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Bank of the James Financial Group (BOTJ) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 12, 2026 · Bank of the James Financial Group (BOTJ) Q2 2026 earnings results →
Q2 2026 Revenue up 11% year over year to $13.7M · 24¢ of every $1 of revenue kept as net profit · operating margin 29.6%
Bank of the James Financial Group made $13.7M in Q2 2026 (+11% Y/Y). Operating margin 29.6%, net earnings $3.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 12, 2026.
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What changed this quarter
Revenue was $13.7M in Q2 2026, up 11% year over year and up 8% from the previous quarter.
Operating profit was $4.1M, a 29.6% margin (up 2.1 points year over year). Of the extra revenue versus Q2 2025, 48% reached operating profit, above the 28% margin then. Total costs grew 8% against revenue growth of 11%. Net earnings were $3.2M, up 20% year over year. The effective tax rate was 20.4%.
Operating cash flow was $632K (down 83% year over year), 20% of net earnings. Non-cash charges added back $352K of depreciation and amortization. Working capital and other items used $3.0M. Capital expenditures of $300K left free cash flow of $332K.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 12, 2026 | $13.7M | +11% | 29.6% | $3.2M | $632K |
| Q1 2026 | 10-Q | May 12, 2026 | $12.7M | +15% | 27.4% | $2.8M | $4.7M |
| Q4 2025 | 10-K | Mar 27, 2026 | $12.9M | +12% | 27.1% | $2.7M | $2.0M |
| Q3 2025 | 10-Q | Nov 14, 2025 | $12.5M | +10% | 25.8% | $2.8M | $5.3M |
| Q2 2025 | 10-Q | Aug 13, 2025 | $12.3M | +9% | 27.6% | $2.7M | $3.7M |
| Q1 2025 | 10-Q | May 15, 2025 | $11.0M | +7% | 9.4% | $842K | $763K |
| Q4 2024 | 10-K | Mar 26, 2025 | $11.5M | +9% | 18.0% | $1.6M | $1.9M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Bank of the James Financial Group
Bank of the James, a wholly-owned subsidiary of Bank of the James Financial Group, Inc. opened for business in July 1999 and is headquartered in Lynchburg, Virginia. The Bank currently serves customers in Virginia from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Buchanan, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Nellysford, Roanoke, Rustburg, and Wytheville. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. The Bank provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. The Company provides investment advisory services through its wholly-owned subsidiary, Pettyjohn, Wood & White, Inc., an SEC-registered investment advisor. Bank of the James Financial Group, Inc.
In its own words, from its 8-K, filed Jul 30, 2026.
Bank of the James Financial Group against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +11% against the peers' median +11%. Operating margin: 29.6% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BOTJ Bank of the James Financial Group | Q2 2026 | $13.7M | +11% | 29.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Bank of the James Financial Group 10-Q on SEC EDGAR · CIK 1275101 · State Commercial Banks
13F: who owns BOTJ and who is buying
More on BOTJ
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results