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

Lease Liability Payments - Due Year Four at other companies

PRO
Provident Financial HoldingsPROV
$247K+75.2%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$2.85M+3.9%
Financial Institutions logo
Financial InstitutionsFISI
$2.46M-3.1%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$4.77M+6.4%

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:LesseeOperatingLeaseLiabilityPaymentsDueYearFour.

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 four?
Bank of the James Financial Group (BOTJ) reported lease liability payments - due year four of $127K in Q4 2025.
How has Bank of the James Financial Group's lease liability payments - due year four changed year-over-year?
Bank of the James Financial Group's lease liability payments - due year four decreased by 10.6% year-over-year, from $142K to $127K.
What is the long-term trend for Bank of the James Financial Group's lease liability payments - due year four?
Over 4 years (2021 to 2025), Bank of the James Financial Group's lease liability payments - due year four has grown at a 3.7% compound annual growth rate (CAGR), from $110K to $127K.
What does lease liability payments - due year four mean?
The contractual cash obligations for operating and finance leases due in the fourth year following the balance sheet date. This is part of the long-term lease maturity schedule that helps investors assess the company's future fixed cost burden. It allows for better modeling of long-term capital allocation and cash flow stability.