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Bank of the James Financial Group BOTJ Community Banking — Equipment Expense

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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×

Where this comes from

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

Tagged under the XBRL concept us-gaap:EquipmentExpense.

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 community banking — equipment expense?
Bank of the James Financial Group (BOTJ) reported community banking — equipment expense of $723K in Q1 2026.
How has Bank of the James Financial Group's community banking — equipment expense changed year-over-year?
Bank of the James Financial Group's community banking — equipment expense increased by 11.9% year-over-year, from $646K to $723K.
What is the long-term trend for Bank of the James Financial Group's community banking — equipment expense?
Over 2 years (2023 to 2025), Bank of the James Financial Group's community banking — equipment expense has grown at a 7.8% compound annual growth rate (CAGR), from $2.28M to $2.65M.
What does community banking — equipment expense mean?
This metric measures the costs related to the maintenance, depreciation, and leasing of hardware and equipment used in banking operations. It reflects the capital intensity of the segment's physical infrastructure, such as branch technology, ATMs, and office equipment.