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Bank of the James Financial Group BOTJ Finance Leases Interest Expense

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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:FinanceLeasesInterestExpense.

The official record: Bank of the James Financial Group’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of the James Financial Group's finance leases interest expense?
Bank of the James Financial Group (BOTJ) reported finance leases interest expense of $14K in Q1 2026.
How has Bank of the James Financial Group's finance leases interest expense changed year-over-year?
Bank of the James Financial Group's finance leases interest expense decreased by 17.6% year-over-year, from $17K to $14K.
What is the long-term trend for Bank of the James Financial Group's finance leases interest expense?
Over 2 years (2023 to 2025), Bank of the James Financial Group's finance leases interest expense has grown at a -13.1% compound annual growth rate (CAGR), from $86K to $65K.
What does finance leases interest expense mean?
Represents the interest component of lease payments for assets held under finance lease arrangements. This reflects the financing cost associated with the bank's use of leased property or equipment rather than direct ownership. It is used to evaluate the impact of lease-based capital structures on the bank's overall interest expense profile.