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Bank of the James Financial Group BOTJ Lease Liability Payments - Due Year Three

Lease Liability Payments - Due Year Three at other companies

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$377K-13.5%
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$2.88M+2.1%
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$2.75M-2.2%
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$4.83M+5.1%
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Center BancorpCNOB
$4.5M+57.1%

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:LesseeOperatingLeaseLiabilityPaymentsDueYearThree.

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 lease liability payments - due year three?
Bank of the James Financial Group (BOTJ) reported lease liability payments - due year three of $142K in Q4 2025.
How has Bank of the James Financial Group's lease liability payments - due year three changed year-over-year?
Bank of the James Financial Group's lease liability payments - due year three decreased by 24.1% year-over-year, from $187K to $142K.
What is the long-term trend for Bank of the James Financial Group's lease liability payments - due year three?
Over 4 years (2021 to 2025), Bank of the James Financial Group's lease liability payments - due year three has grown at a 6.6% compound annual growth rate (CAGR), from $110K to $142K.
What does lease liability payments - due year three mean?
The contractual cash obligations for operating and finance leases due in the third year following the balance sheet date. This metric helps in mapping out the long-term fixed cost profile of the company. It is essential for evaluating the sustainability of lease-related cash outflows over a multi-year horizon.