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Bank of the James Financial Group BOTJ Deferred Tax Asset Unfunded Commitment Liability

Deferred Tax Asset Unfunded Commitment Liability at other companies

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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×

Where this comes from

Reported directly by Bank of the James Financial Group in its filing.

Tagged under the XBRL concept botj:DeferredTaxAssetUnfundedCommitmentLiability.

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 deferred tax asset unfunded commitment liability?
Bank of the James Financial Group (BOTJ) reported deferred tax asset unfunded commitment liability of $141K in Q4 2025.
What is the long-term trend for Bank of the James Financial Group's deferred tax asset unfunded commitment liability?
Over 2 years (2023 to 2025), Bank of the James Financial Group's deferred tax asset unfunded commitment liability has grown at a 1.4% compound annual growth rate (CAGR), from $137K to $141K.
What does deferred tax asset unfunded commitment liability mean?
This represents the deferred tax asset associated with the liability recognized for unfunded loan commitments. It reflects the timing difference between the accounting recognition of these potential credit obligations and their eventual tax deductibility. This metric provides insight into the tax implications of the bank's off-balance sheet credit exposure.