Bank of the James Financial Group Inc (BOTJ) stock
BOTJNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 12, 2026Score 13/3011% above fair value
$24.77−0.62 (-2.44%)
Close on Nov 12, 2026Market cap $112.54MP/E 9.3Yield 1.61%
Bank of the James Financial profit margin
Profit margin (net margin) is net income as a percentage of revenue.
Bank of the James Financial's profit margin for the twelve months ending Sep 30, 2026 was 267.8%. For fiscal 2025 it was 211.1%, against 198.5% the year before. The highest annual figure on record is 314.0% in fiscal 2019.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 211.1% | +12.7 |
| FY2024 | Dec 31, 2024 | 198.5% | −24.7 |
| FY2023 | Dec 31, 2023 | 223.1% | −26.4 |
| FY2022 | Dec 31, 2022 | 249.5% | −54.6 |
| FY2021 | Dec 31, 2021 | 304.0% | +59.1 |
| FY2020 | Dec 31, 2020 | 245.0% | −69.0 |
| FY2019 | Dec 31, 2019 | 314.0% | +30.6 |
| FY2018 | Dec 31, 2018 | 283.4% | +117.3 |
| FY2017 | Dec 31, 2017 | 166.1% | +152.4 |
| FY2016 | Dec 31, 2016 | 13.7% | −3.3 |
| FY2015 | Dec 31, 2015 | 16.9% | −0.1 |
| FY2014 | Dec 31, 2014 | 17.1% | +1.4 |
| FY2013 | Dec 31, 2013 | 15.7% | +4.7 |
| FY2012 | Dec 31, 2012 | 11.0% | +7.9 |
| FY2011 | Dec 31, 2011 | 3.2% | −6.6 |
| FY2010 | Dec 31, 2010 | 9.7% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | 305.0% | +41.9 |
| Q2 FY2026 | Jun 30, 2026 | 282.0% | +4.5 |
| Q1 FY2026 | Mar 31, 2026 | 279.1% | +193.2 |
| Q4 FY2025 | Dec 31, 2025 | 214.2% | +63.4 |
| Q3 FY2025 | Sep 30, 2025 | 263.1% | +62.3 |
| Q2 FY2025 | Jun 30, 2025 | 277.4% | +59.6 |
| Q1 FY2025 | Mar 31, 2025 | 85.8% | −143.8 |
| Q4 FY2024 | Dec 31, 2024 | 150.8% | −69.0 |
| Q3 FY2024 | Sep 30, 2024 | 200.8% | −6.2 |
| Q2 FY2024 | Jun 30, 2024 | 217.8% | −47.5 |
| Q1 FY2024 | Mar 31, 2024 | 229.6% | +27.8 |
| Q4 FY2023 | Dec 31, 2023 | 219.8% | +29.7 |
| Q3 FY2023 | Sep 30, 2023 | 207.0% | +10.9 |
| Q2 FY2023 | Jun 30, 2023 | 265.3% | −83.0 |
| Q1 FY2023 | Mar 31, 2023 | 201.8% | −159.5 |
| Q4 FY2022 | Dec 31, 2022 | 190.1% | −78.2 |
| Q3 FY2022 | Sep 30, 2022 | 196.0% | −111.3 |
| Q2 FY2022 | Jun 30, 2022 | 348.3% | +32.2 |
| Q1 FY2022 | Mar 31, 2022 | 361.3% | +30.1 |
| Q4 FY2021 | Dec 31, 2021 | 268.3% | −52.6 |
| Q3 FY2021 | Sep 30, 2021 | 307.4% | +15.4 |
| Q2 FY2021 | Jun 30, 2021 | 316.2% | +156.4 |
| Q1 FY2021 | Mar 31, 2021 | 331.2% | +127.3 |
| Q4 FY2020 | Dec 31, 2020 | 320.8% | −27.0 |
| Q3 FY2020 | Sep 30, 2020 | 292.0% | −37.0 |
| Q2 FY2020 | Jun 30, 2020 | 159.7% | −139.0 |
| Q1 FY2020 | Mar 31, 2020 | 203.9% | −77.2 |
| Q4 FY2019 | Dec 31, 2019 | 347.8% | +50.4 |
| Q3 FY2019 | Sep 30, 2019 | 329.0% | +14.2 |
| Q2 FY2019 | Jun 30, 2019 | 298.7% | +19.1 |
| Q1 FY2019 | Mar 31, 2019 | 281.1% | +39.1 |
| Q4 FY2018 | Dec 31, 2018 | 297.4% | +203.1 |
| Q3 FY2018 | Sep 30, 2018 | 314.8% | +102.9 |
| Q2 FY2018 | Jun 30, 2018 | 279.6% | +267.2 |
| Q1 FY2018 | Mar 31, 2018 | 242.0% | +228.7 |
| Q4 FY2017 | Dec 31, 2017 | 94.2% | +89.5 |
| Q3 FY2017 | Sep 30, 2017 | 211.9% | – |
| Q2 FY2017 | Jun 30, 2017 | 12.4% | – |
| Q1 FY2017 | Mar 31, 2017 | 13.3% | – |
| Q4 FY2016 | Dec 31, 2016 | 4.8% | – |
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