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Bank of the James Financial Group BOTJ Community Banking — Professional And Other Outside Expenses

Other segment segments

All Other Segments
$207K-10.8%
Investment Advisory Services
$37K0.0%
Holding Company
$22K0.0%

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$1.37M+1.6%

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 botj:ProfessionalAndOtherOutsideExpenses.

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 — professional and other outside expenses?
Bank of the James Financial Group (BOTJ) reported community banking — professional and other outside expenses of $711K in Q1 2026.
How has Bank of the James Financial Group's community banking — professional and other outside expenses changed year-over-year?
Bank of the James Financial Group's community banking — professional and other outside expenses decreased by 57.2% year-over-year, from $1.66M to $711K.
What is the long-term trend for Bank of the James Financial Group's community banking — professional and other outside expenses?
Over 2 years (2023 to 2025), Bank of the James Financial Group's community banking — professional and other outside expenses has grown at a 26.8% compound annual growth rate (CAGR), from $2.36M to $3.79M.
What does community banking — professional and other outside expenses mean?
This metric tracks expenditures for external professional services, including legal, consulting, audit, and outsourced administrative support. It highlights the reliance on third-party expertise to manage regulatory compliance, strategic initiatives, and specialized operational tasks within the community banking segment.