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Bank of the James Financial Group BOTJ Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
$309.64M+85.9%
C&F Financial logo
C&F FinancialCFFI
$24.11M+9.5%
Riverview Bancorp logo
Riverview BancorpRVSB
$9.03M-1.8%
PRO
Provident Financial HoldingsPROV
$8.84M-8.0%
VAB
Virginia National Bankshares CorporationVABK
$13.24M+6.3%
National Bankshares logo
National BanksharesNKSH
$12.7M+27.3%

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 net interest income (after provisions)?
Bank of the James Financial Group (BOTJ) reported net interest income (after provisions) of $8.88M in Q1 2026.
How has Bank of the James Financial Group's net interest income (after provisions) changed year-over-year?
Bank of the James Financial Group's net interest income (after provisions) increased by 17.1% year-over-year, from $7.58M to $8.88M.
What is the long-term trend for Bank of the James Financial Group's net interest income (after provisions)?
Over 4 years (2021 to 2025), Bank of the James Financial Group's net interest income (after provisions) has grown at a 4.5% compound annual growth rate (CAGR), from $27.58M to $32.84M.
What does net interest income (after provisions) mean?
This metric is calculated by subtracting the provision for loan and lease losses from net interest income. It reflects the bank's core interest-based earnings after accounting for the estimated credit risk and potential defaults within the loan portfolio.