Filing Flows › Bank of the James Financial Group (BOTJ) › Q3 2025
Bank of the James Financial Group (BOTJ) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 14, 2025
Bank of the James Financial Group (BOTJ) reported revenue of $12.5M for the third quarter 2025 (Q3 2025), +10% from a year earlier and +1% from the quarter before. Operating margin was 25.8%, net earnings $2.8M (22.1% of revenue).
Bank of the James Financial Group, Q3 2025: revenue $12.5M (+10% year over year), operating margin 25.8%, net earnings $2.8M, operating cash flow $5.3M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $12.5M | +1% | +10% |
| Operating profit | $3.2M | -5% | +31% |
| Net earnings | $2.8M | +2% | +38% |
| Operating cash flow | $5.3M | +44% | +6% |
What changed
Revenue was $12.5M in Q3 2025, up 10% year over year and up 1% from the previous quarter.
Operating profit was $3.2M, a 25.8% margin (up 4.1 points year over year). Of the extra revenue versus a year earlier, 66% reached operating profit, above the 22% margin then. Total costs grew 4% against revenue growth of 10%. Net earnings were $2.8M, up 38% year over year. The effective tax rate was 14.5%.
Operating cash flow was $5.3M (up 6% year over year), 191% of net earnings. Non-cash charges added back $331K of depreciation and amortization. Working capital and other items added $2.2M. Capital expenditures of −$215K left free cash flow of $5.5M.
Questions
What was Bank of the James Financial Group's revenue in the third quarter 2025?
Bank of the James Financial Group (BOTJ) reported revenue of $12.5M for the third quarter 2025 (Q3 2025), +10% from a year earlier and +1% from the quarter before.
Was Bank of the James Financial Group profitable in the third quarter 2025?
Operating profit was $3.2M (25.8% of revenue) and net earnings $2.8M.
Source: Bank of the James Financial Group 10-Q on SEC EDGAR.