What does other contractual commitments mean?

This represents the total value of non-cancelable obligations arising from various business contracts and agreements. It provides visibility into future cash outflows and potential liquidity demands that the bank is legally obligated to fulfill.

Bank of the James Financial Group BOTJ Other Contractual Commitments

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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:FairValueDisclosureOffbalanceSheetRisksAmountLiability.

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 other contractual commitments?: Bank of the James Financial Group (BOTJ) reported other contractual commitments of $183.44M in Q4 2025.
What does other contractual commitments mean?: This represents the total value of non-cancelable obligations arising from various business contracts and agreements. It provides visibility into future cash outflows and potential liquidity demands that the bank is legally obligated to fulfill.