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Bank of the James Financial Group BOTJ Community Banking — Interest Income Expense Net

Other segment segments

All Other Segments
-$552K+21.5%
Holding Company
-$119K+30.4%

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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:InterestIncomeExpenseNet.

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 — interest income expense net?
Bank of the James Financial Group (BOTJ) reported community banking — interest income expense net of $8.85M in Q1 2026.
How has Bank of the James Financial Group's community banking — interest income expense net changed year-over-year?
Bank of the James Financial Group's community banking — interest income expense net increased by 12.2% year-over-year, from $7.89M to $8.85M.
What is the long-term trend for Bank of the James Financial Group's community banking — interest income expense net?
Over 4 years (2021 to 2025), Bank of the James Financial Group's community banking — interest income expense net has grown at a 5.3% compound annual growth rate (CAGR), from $27.08M to $33.31M.
What does community banking — interest income expense net mean?
This metric, often referred to as net interest income, represents the difference between the interest earned on assets and the interest paid on liabilities. It is the primary driver of profitability for the community banking segment and indicates the effectiveness of its net interest margin management.