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Bank of the James Financial Group BOTJ Net gains/(losses) on sales of loans

Net gains/(losses) on sales of loans at other companies

Citizens & Northern logo
Citizens & NorthernCZNC
$370K+80.5%
Financial Institutions logo
Financial InstitutionsFISI
$125K+6.8%
Civista Bancshares logo
Civista BancsharesCIVB
$1.61M+166%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
Center Bancorp logo
Center BancorpCNOB

Segments

By segment

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Mortgage$1.2M+42.9%

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:GainLossOnSalesOfLoansNet.

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 net gains/(losses) on sales of loans?
Bank of the James Financial Group (BOTJ) reported net gains/(losses) on sales of loans of $1.2M in Q1 2026.
How has Bank of the James Financial Group's net gains/(losses) on sales of loans changed year-over-year?
Bank of the James Financial Group's net gains/(losses) on sales of loans increased by 42.9% year-over-year, from $837K to $1.2M.
What is the long-term trend for Bank of the James Financial Group's net gains/(losses) on sales of loans?
Over 4 years (2021 to 2025), Bank of the James Financial Group's net gains/(losses) on sales of loans has grown at a -12.5% compound annual growth rate (CAGR), from $8.27M to $4.85M.
What does net gains/(losses) on sales of loans mean?
This captures the net realized gains or losses resulting from the sale of loans to third parties or into the secondary market. It reflects the bank's ability to generate non-interest income through mortgage banking or loan portfolio management strategies.