Filing Flows › Bank of the James Financial Group (BOTJ) › Q1 2026 › vs Q1 2025
Bank of the James Financial Group (BOTJ) Q1 2026 vs Q1 2025 (year over year)
Bank of the James Financial Group's revenue rose $1.7M (+15%) from $11.0M in Q1 2025 to $12.7M in Q1 2026. Operating margin 27.4% against 9.4% (+18.0 pts).
Bank of the James Financial Group, Q1 2026: revenue $12.7M (+15% year over year), operating margin 27.4%, net earnings $2.8M, operating cash flow $4.7M. The chart draws each line against Q1 2025, the increases inside each band.
Margins
| Q1 2026 | Q1 2025 | Change | |
|---|---|---|---|
| Operating margin | 27.4% | 9.4% | +18.0 pts |
| Net margin | 21.8% | 7.7% | +14.2 pts |
| Free cash flow margin | 34.3% | 1.3% | +33.0 pts |
Every line
| Line | Q1 2026 | Q1 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $12.7M | $11.0M | $1.7M | +15% |
| Operating profit | $3.5M | $1.0M | $2.4M | +235% |
| Costs & expenses | $9.2M | $10.0M | −$744K | -7% |
| Pre-tax earnings | $3.5M | $1.0M | $2.4M | +235% |
| Net earnings | $2.8M | $842K | $1.9M | +229% |
| Income tax | $705K | $197K | $508K | +258% |
| Depreciation & amortization | $346K | $324K | $22K | +7% |
| Working capital & other | $1.6M | −$403K | $2.0M | — |
| Operating cash flow | $4.7M | $763K | $4.0M | +521% |
| Free cash flow (OCF − capex) | $4.4M | $141K | $4.2M | 31× |
| Capital expenditures | $382K | $622K | −$240K | -39% |
Questions
How much did Bank of the James Financial Group's revenue grow year over year in Q1 2026?
Bank of the James Financial Group's revenue rose $1.7M (+15%) from $11.0M in Q1 2025 to $12.7M in Q1 2026. Operating margin 27.4% against 9.4% (+18.0 pts).