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Bank of the James Financial Group BOTJ Financing Receivable Excluding Accrued Interest Originated More Than Five Years Before Current Fiscal Year Writeoff

Financing Receivable Excluding Accrued Interest Originated More Than Five Years Before Current Fiscal Year Writeoff at other companies

Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$50K
Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$221K
International Bancshares logo
International BancsharesIBOC
$583.94M+11.7%
Regional Management Corporation logo
Regional Management CorporationRM
$399K+47.2%
Bank7 Corp. logo
Bank7 Corp.BSVN
$0
BCB Bancorp logo
BCB BancorpBCBP
$1.98M+90.3%

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:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff.

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 financing receivable excluding accrued interest originated more than five years before current fiscal year writeoff?
Bank of the James Financial Group (BOTJ) reported financing receivable excluding accrued interest originated more than five years before current fiscal year writeoff of $50K in Q4 2025.
What does financing receivable excluding accrued interest originated more than five years before current fiscal year writeoff mean?
Captures the total write-offs associated with financing receivables originated more than five years prior to the current fiscal year. This metric provides a view into the tail-end credit performance of the bank's most seasoned loan assets. It helps investors understand the historical loss experience of the bank's legacy portfolio.