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Year four at other companies

PRO
Provident Financial HoldingsPROV
$77.05M-73.9%
Center Bancorp logo
Center BancorpCNOB
$523.55M

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:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

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 year four?
Bank of the James Financial Group (BOTJ) reported year four of $42.16M in Q1 2026.
How has Bank of the James Financial Group's year four changed year-over-year?
Bank of the James Financial Group's year four decreased by 61.6% year-over-year, from $109.87M to $42.16M.
What is the long-term trend for Bank of the James Financial Group's year four?
Over 2 years (2023 to 2025), Bank of the James Financial Group's year four has grown at a 57.2% compound annual growth rate (CAGR), from $39.51M to $97.61M.
What does year four mean?
This represents the portion of financing receivables scheduled for collection during the fourth year of the maturity schedule. It assists in forecasting long-term cash flows and assessing the duration risk of the loan portfolio. Investors use this to gauge the stability of future interest income streams.