Filing Flows › Bank of the James Financial Group (BOTJ) › Q1 2026 › vs Q4 2025
Bank of the James Financial Group (BOTJ) Q1 2026 vs Q4 2025 (quarter over quarter)
Bank of the James Financial Group's revenue fell $165K (-1%) from $12.9M in Q4 2025 to $12.7M in Q1 2026. Operating margin 27.4% against 27.1% (+0.3 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 Q4 2025, the increases inside each band.
Margins
| Q1 2026 | Q4 2025 | Change | |
|---|---|---|---|
| Operating margin | 27.4% | 27.1% | +0.3 pts |
| Net margin | 21.8% | 21.2% | +0.7 pts |
| Free cash flow margin | 34.3% | 10.4% | +23.9 pts |
Every line
| Line | Q1 2026 | Q4 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $12.7M | $12.9M | −$165K | -1% |
| Operating profit | $3.5M | $3.5M | −$10K | -0.3% |
| Costs & expenses | $9.2M | $9.4M | −$155K | -2% |
| Pre-tax earnings | $3.5M | $3.5M | −$10K | -0.3% |
| Net earnings | $2.8M | $2.7M | $51K | +2% |
| Income tax | $705K | $766K | −$61K | -8% |
| Depreciation & amortization | $346K | $335K | $11K | +3% |
| Working capital & other | $1.6M | −$1.1M | $2.7M | — |
| Operating cash flow | $4.7M | $2.0M | $2.8M | +140% |
| Free cash flow (OCF − capex) | $4.4M | $1.3M | $3.0M | +225% |
| Capital expenditures | $382K | $633K | −$251K | -40% |
Questions
How much did Bank of the James Financial Group's revenue grow quarter over quarter in Q1 2026?
Bank of the James Financial Group's revenue fell $165K (-1%) from $12.9M in Q4 2025 to $12.7M in Q1 2026. Operating margin 27.4% against 27.1% (+0.3 pts).