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Bank of the James Financial Group BOTJ Financing Receivable Allowance For Credit Losses Write Offs

Financing Receivable Allowance For Credit Losses Write Offs at other companies

National Bankshares logo
National BanksharesNKSH
$183K+63.4%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$1.8M+11.5%

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:FinancingReceivableAllowanceForCreditLossesWriteOffs.

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 financing receivable allowance for credit losses write offs?
Bank of the James Financial Group (BOTJ) reported financing receivable allowance for credit losses write offs of $222K in Q1 2026.
How has Bank of the James Financial Group's financing receivable allowance for credit losses write offs changed year-over-year?
Bank of the James Financial Group's financing receivable allowance for credit losses write offs increased by 258.1% year-over-year, from $62K to $222K.
What is the long-term trend for Bank of the James Financial Group's financing receivable allowance for credit losses write offs?
Over 2 years (2022 to 2025), Bank of the James Financial Group's financing receivable allowance for credit losses write offs has grown at a 66.3% compound annual growth rate (CAGR), from $162K to $448K.
What does financing receivable allowance for credit losses write offs mean?
The total dollar amount of loans or financing receivables that have been removed from the balance sheet because they are deemed uncollectible. This metric reflects the actual realized credit losses experienced by the bank during the period.