Filing Flows › Bank of the James Financial Group (BOTJ) › Q4 2025
Bank of the James Financial Group (BOTJ) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 27, 2026
Bank of the James Financial Group (BOTJ) reported revenue of $12.9M for the fourth quarter 2025 (Q4 2025), +12% from a year earlier and +3% from the quarter before. Operating margin was 27.1%, net earnings $2.7M (21.2% of revenue).
Bank of the James Financial Group, Q4 2025: revenue $12.9M (+12% year over year), operating margin 27.1%, net earnings $2.7M, operating cash flow $2.0M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $12.9M | +3% | +12% |
| Operating profit | $3.5M | +8% | +69% |
| Net earnings | $2.7M | -1% | +68% |
| Operating cash flow | $2.0M | -63% | +5% |
| Free cash flow | $1.3M | -76% | -13% |
What changed
Revenue was $12.9M in Q4 2025, up 12% year over year and up 3% from the previous quarter.
Operating profit was $3.5M, a 27.1% margin (up 9.1 points year over year). Of the extra revenue versus Q4 2024, 104% reached operating profit, above the 18% margin then. Total costs fell 1% while revenue rose 12%. Net earnings were $2.7M, up 68% year over year. The effective tax rate was 22.0%.
Operating cash flow was $2.0M (up 5% year over year), 72% of net earnings. Non-cash charges added back $335K of depreciation and amortization. Working capital and other items used $1.1M. Capital expenditures of $633K left free cash flow of $1.3M.
Questions
What was Bank of the James Financial Group's revenue in the fourth quarter 2025?
Bank of the James Financial Group (BOTJ) reported revenue of $12.9M for the fourth quarter 2025 (Q4 2025), +12% from a year earlier and +3% from the quarter before.
Was Bank of the James Financial Group profitable in the fourth quarter 2025?
Operating profit was $3.5M (27.1% of revenue) and net earnings $2.7M.
Source: Bank of the James Financial Group 10-K on SEC EDGAR.