</h3><ul><li>Gains on Sales of Loans: $1,242,000 for the three months ended September 30, 2025, compared to $1,326,000 for the same period in 2024.</li><li>Salaries and Employee Benefits: $919,000 for the three months ended September 30, 2025, compared to $835,000 for the same period in 2024.</li></ul><h3>Investment Advisory Segment</h3><ul><li>Wealth Management Fees: $1,362,000 for the three months ended September 30, 2025, compared to $1,244,000 for the same period in 2024.</li><li>Assets Under Management (AUM): $984.7 million at September 30, 2025, compared to $854.0 million at December 31, 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $9,686,000 for the nine months ended September 30, 2025, compared to $6,623,000 for the same period in 2024.</li><li>Net Cash Used in Investing Activities: - $22,721,000 for the nine months ended September 30, 2025, compared to $696,000 provided in the same period in 2024.</li><li>Net Cash Provided by Financing Activities: $25,177,000 for the nine months ended September 30, 2025, compared to $27,050,000 for the same period in 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The Bank intends to enhance profitability by increasing market share in its service areas, providing additional services to customers, and controlling costs.</li><li>Non-Core Business: The Bank is considering opening additional branches, subject to regulatory approval, and continues to evaluate suitable branch locations for expansion.</li></ul>

Bank Of The James | 10-Q: FY2025 Q3 Revenue: USD 15.94 M