What is Bank of the James Financial Group's G-SIB surcharge?

Bank of the James Financial Group (BOTJ) reported G-SIB surcharge of $100.2M in Q4 2025.

How has Bank of the James Financial Group's G-SIB surcharge changed year-over-year?

Bank of the James Financial Group's G-SIB surcharge increased by 1.8% year-over-year, from $98.4M to $100.2M.

What is the long-term trend for Bank of the James Financial Group's G-SIB surcharge?

Over 5 years (2020 to 2025), Bank of the James Financial Group's G-SIB surcharge has grown at a 5.2% compound annual growth rate (CAGR), from $77.84M to $100.2M.

Bank of the James Financial Group BOTJ G-SIB Surcharge

G-SIB Surcharge at other companies

Morgan StanleyMS

$0.030.0%

BKBK

0.2+4.1%

BlackrockBLK

8%0.0pp

Tetra TechTTEK

$0—

Tetra TechTTEK

$110.13M0.0%

Tetra TechTTEK

$1.01B+32.1%

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 / equity0×0.0×

Where this comes from

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

Tagged under the XBRL concept us-gaap:Capital.

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 G-SIB surcharge?: Bank of the James Financial Group (BOTJ) reported G-SIB surcharge of $100.2M in Q4 2025.
How has Bank of the James Financial Group's G-SIB surcharge changed year-over-year?: Bank of the James Financial Group's G-SIB surcharge increased by 1.8% year-over-year, from $98.4M to $100.2M.
What is the long-term trend for Bank of the James Financial Group's G-SIB surcharge?: Over 5 years (2020 to 2025), Bank of the James Financial Group's G-SIB surcharge has grown at a 5.2% compound annual growth rate (CAGR), from $77.84M to $100.2M.