Filing Flows › Bank of the James Financial Group (BOTJ) › Q2 2025
Bank of the James Financial Group (BOTJ) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 13, 2025
Bank of the James Financial Group (BOTJ) reported revenue of $12.3M for the second quarter 2025 (Q2 2025), +9% from a year earlier and +12% from the quarter before. Operating margin was 27.6%, net earnings $2.7M (21.9% of revenue).
Bank of the James Financial Group, Q2 2025: revenue $12.3M (+9% year over year), operating margin 27.6%, net earnings $2.7M, operating cash flow $3.7M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $12.3M | +12% | +9% |
| Operating profit | $3.4M | +227% | +27% |
| Net earnings | $2.7M | +221% | +26% |
| Operating cash flow | $3.7M | +379% | +27% |
| Free cash flow | $3.5M | 25× | +27% |
What changed
Revenue was $12.3M in Q2 2025, up 9% year over year and up 12% from the previous quarter.
Operating profit was $3.4M, a 27.6% margin (up 3.9 points year over year). Of the extra revenue versus a year earlier, 70% reached operating profit, above the 24% margin then. Total costs grew 4% against revenue growth of 9%. Net earnings were $2.7M, up 26% year over year. The effective tax rate was 20.4%.
Operating cash flow was $3.7M (up 27% year over year), 135% of net earnings. Non-cash charges added back $338K of depreciation and amortization. Working capital and other items added $611K. Capital expenditures of $125K left free cash flow of $3.5M.
Questions
What was Bank of the James Financial Group's revenue in the second quarter 2025?
Bank of the James Financial Group (BOTJ) reported revenue of $12.3M for the second quarter 2025 (Q2 2025), +9% from a year earlier and +12% from the quarter before.
Was Bank of the James Financial Group profitable in the second quarter 2025?
Operating profit was $3.4M (27.6% of revenue) and net earnings $2.7M.
Source: Bank of the James Financial Group 10-Q on SEC EDGAR.