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Bank of the James Financial profit margin BOTJ

Gross, operating and net profit as a share of revenue over the last twelve months, from 2011.

Net margin, 12 months
22.2%
Net margin on a year earlier
+6.7 pts
Peer median
16.6%

Over the twelve months to Jun 30, 2026, Bank of the James Financial kept 22.2% of its revenue as net profit.

Five years earlier its net margin was 18.4%.

The median for 10 regional banks of a similar size is 16.6%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY202518.5%
FY202417.9%
FY202320.4%
FY202220.9%
FY202119.8%
FY202013.8%
FY201917.7%
FY201818.7%
FY201711.5%
FY201613.7%
FY201516.9%
FY201417.1%
FY201315.7%
FY201211.0%
FY20113.2%

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY2622.2%+6.7 pts
Q1 FY2621.8%+7.1 pts
Q4 FY2518.5%+0.6 pts
Q3 FY2516.7%−2.7 pts
Q2 FY2515.5%−4.5 pts
Q1 FY2514.6%−6.5 pts
Q4 FY2417.9%−2.5 pts
Q3 FY2419.4%−0.4 pts
Q2 FY2420.0%−0.5 pts
Q1 FY2421.1%+0.9 pts
Q4 FY2320.4%−0.4 pts
Q3 FY2319.9%−1.4 pts

Against its peers

Companies in Banks - Regional nearest Bank of the James Financial's size, closest first, today.

CompanyProfit margin
BOTJBank of the James Financial22.2%
MGYRMagyar Bancorpn/m
LSBKLake Shore Bancorp28.2%
FINWFinwise Bancorp7.6%
SRBKSR Bancorp10.0%
WSBKWinchester Bancorp16.8%
BSBKBogota Financial14.4%
SFBCSound Financial Bancorp19.9%
UNBUnion Bankshares21.2%
PROVProvident Financial16.6%
HNVRHanover Bancorp12.6%
Peer median16.6%

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on Bank of the James Financial

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.