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Bank of the James Financial Group BOTJ Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

Riverview Bancorp logo
Riverview BancorpRVSB
$243K+7.5%
VAB
Virginia National Bankshares CorporationVABK
$319K+8.9%
National Bankshares logo
National BanksharesNKSH
$301K+3.1%
Citizens & Northern logo
Citizens & NorthernCZNC
$515K+12.7%
Financial Institutions logo
Financial InstitutionsFISI
$2.77M-0.2%
C&F Financial logo
C&F FinancialCFFI

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:BankOwnedLifeInsuranceIncome.

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 bank owned life insurance income?
Bank of the James Financial Group (BOTJ) reported bank owned life insurance income of $211K in Q1 2026.
How has Bank of the James Financial Group's bank owned life insurance income changed year-over-year?
Bank of the James Financial Group's bank owned life insurance income increased by 12.2% year-over-year, from $188K to $211K.
What is the long-term trend for Bank of the James Financial Group's bank owned life insurance income?
Over 4 years (2021 to 2025), Bank of the James Financial Group's bank owned life insurance income has grown at a 15.6% compound annual growth rate (CAGR), from $430K to $769K.
What does bank owned life insurance income mean?
This reflects the income generated from the increase in the cash surrender value of life insurance policies held by the bank on the lives of key employees. It is a common non-interest income source used by financial institutions to offset benefit-related costs.