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Bank of the James Financial Group BOTJ Finance Lease Interest Payment On Liability

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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 us-gaap:FinanceLeaseInterestPaymentOnLiability.

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 finance lease interest payment on liability?
Bank of the James Financial Group (BOTJ) reported finance lease interest payment on liability of $128.75K in Q4 2025.
How has Bank of the James Financial Group's finance lease interest payment on liability changed year-over-year?
Bank of the James Financial Group's finance lease interest payment on liability increased by 7.7% year-over-year, from $119.5K to $128.75K.
What is the long-term trend for Bank of the James Financial Group's finance lease interest payment on liability?
Over 4 years (2021 to 2025), Bank of the James Financial Group's finance lease interest payment on liability has grown at a 3.3% compound annual growth rate (CAGR), from $453K to $515K.
What does finance lease interest payment on liability mean?
Captures the interest expense portion of payments made on finance lease liabilities, representing the cost of financing leased assets that are effectively treated as owned property. This metric distinguishes the financing cost of capital leases from the depreciation or operating components of lease expenses. It helps investors evaluate the company's leverage and the interest-bearing nature of its long-term contractual obligations.