Revenue: As of FY2026 Q1, the actual value is USD 15.81 B.EPS: As of FY2026 Q1, the actual value is USD 0.61.EBIT: As of FY2026 Q1, the actual value is USD -5.255 B.<h3>Community Banking Segment</h3><ul><li>Net Revenue: Increased to $10,208,000 for the three months ended March 31, 2026, from $9,111,000 for the same period in 2025.</li><li>Interest Income: Rose to $11,849,000 in 2026, compared to $11,234,000 in 2025.</li><li>Interest Expense: Decreased to $2,996,000 in 2026, from $3,344,000 in 2025.</li><li>Net Interest Income: Grew to $8,853,000 in 2026, up from $7,890,000 in 2025.</li><li>Other Noninterest Income: Increased to $1,355,000 in 2026, from $1,221,000 in 2025.</li><li>Recovery of Credit Losses: Was - $146,000 in 2026, compared to a provision of $137,000 in 2025.</li><li>Salaries and Employee Benefits: Increased to $4,330,000 in 2026, from $3,738,000 in 2025.</li><li>Occupancy Expenses: Were $573,000 in 2026, compared to $535,000 in 2025.</li><li>Equipment Expenses: Increased to $723,000 in 2026, from $646,000 in 2025.</li><li>Data Processing Expenses: Decreased to $475,000 in 2026, from $820,000 in 2025.</li><li>Professional and Other Outside Expenses: Decreased to $711,000 in 2026, from $1,656,000 in 2025.</li><li>Segment Income Before Income Taxes: Increased significantly to $2,615,000 in 2026, from $672,000 in 2025.</li><li>Segment Net Income: Rose to $2,307,000 in 2026, compared to $574,000 in 2025.</li><li>Total Loans Held for Investment, Net: Stood at $649,133,000 at March 31, 2026, up from $642,388,000 at March 31, 2025.</li><li>Total Deposits: Reached $959,221,000 at March 31, 2026, compared to $918,503,000 at March 31, 2025.</li></ul><h3>Mortgage Banking Segment</h3><ul><li>Net Revenue: Increased to $1,196,000 for the three months ended March 31, 2026, from $837,000 for the same period in 2025.</li><li>Gains on Sales of Loans: Were $1,196,000 in 2026, compared to $837,000 in 2025.</li><li>Salaries and Employee Benefits: Increased to $720,000 in 2026, from $622,000 in 2025.</li><li>Occupancy Costs: Remained stable at $32,000 for both periods.</li><li>Credit-Related Expenses: Decreased to $120,000 in 2026, from $131,000 in 2025.</li><li>Segment Income Before Income Taxes: Increased significantly to $289,000 in 2026, from $1,000 in 2025.</li><li>Segment Net Income: Rose to $289,000 in 2026, compared to $1,000 in 2025.</li><li>Purchase Mortgage Originations: Were approximately $29,323,336 (58.90% of total) in 2026, compared to approximately $28,323,336 (83.99% of total) in 2025.</li></ul><h3>Investment Advisory Segment</h3><ul><li>Net Revenue: Increased to $1,413,000 for the three months ended March 31, 2026, from $1,255,000 for the same period in 2025.</li><li>Wealth Management Fees: Were $1,413,000 in 2026, compared to $1,255,000 in 2025.</li><li>Salaries and Employee Benefits: Increased to $450,000 in 2026, from $417,000 in 2025.</li><li>Amortization of Intangible Assets: Remained constant at $140,000 for both periods.</li><li>Segment Income Before Income Taxes: Increased to $698,000 in 2026, from $573,000 in 2025.</li><li>Segment Net Income: Was $401,000 in 2026, compared to $418,000 in 2025.</li><li>Assets Under Management (AUM): Reached $1,010,000,000 at March 31, 2026, up from $886,882,000 at March 31, 2025.</li></ul><h3>Consolidated Operational Metrics</h3><ul><li>Net Income: Increased to $2,774,000 for the three months ended March 31, 2026, from $842,000 for the same period in 2025.</li><li>Net Interest Income: Was $8,734,000 in 2026, compared to $7,719,000 in 2025.</li><li>Noninterest Income: Increased to $3,964,000 in 2026, from $3,283,000 in 2025.</li><li>Noninterest Expenses: Decreased to $9,365,000 in 2026, from $9,826,000 in 2025.</li><li>Recovery of Credit Losses: Was - $146,000 in 2026, compared to a provision of $137,000 in 2025.</li><li>Net Cash Provided by Operating Activities: Increased to $4,739,000 in 2026, from $763,000 in 2025.</li><li>Net Cash Used in Investing Activities: Was - $20,009,000 in 2026, compared to - $7,665,000 in 2025.</li><li>Net Cash Provided by Financing Activities: Was $18,786,000 in 2026, compared to $28,559,000 in 2025.</li><li>Net Charge-offs: Increased to $158,000 in 2026, from $63,000 in 2025.</li><li>Nonperforming Loans: Decreased to $1,450,000 at March 31, 2026, from $1,704,000 at December 31, 2025.</li></ul><h3>Future Outlook and Strategy</h3>Bank of the James Financial Group, Inc. (詹姆斯金融银行) anticipates a stable interest rate environment could support net interest margin through repricing liabilities and maintaining asset yields, though competitive factors will influence performance. The company expects lower data processing costs due to its amended core processing contract, which started in April 2025. Management projects that purchase originations will remain a significant portion of total mortgage activity, but elevated interest rates are expected to continue pressuring mortgage segment revenue.

Bank Of The James | 10-Q: FY2026 Q1 Revenue: USD 15.81 B