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Bank of the James Financial Group BOTJ Deposit Liabilities Reclassified as Loans Receivable

Deposit Liabilities Reclassified as Loans Receivable at other companies

PRO
Provident Financial HoldingsPROV
$17K-29.2%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$800K-11.1%

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:DepositLiabilitiesReclassifiedAsLoansReceivable1.

The official record: Bank of the James Financial Group’s 10-K, filed March 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of the James Financial Group's deposit liabilities reclassified as loans receivable?
Bank of the James Financial Group (BOTJ) reported deposit liabilities reclassified as loans receivable of $535K in Q4 2025.
How has Bank of the James Financial Group's deposit liabilities reclassified as loans receivable changed year-over-year?
Bank of the James Financial Group's deposit liabilities reclassified as loans receivable increased by 1063.0% year-over-year, from $46K to $535K.
What is the long-term trend for Bank of the James Financial Group's deposit liabilities reclassified as loans receivable?
Over 5 years (2020 to 2025), Bank of the James Financial Group's deposit liabilities reclassified as loans receivable has grown at a 65.6% compound annual growth rate (CAGR), from $43K to $535K.
What does deposit liabilities reclassified as loans receivable mean?
This metric captures instances where deposit liabilities are reclassified as loans receivable due to specific contractual or regulatory triggers. It reflects unique balance sheet adjustments where customer funds are effectively converted into credit extensions, impacting both liquidity and lending metrics.