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Bank of the James Financial Group BOTJ Holding Company — Interest Income Expense Net

Other segment segments

Community Banking
$8.85M+12.2%
All Other Segments
-$552K+21.5%

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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 holding company — interest income expense net?
Bank of the James Financial Group (BOTJ) reported holding company — interest income expense net of -$119K in Q1 2026.
How has Bank of the James Financial Group's holding company — interest income expense net changed year-over-year?
Bank of the James Financial Group's holding company — interest income expense net increased by 30.4% year-over-year, from -$171K to -$119K.
What does holding company — interest income expense net mean?
This metric measures the net interest result for the holding company segment, calculated as interest income earned on assets minus interest expense paid on liabilities. It indicates the profitability of the holding company's treasury and financing activities. A positive value suggests the holding company is generating a spread on its capital, while a negative value indicates a net cost of funding.