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Bank of the James Financial Group BOTJ Converted to term loans – Amortized cost

Converted to term loans – Amortized cost at other companies

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$2.89M+726%
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$81.61M-17.0%
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$13.75M+50.3%
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BCB BancorpBCBP
$75.13M-5.9%

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:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan.

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 converted to term loans – amortized cost?
Bank of the James Financial Group (BOTJ) reported converted to term loans – amortized cost of $2.18M in Q1 2026.
How has Bank of the James Financial Group's converted to term loans – amortized cost changed year-over-year?
Bank of the James Financial Group's converted to term loans – amortized cost increased by 6.0% year-over-year, from $2.06M to $2.18M.
What is the long-term trend for Bank of the James Financial Group's converted to term loans – amortized cost?
Over 2 years (2023 to 2025), Bank of the James Financial Group's converted to term loans – amortized cost has grown at a 8.7% compound annual growth rate (CAGR), from $1.85M to $2.18M.
What does converted to term loans – amortized cost mean?
This represents the amortized cost of financing receivables that have been converted from revolving credit lines into structured term loans. It reflects the transition of credit exposure from flexible, short-term arrangements to fixed-repayment schedules, indicating a shift in the bank's loan portfolio composition.