What is Bank of the James Financial Group's account balances?

Bank of the James Financial Group (BOTJ) reported account balances of $0 in Q4 2025.

What does account balances mean?

Tracks the total balance of loans that have undergone a troubled debt restructuring and are currently being managed under modified terms. This metric provides insight into the bank's exposure to distressed assets and the extent of its loss mitigation efforts. It helps investors gauge the potential for future credit losses and the overall health of the loan portfolio.

Bank of the James Financial Group BOTJ Account Balances

Account Balances at other companies

First Commonwealth FinancialFCF

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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 / equity0×0.0×

Where this comes from

Reported directly by Bank of the James Financial Group in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2.

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 account balances?: Bank of the James Financial Group (BOTJ) reported account balances of $0 in Q4 2025.
What does account balances mean?: Tracks the total balance of loans that have undergone a troubled debt restructuring and are currently being managed under modified terms. This metric provides insight into the bank's exposure to distressed assets and the extent of its loss mitigation efforts. It helps investors gauge the potential for future credit losses and the overall health of the loan portfolio.