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Bank of the James Financial Group BOTJ Provision for Credit Losses

Provision for Credit Losses at other companies

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$1.14B+21.8%
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$1.16M
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$326K+183%
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-$336K-110%
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-$73K-126%
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First Community CorporationFCCO
$193K-55.8%

Segments

By segment

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Community Banking-$146K-207%

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:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal.

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 provision for credit losses?
Bank of the James Financial Group (BOTJ) reported provision for credit losses of -$55K in Q1 2026.
How has Bank of the James Financial Group's provision for credit losses changed year-over-year?
Bank of the James Financial Group's provision for credit losses decreased by 150.9% year-over-year, from $108K to -$55K.
What is the long-term trend for Bank of the James Financial Group's provision for credit losses?
Over 3 years (2021 to 2024), Bank of the James Financial Group's provision for credit losses has grown at a -37.5% compound annual growth rate (CAGR), from -$500K to -$122K.
What does provision for credit losses mean?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.