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Bank of the James Financial Group BOTJ Effective Income Tax Rate Reconciliation Tax Exempt Income

Effective Income Tax Rate Reconciliation Tax Exempt Income at other companies

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Capital City Bank GroupCCBG
0.1%-0.2pp

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:EffectiveIncomeTaxRateReconciliationTaxExemptIncome.

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 tax exempt income?
Bank of the James Financial Group (BOTJ) reported effective income tax rate reconciliation tax exempt income of 1% in Q4 2025.
What does effective income tax rate reconciliation tax exempt income mean?
The percentage reduction in the effective tax rate attributable to the company's holdings of tax-exempt assets. It measures the effectiveness of the company's tax-advantaged investment strategy in lowering its overall tax burden.