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Bank of the James Financial Group BOTJ Gain (Loss) on Sales of Loans, Net

Gain (Loss) on Sales of Loans, Net at other companies

Citizens & Northern logo
Citizens & NorthernCZNC
$370K+80.5%
Financial Institutions logo
Financial InstitutionsFISI
$125K+6.8%
First Community Corporation logo
First Community CorporationFCCO

Segments

By segment

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Mortgage$1.2M+42.9%

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:GainLossOnSalesOfLoansNet.

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 gain (loss) on sales of loans, net?
Bank of the James Financial Group (BOTJ) reported gain (loss) on sales of loans, net of $1.2M in Q1 2026.
How has Bank of the James Financial Group's gain (loss) on sales of loans, net changed year-over-year?
Bank of the James Financial Group's gain (loss) on sales of loans, net increased by 42.9% year-over-year, from $837K to $1.2M.
What is the long-term trend for Bank of the James Financial Group's gain (loss) on sales of loans, net?
Over 4 years (2021 to 2025), Bank of the James Financial Group's gain (loss) on sales of loans, net has grown at a -12.5% compound annual growth rate (CAGR), from $8.27M to $4.85M.
What does gain (loss) on sales of loans, net mean?
Represents the net profit or loss realized from the sale of loans, typically mortgage or commercial loans, to the secondary market. This non-interest income stream is often driven by mortgage banking activities and market demand for loan assets. It reflects the bank's ability to generate fee-based revenue by originating and selling loans rather than holding them to maturity.