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Bank of the James Financial Group BOTJ Issuance of related party loans

Issuance of related party loans at other companies

Auburn National Bancorporation logo
Auburn National BancorporationAUBN
$37.25K-74.2%
FRA
Franklin Financial Services CorporationFRAF
$3.72M-18.7%
Bank7 Corp. logo
Bank7 Corp.BSVN
$134K-42.9%
First BanCorp logo
First BanCorpFBP
$39.25K+30.8%
Trustco Bank Corp logo
Trustco Bank CorpTRST
$325K-63.9%
Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$197.5K-40.5%

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 / equity0×0.0×

Where this comes from

Reported directly by Bank of the James Financial Group in its filing.

Tagged under the XBRL concept us-gaap:LoansAndLeasesReceivableRelatedPartiesProceeds.

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 issuance of related party loans?
Bank of the James Financial Group (BOTJ) reported issuance of related party loans of $197.5K in Q4 2025.
How has Bank of the James Financial Group's issuance of related party loans changed year-over-year?
Bank of the James Financial Group's issuance of related party loans decreased by 40.5% year-over-year, from $332K to $197.5K.
What is the long-term trend for Bank of the James Financial Group's issuance of related party loans?
Over 4 years (2021 to 2025), Bank of the James Financial Group's issuance of related party loans has grown at a -45.2% compound annual growth rate (CAGR), from $8.74M to $790K.
What does issuance of related party loans mean?
Represents the total cash proceeds received from the repayment or settlement of loans and leases previously extended to related parties. This metric indicates the liquidity and repayment performance of the bank's related party lending portfolio. It helps investors evaluate the bank's ability to recover funds from insiders and manage related party credit exposure.