Filing Flows › Bank of the James Financial Group (BOTJ) › Q2 2026
Bank of the James Financial Group (BOTJ) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 12, 2026
Bank of the James Financial Group (BOTJ) reported revenue of $13.7M for the second quarter 2026 (Q2 2026), +11% from a year earlier and +8% from the quarter before. Operating margin was 29.6%, net earnings $3.2M (23.6% of revenue).
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 follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $13.7M | +8% | +11% |
| Operating profit | $4.1M | +17% | +20% |
| Net earnings | $3.2M | +17% | +20% |
| Operating cash flow | $632K | -87% | -83% |
| Free cash flow | $332K | -92% | -91% |
What changed
Revenue was $13.7M in Q2 2026, up 11% year over year and up 8% from the previous quarter.
Operating profit was $4.1M, a 29.6% margin (up 2.1 points year over year). Of the extra revenue versus Q2 2025, 48% reached operating profit, above the 28% margin then. Total costs grew 8% against revenue growth of 11%. Net earnings were $3.2M, up 20% year over year. The effective tax rate was 20.4%.
Operating cash flow was $632K (down 83% year over year), 20% of net earnings. Non-cash charges added back $352K of depreciation and amortization. Working capital and other items used $3.0M. Capital expenditures of $300K left free cash flow of $332K.
Questions
What was Bank of the James Financial Group's revenue in the second quarter 2026?
Bank of the James Financial Group (BOTJ) reported revenue of $13.7M for the second quarter 2026 (Q2 2026), +11% from a year earlier and +8% from the quarter before.
Was Bank of the James Financial Group profitable in the second quarter 2026?
Operating profit was $4.1M (29.6% of revenue) and net earnings $3.2M.
Source: Bank of the James Financial Group 10-Q on SEC EDGAR.