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

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

Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$221K
Regional Management Corporation logo
Regional Management CorporationRM
$1.9M+31.8%
Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$50K
Bank7 Corp. logo
Bank7 Corp.BSVN
$0
Mercantile Bank Corporation logo
Mercantile Bank CorporationMBWM
$0-100%
BCB Bancorp logo
BCB BancorpBCBP
$19K

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:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff.

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 excluding accrued interest year five originated four years before current fiscal year writeoff?
Bank of the James Financial Group (BOTJ) reported financing receivable excluding accrued interest year five originated four years before current fiscal year writeoff of $221K in Q1 2026.
What does financing receivable excluding accrued interest year five originated four years before current fiscal year writeoff mean?
Reflects the aggregate write-offs of financing receivables that were originated four years before the current fiscal year. This metric allows for the analysis of credit deterioration in older loan cohorts as they season within the portfolio. It serves as a key indicator of the long-term credit risk profile of the bank's lending activities.