Bank of the James Q4 net income rises

Bank of James Financial group

04/02/2026 21:08

Overview

Virginia-based bank's Q4 net income rose, driven by higher net interest income

Company's total assets grew 6.1% yr/yr, surpassing $1 bln

Efficiency ratio improved to 70.81% in Q4, reflecting cost management

Outlook

Bank of the James did not provide specific financial guidance for 2026

Result Drivers

NET INTEREST INCOME - Increased 11.1% in Q4 2025, driven by higher rates on variable-rate loans and new loan originations

INTEREST EXPENSE REDUCTION - Decreased 12.1% in Q4 2025 due to lower deposit costs and retirement of capital notes

NONINTEREST EXPENSES - Declined 4.2% in Q4 2025 due to reduced data processing costs and lower professional fees

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Net Income
$2.72 mln
Q4 Net Interest Income
$8.54 mln
Q4 Basic EPS
$0.60
Q4 Net Interest Margin
3.44%
Q4 Pretax Profit
$3.49 mln


Press Release: ID:nGNX1nmPVG

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)