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

Effective Income Tax Rate Reconciliation Appreciation In Cash Surrender Value Of Life Insurance Amount 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:EffectiveIncomeTaxRateReconciliationAppreciationInCashSurrenderValueOfLifeInsuranceAmount.

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 amount?
Bank of the James Financial Group (BOTJ) reported effective income tax rate reconciliation appreciation in cash surrender value of life insurance amount of $40.5K in Q4 2025.
How has Bank of the James Financial Group's effective income tax rate reconciliation appreciation in cash surrender value of life insurance amount changed year-over-year?
Bank of the James Financial Group's effective income tax rate reconciliation appreciation in cash surrender value of life insurance amount increased by 7.3% year-over-year, from $37.75K to $40.5K.
What does effective income tax rate reconciliation appreciation in cash surrender value of life insurance amount mean?
The dollar amount of tax benefit or adjustment derived from the appreciation in the cash surrender value of bank-owned life insurance (BOLI) policies. This reflects the tax-advantaged nature of BOLI income within the company's broader investment portfolio.