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Bank of the James Financial Group BOTJ Deferred Tax Assets Nonaccrual Interest

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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:DeferredTaxAssetsNonaccrualInterest.

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 assets nonaccrual interest?
Bank of the James Financial Group (BOTJ) reported deferred tax assets nonaccrual interest of $120K in Q4 2025.
How has Bank of the James Financial Group's deferred tax assets nonaccrual interest changed year-over-year?
Bank of the James Financial Group's deferred tax assets nonaccrual interest increased by 233.3% year-over-year, from $36K to $120K.
What is the long-term trend for Bank of the James Financial Group's deferred tax assets nonaccrual interest?
Over 5 years (2020 to 2025), Bank of the James Financial Group's deferred tax assets nonaccrual interest has grown at a -1.6% compound annual growth rate (CAGR), from $130K to $120K.
What does deferred tax assets nonaccrual interest mean?
This metric captures the deferred tax asset related to interest income that has been accrued for financial reporting but is not yet taxable, or interest that has been reversed due to nonaccrual status. It reflects the tax timing differences associated with impaired loans and non-performing assets. It is useful for evaluating the tax-adjusted impact of asset quality deterioration.