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Bank of the James Financial Group BOTJ Capital Conservation Buffer

Capital Conservation Buffer at other companies

PRO
Provident Financial HoldingsPROV
10%+0.1pp

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:CapitalToRiskWeightedAssets.

The official record: Bank of the James Financial Group’s 10-K, filed March 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of the James Financial Group's capital conservation buffer?
Bank of the James Financial Group (BOTJ) reported capital conservation buffer of $0.13 in Q4 2025.
How has Bank of the James Financial Group's capital conservation buffer changed year-over-year?
Bank of the James Financial Group's capital conservation buffer decreased by 2.3% year-over-year, from $0.13 to $0.13.
What is the long-term trend for Bank of the James Financial Group's capital conservation buffer?
Over 5 years (2020 to 2025), Bank of the James Financial Group's capital conservation buffer has grown at a 0.5% compound annual growth rate (CAGR), from $0.12 to $0.13.
What does capital conservation buffer mean?
This represents the additional capital held by the bank above the minimum regulatory requirements, designed to absorb losses during periods of economic stress. It is a critical indicator of the bank's financial resilience and its capacity to continue lending during downturns. A higher buffer generally indicates a stronger capital position and lower risk of regulatory intervention.