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Lease financings at other companies

CB Financial Services logo
CB Financial ServicesCBFV
$718K-19.9%
NEC
Northeast Community BancorpNECB
$174K+376%
Provident Financial Services logo
Provident Financial ServicesPFS
-$12.81M-17.2%
Ponce Financial Group, Inc. logo
Ponce Financial Group, Inc.PDLB
-$1.03M-174%
Hoyne Bancorp, Inc.
 logo
Hoyne Bancorp, Inc. HYNE
-$1.14M
OceanFirst Financial logo
OceanFirst FinancialOCFC
$21.44M+85.5%

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:FinancingReceivableUnamortizedLoanFeeCost.

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 lease financings?
Bank of the James Financial Group (BOTJ) reported lease financings of $672K in Q1 2026.
How has Bank of the James Financial Group's lease financings changed year-over-year?
Bank of the James Financial Group's lease financings increased by 12.0% year-over-year, from $600K to $672K.
What is the long-term trend for Bank of the James Financial Group's lease financings?
Over 3 years (2022 to 2025), Bank of the James Financial Group's lease financings has grown at a -17.3% compound annual growth rate (CAGR), from $1.11M to $629K.
What does lease financings mean?
This represents the unamortized portion of direct costs or fees associated with originating lease financing arrangements. It reflects the deferred accounting treatment of costs that will be recognized over the life of the lease. Monitoring this helps analysts understand the net carrying value of lease-related assets.