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Bank of the James Financial Group BOTJ Community Banking — Occupancy Net

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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:OccupancyNet.

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 — occupancy net?
Bank of the James Financial Group (BOTJ) reported community banking — occupancy net of $573K in Q1 2026.
How has Bank of the James Financial Group's community banking — occupancy net changed year-over-year?
Bank of the James Financial Group's community banking — occupancy net increased by 7.1% year-over-year, from $535K to $573K.
What is the long-term trend for Bank of the James Financial Group's community banking — occupancy net?
Over 2 years (2023 to 2025), Bank of the James Financial Group's community banking — occupancy net has grown at a 8.3% compound annual growth rate (CAGR), from $1.72M to $2.01M.
What does community banking — occupancy net mean?
This metric represents the net costs associated with maintaining physical branch locations and office spaces, including rent, utilities, and property maintenance. It provides insight into the overhead required to sustain a physical presence for customer-facing banking services.