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CB Financial Services vs Bank of the James Financial Group: CBFV and BOTJ compared
CB Financial Services is the larger company: $16.0M of revenue in its latest quarter (Q3 2026) against $13.7M for Bank of the James Financial Group (Q2 2026). CB Financial Services is growing faster (+561% against +11% a year earlier). CB Financial Services is more profitable, with an operating margin of 36.4% against 29.6%.
Where the money goes: CBFV and BOTJ
CB Financial Services (CBFV) · Q3 2026
CB Financial Services, Q3 2026: revenue $16.0M (+561% year over year), operating margin 36.4%, net earnings $5.3M, operating cash flow −$1.7M. The chart follows the revenue to costs, profit and cash.
Bank of the James Financial Group (BOTJ) · Q2 2026
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.
| CB Financial Services (CBFV) | Bank of the James Financial Group (BOTJ) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $16.0M | $13.7M |
| Revenue growth, Y/Y | +561% | +11% |
| Operating margin | 36.4% | 29.6% |
| Net earnings | $5.3M | $3.2M |
| Net margin | 33.3% | 23.6% |
| Operating cash flow | −$1.7M | $632K |
| Free cash flow | — | $332K |
Where the revenue comes from
CB Financial Services
- Net interest income: $15.0M (94%)
- Noninterest income: $1.0M (6%)
Questions
Which is bigger, CB Financial Services or Bank of the James Financial Group?
CB Financial Services is the larger company: $16.0M of revenue in its latest quarter (Q3 2026) against $13.7M for Bank of the James Financial Group (Q2 2026).
Is CB Financial Services or Bank of the James Financial Group growing faster?
CB Financial Services is growing faster (+561% against +11% a year earlier).
Which is more profitable, CB Financial Services or Bank of the James Financial Group?
CB Financial Services is more profitable, with an operating margin of 36.4% against 29.6%.
More: CB Financial Services earnings · how CB Financial Services makes money · Bank of the James Financial Group earnings · how Bank of the James Financial Group makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 9, 2026; 10-Q filed Aug 12, 2026). Fiscal quarters can end on different dates. Not investment advice.