Filing Flows › Bank of the James Financial Group (BOTJ) › Q2 2026 › vs Q1 2026
Bank of the James Financial Group (BOTJ) Q2 2026 vs Q1 2026 (quarter over quarter)
Bank of the James Financial Group's revenue rose $1.0M (+8%) from $12.7M in Q1 2026 to $13.7M in Q2 2026. Operating margin 29.6% against 27.4% (+2.2 pts).
Bank of the James Financial Group, Q2 2026: revenue $13.7M (+11% year over year), operating margin 29.6%, net earnings $3.2M, operating cash flow $632K. The chart draws each line against Q1 2026, the increases inside each band.
Margins
| Q2 2026 | Q1 2026 | Change | |
|---|---|---|---|
| Operating margin | 29.6% | 27.4% | +2.2 pts |
| Net margin | 23.6% | 21.8% | +1.8 pts |
| Free cash flow margin | 2.4% | 34.3% | -31.9 pts |
Every line
| Line | Q2 2026 | Q1 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $13.7M | $12.7M | $1.0M | +8% |
| Operating profit | $4.1M | $3.5M | $590K | +17% |
| Costs & expenses | $9.7M | $9.2M | $442K | +5% |
| Pre-tax earnings | $4.1M | $3.5M | $590K | +17% |
| Credit loss provision | $350K | −$146K | $496K | — |
| Noninterest expense | $9.3M | $9.4M | −$54K | -0.6% |
| Net earnings | $3.2M | $2.8M | $466K | +17% |
| Income tax | $829K | $705K | $124K | +18% |
| Depreciation & amortization | $352K | $346K | $6K | +2% |
| Working capital & other | $3.0M | −$1.6M | $4.6M | — |
| Operating cash flow | $632K | $4.7M | −$4.1M | -87% |
| Free cash flow (OCF − capex) | $332K | $4.4M | −$4.0M | -92% |
| Capital expenditures | $300K | $382K | −$82K | -21% |
Questions
How much did Bank of the James Financial Group's revenue grow quarter over quarter in Q2 2026?
Bank of the James Financial Group's revenue rose $1.0M (+8%) from $12.7M in Q1 2026 to $13.7M in Q2 2026. Operating margin 29.6% against 27.4% (+2.2 pts).