Skip to content

Bank of the James Financial Group BOTJ Financing Receivable, Troubled Debt Restructuring, Subsequent Default

Financing Receivable, Troubled Debt Restructuring, Subsequent Default at other companies

SPF
South Plains Financial, Inc.SPFI
$577K+309%
Bank of the James Financial Group logo
Bank of the James Financial GroupBOTJ
$0
USCB Financial Holdings, Inc. logo
USCB Financial Holdings, Inc.USCB
$0
Ponce Financial Group, Inc. logo
Ponce Financial Group, Inc.PDLB
14-22.2%
Ponce Financial Group, Inc. logo
Ponce Financial Group, Inc.PDLB
$3.6M-30.8%
BCB Bancorp logo
BCB BancorpBCBP
0-100%

Other financials

Income statement

See full
Revenue$12.7M+15.4%
Net income$2.8M+229%
EPS (diluted)$0.61+221%

Balance sheet

See full
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

See full
Operating cash flow$4.7M+521%
CapEx$382.0K-38.6%
Free cash flow$4.4M+2,990%

Valuation

See full
Market cap$116.4M+84.6%
P/E10.6×+1.8×
P/S2.3×+0.9×

Profitability

See full
Net margin21.8%+7.1pp
FCF margin29.2%+11.9pp

Returns & leverage

See full
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:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1.

The official record: Bank of the James Financial Group’s 10-K, filed March 27, 2026, on SEC EDGAR. View the filing →

Ask your AI about Bank of the James Financial Group's financing receivable, troubled debt restructuring, subsequent default.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Bank of the James Financial Group's financing receivable, troubled debt restructuring, subsequent default?
Bank of the James Financial Group (BOTJ) reported financing receivable, troubled debt restructuring, subsequent default of $0 in Q4 2025.
What does financing receivable, troubled debt restructuring, subsequent default mean?
Measures the volume of loans that were previously restructured as troubled debt and subsequently defaulted on the modified terms. This metric is a critical indicator of the effectiveness of the bank's loan modification and workout strategies. High rates of subsequent default suggest that initial restructuring efforts may not have adequately addressed the borrower's underlying financial distress.