What does recognized interest income mean?

Reflects the interest income recognized on a cash basis for loans currently classified as nonaccrual. This metric helps investors understand the actual cash yield generated from impaired assets that are otherwise excluded from accrual accounting.

Bank of the James Financial Group BOTJ Recognized interest income

Recognized interest income at other companies

Mercantile Bank CorporationMBWM

$200K-33.3%

NFB

Northfield BancorpNFBK

$145K+3.6%

The BancorpTBBK

$0—

Heritage FinancialHFWA

$894K+6,777%

USCB Financial Holdings, Inc.USCB

$0—

PopularBPOP

$7M+133%

Other financials

Income statement

See full

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:FinancingReceivableNonaccrualInterestIncome.

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 recognized interest income?: Bank of the James Financial Group (BOTJ) reported recognized interest income of $0 in Q1 2026.
What does recognized interest income mean?: Reflects the interest income recognized on a cash basis for loans currently classified as nonaccrual. This metric helps investors understand the actual cash yield generated from impaired assets that are otherwise excluded from accrual accounting.