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Bank of the James Financial Group BOTJ Mortgage — Occupancy Net

Other segment segments

Community Banking
$723K+11.9%
Investment Advisory Services
$33K0.0%
Holding Company
$1K0.0%

Similar metrics at other companies

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CFFIMortgage Banking — Occupancy Net
$215K+0.9%
First BanCorp logo
FBPMortgage Banking — Occupancy Net
$1.38M-9.2%
Waterstone Financial logo
WSBFMortgage Banking — Occupancy Net
$863K+1.2%
Hilltop Holdings logo
HTHMortgage Origination — Occupancy Net
$4.2M-12.1%
MVB Financial Corp. logo
MVBFMortgage Banking — Occupancy expense
$0
Meridian logo
MRBKMortgage — Occupancy and equipment
$246K-54.1%

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 mortgage — occupancy net?
Bank of the James Financial Group (BOTJ) reported mortgage — occupancy net of $32K in Q1 2026.
How has Bank of the James Financial Group's mortgage — occupancy net changed year-over-year?
Bank of the James Financial Group's mortgage — occupancy net decreased by 0.0% year-over-year, from $32K to $32K.
What is the long-term trend for Bank of the James Financial Group's mortgage — occupancy net?
Over 2 years (2023 to 2025), Bank of the James Financial Group's mortgage — occupancy net has grown at a 13.4% compound annual growth rate (CAGR), from $91K to $117K.
What does mortgage — occupancy net mean?
This metric reflects the net costs associated with the physical facilities and office space utilized by the mortgage segment, including rent, utilities, and maintenance. It provides insight into the overhead burden required to maintain a physical presence for mortgage operations. Managing this expense is critical for maintaining the overall profitability of the segment.