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Bank of the James Financial Group BOTJ Mortgage — Labor And Related Expense

Other segment segments

Community Banking
$4.33M+15.8%
Investment Advisory Services
$450K+7.9%

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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:LaborAndRelatedExpense.

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 — labor and related expense?
Bank of the James Financial Group (BOTJ) reported mortgage — labor and related expense of $720K in Q1 2026.
How has Bank of the James Financial Group's mortgage — labor and related expense changed year-over-year?
Bank of the James Financial Group's mortgage — labor and related expense increased by 15.8% year-over-year, from $622K to $720K.
What is the long-term trend for Bank of the James Financial Group's mortgage — labor and related expense?
Over 2 years (2023 to 2025), Bank of the James Financial Group's mortgage — labor and related expense has grown at a 11.7% compound annual growth rate (CAGR), from $2.59M to $3.23M.
What does mortgage — labor and related expense mean?
This metric represents the total compensation, benefits, and payroll-related costs incurred by the mortgage business segment. It reflects the investment in human capital required to originate, process, and service mortgage loans. Monitoring this helps assess the operational scalability and labor efficiency of the mortgage division.