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Bank of the James Financial Group BOTJ Interest And Fee Income Loans And Leases

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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×

Where this comes from

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

Tagged under the XBRL concept us-gaap:InterestAndFeeIncomeLoansAndLeases.

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 interest and fee income loans and leases?
Bank of the James Financial Group (BOTJ) reported interest and fee income loans and leases of $9.43M in Q1 2026.
How has Bank of the James Financial Group's interest and fee income loans and leases changed year-over-year?
Bank of the James Financial Group's interest and fee income loans and leases increased by 5.8% year-over-year, from $8.91M to $9.43M.
What is the long-term trend for Bank of the James Financial Group's interest and fee income loans and leases?
Over 4 years (2021 to 2025), Bank of the James Financial Group's interest and fee income loans and leases has grown at a 8.9% compound annual growth rate (CAGR), from $26.53M to $37.25M.
What does interest and fee income loans and leases mean?
Represents the total interest income and associated fees earned from the bank's primary lending portfolio, including commercial and consumer loans. This is a core revenue driver reflecting the bank's ability to generate yield from its credit extension activities.