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Bank of the James Financial Group BOTJ Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year Writeoff

Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year Writeoff at other companies

Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$111K
Regional Management Corporation logo
Regional Management CorporationRM
$6.11M+1.2%
Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$221K
BCB Bancorp logo
BCB BancorpBCBP
$12.84M+29,406%
Bank7 Corp. logo
Bank7 Corp.BSVN
$0
Mercantile Bank Corporation logo
Mercantile Bank CorporationMBWM
$0

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:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff.

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 year four originated three years before current fiscal year writeoff?
Bank of the James Financial Group (BOTJ) reported financing receivable excluding accrued interest year four originated three years before current fiscal year writeoff of $111K in Q4 2025.
What does financing receivable excluding accrued interest year four originated three years before current fiscal year writeoff mean?
Measures the total value of loan write-offs for financing receivables originated three years prior to the current fiscal year. By isolating write-offs by vintage, the bank can evaluate the historical credit performance of loans issued during specific economic cycles. This metric is critical for assessing the accuracy of initial credit risk assessments and the durability of the loan portfolio.