Filing Flows › Bank of the James Financial Group (BOTJ) › Q2 2026 › vs Q2 2025
Bank of the James Financial Group (BOTJ) Q2 2026 vs Q2 2025 (year over year)
Bank of the James Financial Group's revenue rose $1.4M (+11%) from $12.3M in Q2 2025 to $13.7M in Q2 2026. Operating margin 29.6% against 27.6% (+2.1 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 Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 29.6% | 27.6% | +2.1 pts |
| Net margin | 23.6% | 21.9% | +1.7 pts |
| Free cash flow margin | 2.4% | 28.6% | -26.2 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $13.7M | $12.3M | $1.4M | +11% |
| Operating profit | $4.1M | $3.4M | $671K | +20% |
| Costs & expenses | $9.7M | $8.9M | $734K | +8% |
| Pre-tax earnings | $4.1M | $3.4M | $671K | +20% |
| Credit loss provision | $350K | −$528K | $878K | — |
| Noninterest expense | $9.3M | $9.5M | −$144K | -2% |
| Net earnings | $3.2M | $2.7M | $536K | +20% |
| Income tax | $829K | $694K | $135K | +19% |
| Depreciation & amortization | $352K | $338K | $14K | +4% |
| Working capital & other | $3.0M | −$611K | $3.6M | — |
| Operating cash flow | $632K | $3.7M | −$3.0M | -83% |
| Free cash flow (OCF − capex) | $332K | $3.5M | −$3.2M | -91% |
| Capital expenditures | $300K | $125K | $175K | +140% |
Questions
How much did Bank of the James Financial Group's revenue grow year over year in Q2 2026?
Bank of the James Financial Group's revenue rose $1.4M (+11%) from $12.3M in Q2 2025 to $13.7M in Q2 2026. Operating margin 29.6% against 27.6% (+2.1 pts).