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Bank of the James Financial Group BOTJ State income taxes – net of federal income tax benefit

State income taxes – net of federal income tax benefit at other companies

Riverview Bancorp logo
Riverview BancorpRVSB
1.2%-2.8pp
Capital City Bank Group logo
Capital City Bank GroupCCBG
2.5%+0.9pp

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:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes.

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 state income taxes – net of federal income tax benefit?
Bank of the James Financial Group (BOTJ) reported state income taxes – net of federal income tax benefit of 0.9% in Q4 2025.
What does state income taxes – net of federal income tax benefit mean?
The percentage impact of state and local income taxes on the overall effective tax rate. This metric helps investors understand how regional tax variations influence the company's total tax efficiency.