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Bank of the James Financial Group BOTJ Mortgage — Equipment Expense

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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:EquipmentExpense.

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 mortgage — equipment expense?
Bank of the James Financial Group (BOTJ) reported mortgage — equipment expense of $14K in Q1 2026.
How has Bank of the James Financial Group's mortgage — equipment expense changed year-over-year?
Bank of the James Financial Group's mortgage — equipment expense decreased by 0.0% year-over-year, from $14K to $14K.
What is the long-term trend for Bank of the James Financial Group's mortgage — equipment expense?
Over 2 years (2023 to 2025), Bank of the James Financial Group's mortgage — equipment expense has grown at a -16.0% compound annual growth rate (CAGR), from $85K to $60K.
What does mortgage — equipment expense mean?
This metric tracks the costs associated with the purchase, lease, and maintenance of technology and hardware used specifically by the mortgage segment. It reflects the capital intensity and technological infrastructure required to support mortgage operations. Controlling these expenses is essential for maintaining operational efficiency in a digital-first lending environment.