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Bank of the James Financial Group BOTJ Capital Conservation Buffer

Capital Conservation Buffer at other companies

Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$0.080.0%
Home Bancorp logo
Home BancorpHBCP
$0.16+5.7%
Pathward Financial, Inc. logo
Pathward Financial, Inc.CASH
$0.060.0%
GBC
Glacier BancorpGBCI
$0.080.0%
MainStreet Bancshares, Inc. logo
MainStreet Bancshares, Inc.MNSB
8%0.0pp
Orange County Bancorp logo
Orange County BancorpOBT
8%0.0pp

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 botj:CapitalConservationBuffer.

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 capital conservation buffer?
Bank of the James Financial Group (BOTJ) reported capital conservation buffer of 2.5% in Q4 2025.
How has Bank of the James Financial Group's capital conservation buffer changed year-over-year?
Bank of the James Financial Group's capital conservation buffer decreased by 0.0% year-over-year, from 2.5% to 2.5%.
What does capital conservation buffer mean?
Represents the additional amount of high-quality capital, such as Common Equity Tier 1, that a bank is required to hold above regulatory minimums to absorb losses during periods of financial stress. This metric is a critical indicator of the institution's capital adequacy and its ability to withstand economic downturns. It serves as a primary measure of financial stability and regulatory compliance.