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Bank of the James Financial Group BOTJ Gross loans

Gross loans at other companies

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$2.81B-61.0%
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$329.24B—
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$2.04B+6.9%
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$1.08B+2.9%
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$997M+99,600%
VAB
Virginia National Bankshares CorporationVABK
$1.23B-0.4%

Segments

By segment

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Community Banking$649.13M+1.0%

Other financials

Income statement

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Revenue$12.7M+15.4%
Net income$2.8M+229%
EPS (diluted)$0.61+221%

Balance sheet

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Cash & equivalents$88.0M-7.3%
Total debt$3.3M-14.8%
Total equity$81.3M+18.9%
Total assets$1.1B+4.9%

Cash flow

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Operating cash flow$4.7M+521%
CapEx$382.0K-38.6%
Free cash flow$4.4M+2,990%

Valuation

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Market cap$116.4M+84.6%
P/E10.6×+1.8×
P/S2.3×+0.9×

Profitability

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Net margin21.8%+7.1pp
FCF margin29.2%+11.9pp

Returns & leverage

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Return on equity14.6%+4.4pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Bank of the James Financial Group in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss.

The official record: Bank of the James Financial Group’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of the James Financial Group's gross loans?
Bank of the James Financial Group (BOTJ) reported gross loans of $655.33M in Q1 2026.
How has Bank of the James Financial Group's gross loans changed year-over-year?
Bank of the James Financial Group's gross loans increased by 0.9% year-over-year, from $649.41M to $655.33M.
What is the long-term trend for Bank of the James Financial Group's gross loans?
Over 5 years (2020 to 2025), Bank of the James Financial Group's gross loans has grown at a 1.9% compound annual growth rate (CAGR), from $609.09M to $667.81M.
What does gross loans mean?
Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.