Filing Flows › Bank of the James Financial Group (BOTJ) › How it makes money
How Bank of the James Financial Group (BOTJ) makes money
Bank of the James Financial Group (BOTJ) made $13.7M of revenue in the second quarter 2026 (Q2 2026), +11% from a year earlier. Of every dollar of revenue, 30¢ was left as operating profit, 24¢ was left as net earnings.
Drawing the Sankey…
Where each dollar of revenue goes
| Line | Q2 2026 | % of revenue |
|---|---|---|
| Revenue | $13.7M | 100.0% |
| Operating profit | $4.1M | 29.6% |
| Income tax | $829K | 6.0% |
| Net earnings | $3.2M | 23.6% |
| Operating cash flow | $632K | 4.6% |
| Free cash flow | $332K | 2.4% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q2 2026 | $13.7M | +11% |
| Q1 2026 | $12.7M | +15% |
| Q4 2025 | $12.9M | +12% |
| Q3 2025 | $12.5M | +10% |
| Q2 2025 | $12.3M | +9% |
| Q1 2025 | $11.0M | +7% |
| Q4 2024 | $11.5M | +9% |
From Bank of the James Financial Group's 10-Q filed Aug 12, 2026 (on EDGAR).
Questions
How does Bank of the James Financial Group make money?
Bank of the James Financial Group (BOTJ) made $13.7M of revenue in the second quarter 2026 (Q2 2026), +11% from a year earlier. Of every dollar of revenue, 30¢ was left as operating profit, 24¢ was left as net earnings.
What is Bank of the James Financial Group's profit margin?
Net earnings were $3.2M, 23.6% of revenue, in the second quarter 2026; the operating margin was 29.6%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.