Bank of the James Financial Group BOTJ Effective Income Tax Rate Reconciliation Appreciation In Cash Surrender Value Of Life Insurance Percent

Effective Income Tax Rate Reconciliation Appreciation In Cash Surrender Value Of Life Insurance Percent at other companies

Citizens Financial Services, Inc.CZFS

$75.25K-15.0%

Columbia Financial, Inc.CLBK

2.5%+1.4pp

Citizens Financial Services, Inc.CZFS

0.7%-0.3pp

First Seacoast BancorpFSEA

1.5%-156pp

Auburn National BancorporationAUBN

0.9%-0.1pp

Columbia Financial, Inc.CLBK

$429.75K+35.9%

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 botj:EffectiveIncomeTaxRateReconciliationAppreciationInCashSurrenderValueOfLifeInsurancePercent.

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 effective income tax rate reconciliation appreciation in cash surrender value of life insurance percent?: Bank of the James Financial Group (BOTJ) reported effective income tax rate reconciliation appreciation in cash surrender value of life insurance percent of 1.5% in Q4 2025.
What does effective income tax rate reconciliation appreciation in cash surrender value of life insurance percent mean?: The percentage impact on the effective tax rate resulting from the appreciation of bank-owned life insurance (BOLI) assets. It quantifies the contribution of tax-exempt or tax-deferred insurance growth to the company's bottom-line tax efficiency.