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Bank of the James Financial Group BOTJ Savings deposits

Savings deposits at other companies

PRO
Provident Financial HoldingsPROV
$808.26M-0.5%
First National Corp. logo
First National Corp.FXNC
$953.4M+3.4%
Blue Ridge Bankshares logo
Blue Ridge BanksharesBRBS
$598.6M-5.4%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$2.45B+1.3%
Regions Financial logo
Regions FinancialRF
$91.82B+1.4%
Financial Institutions logo
Financial InstitutionsFISI
$744.69M-3.7%

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:InterestBearingDepositLiabilities.

The official record: Bank of the James Financial Group’s 10-K, filed March 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of the James Financial Group's savings deposits?
Bank of the James Financial Group (BOTJ) reported savings deposits of $399.61M in Q4 2025.
How has Bank of the James Financial Group's savings deposits changed year-over-year?
Bank of the James Financial Group's savings deposits increased by 5.4% year-over-year, from $379.09M to $399.61M.
What is the long-term trend for Bank of the James Financial Group's savings deposits?
Over 5 years (2020 to 2025), Bank of the James Financial Group's savings deposits has grown at a 2.0% compound annual growth rate (CAGR), from $362.78M to $399.61M.
What does savings deposits mean?
This metric measures the total balance of customer savings and money market deposit accounts held by the bank. It represents a core source of stable, low-cost funding used to support the bank's lending activities and overall balance sheet liquidity.