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

Other segment segments

All Other Segments
$9.03M+13.6%
Holding Company
$760K-9.6%
Investment Advisory Services
$401K-4.1%
Mortgage
$289K+28,800%

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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:NetIncomeLoss.

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 — net income loss?
Bank of the James Financial Group (BOTJ) reported community banking — net income loss of $2.31M in Q1 2026.
How has Bank of the James Financial Group's community banking — net income loss changed year-over-year?
Bank of the James Financial Group's community banking — net income loss increased by 301.9% year-over-year, from $574K to $2.31M.
What is the long-term trend for Bank of the James Financial Group's community banking — net income loss?
Over 4 years (2021 to 2025), Bank of the James Financial Group's community banking — net income loss has grown at a 6.0% compound annual growth rate (CAGR), from $5.73M to $7.24M.
What does community banking — net income loss mean?
This is the bottom-line profitability of the community banking segment after all operating expenses, interest costs, provisions for loan losses, and taxes have been deducted. It serves as the primary indicator of the segment's overall financial performance and contribution to the bank's total earnings.