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Net margin at other companies

Wells Fargo & Company logo
Wells Fargo & CompanyWFC
25.5%+1.0pp
Truist Financial logo
Truist FinancialTFC
26.9%-9.8pp
Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
22.6%-1.8pp
C&F Financial logo
C&F FinancialCFFI
19.5%+2.7pp
Riverview Bancorp logo
Riverview BancorpRVSB
-10.1%-19.8pp
PRO
Provident Financial HoldingsPROV
15.5%-1.3pp

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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FCF margin29.2%+11.9pp

Returns & leverage

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Return on equity14.6%+4.4pp
Debt / equity0.0×

Where this comes from

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

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 net margin?
Bank of the James Financial Group (BOTJ) reported net margin of 21.8% in Q1 2026.
How has Bank of the James Financial Group's net margin changed year-over-year?
Bank of the James Financial Group's net margin increased by 48.8% year-over-year, from 14.6% to 21.8%.
What is the long-term trend for Bank of the James Financial Group's net margin?
Over 5 years (2020 to 2025), Bank of the James Financial Group's net margin has grown at a 6.1% compound annual growth rate (CAGR), from 13.8% to 18.5%.
What does net margin mean?
Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.