How has Bank of the James Financial Group's net investment in lease changed year-over-year?

Bank of the James Financial Group's net investment in lease decreased by 11.2% year-over-year, from $1.23M to $1.09M.

What is the long-term trend for Bank of the James Financial Group's net investment in lease?

Over 5 years (2020 to 2025), Bank of the James Financial Group's net investment in lease has grown at a -4.3% compound annual growth rate (CAGR), from $1.36M to $1.09M.

Bank of the James Financial Group BOTJ Net Investment in Lease

Net Investment in Lease at other companies

PRO

Provident Financial HoldingsPROV

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VAB

Virginia National Bankshares CorporationVABK

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First Community CorporationFCCO

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Blue Ridge BanksharesBRBS

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Capital City Bank GroupCCBG

——

Financial InstitutionsFISI

——

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:OperatingLeaseRightOfUseAsset.

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 net investment in lease?: Bank of the James Financial Group (BOTJ) reported net investment in lease of $1.09M in Q4 2025.
How has Bank of the James Financial Group's net investment in lease changed year-over-year?: Bank of the James Financial Group's net investment in lease decreased by 11.2% year-over-year, from $1.23M to $1.09M.
What is the long-term trend for Bank of the James Financial Group's net investment in lease?: Over 5 years (2020 to 2025), Bank of the James Financial Group's net investment in lease has grown at a -4.3% compound annual growth rate (CAGR), from $1.36M to $1.09M.