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Bank of the James Financial Group BOTJ Free cash flow margin

Free cash flow margin at other companies

Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
149.6%+114pp
C&F Financial logo
C&F FinancialCFFI
7.8%-19.9pp
Riverview Bancorp logo
Riverview BancorpRVSB
49.2%+29.5pp
PRO
Provident Financial HoldingsPROV
18.9%—
VAB
Virginia National Bankshares CorporationVABK
44.8%+20.7pp
National Bankshares logo
National BanksharesNKSH
28.6%+19.7pp

Other financials

Income statement

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Revenue$12.7M+15.4%
Net income$2.8M+229%
EPS (diluted)$0.61+221%

Balance sheet

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Cash & equivalents$88.0M-7.3%
Total debt$3.3M-14.8%
Total equity$81.3M+18.9%
Total assets$1.1B+4.9%

Cash flow

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Operating cash flow$4.7M+521%
CapEx$382.0K-38.6%
Free cash flow$4.4M+2,990%

Valuation

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Market cap$116.4M+84.6%
P/E10.6×+1.8×
P/S2.3×+0.9×

Profitability

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Net margin21.8%+7.1pp

Returns & leverage

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Return on equity14.6%+4.4pp
Debt / equity0×0.0×

Where this comes from

Calculated from Bank of the James Financial Group’s reported figures.

free cash flow/total revenue=29.2%

Based on trailing twelve months.

The official record: Bank of the James Financial Group’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of the James Financial Group's free cash flow margin?
Bank of the James Financial Group (BOTJ) reported free cash flow margin of 29.2% in Q1 2026.
How has Bank of the James Financial Group's free cash flow margin changed year-over-year?
Bank of the James Financial Group's free cash flow margin increased by 68.8% year-over-year, from 17.3% to 29.2%.
What is the long-term trend for Bank of the James Financial Group's free cash flow margin?
Over 4 years (2020 to 2025), Bank of the James Financial Group's free cash flow margin has grown at a 22.6% compound annual growth rate (CAGR), from 9.5% to 21.6%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.