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Bank of the James Financial Group BOTJ Retained Earnings

Retained Earnings at other companies

Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$232.46B+6.9%
Truist Financial logo
Truist FinancialTFC
$26.8B—
Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
$1.25B+11.8%
C&F Financial logo
C&F FinancialCFFI
$273.88M+8.8%
Riverview Bancorp logo
Riverview BancorpRVSB
$113.71M-5.0%
PRO
Provident Financial HoldingsPROV
$214.16M+1.2%

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:RetainedEarningsAccumulatedDeficit.

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 retained earnings?
Bank of the James Financial Group (BOTJ) reported retained earnings of $52.33M in Q1 2026.
How has Bank of the James Financial Group's retained earnings changed year-over-year?
Bank of the James Financial Group's retained earnings increased by 21.2% year-over-year, from $43.19M to $52.33M.
What is the long-term trend for Bank of the James Financial Group's retained earnings?
Over 5 years (2020 to 2025), Bank of the James Financial Group's retained earnings has grown at a 15.2% compound annual growth rate (CAGR), from $24.67M to $50.01M.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.