Bank of The James Financial Group Inc (BOTJ) FinancialsBOTJBank of The James Financial Group Inc

Evaluating the bottom line, Bank of The James Financial Group Inc maintains a gross margin of 81.26%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 24.43%, while the net margin is 19.46%. These profitability ratios, combined with a Return on Equity (ROE) of 15.52%, provide a clear picture of how effectively BOTJ converts its operational activities into shareholder value.

In the context of the broader market, BOTJ competes directly with industry leaders such as PBHC and UNB. With a market capitalization of $110.14M, it holds a significant position in the sector. When comparing efficiency, BOTJ's gross margin of 81.26% stands against PBHC's 792.56% and UNB's 64.44%. Such benchmarking helps identify whether Bank of The James Financial Group Inc is trading at a premium or discount relative to its financial performance.

The company has demonstrated strong revenue growth, with Q3 2026 revenue reaching $17.06 million, up from $12.69 million in Q1 2026. Net income has also increased to $3.32 million in Q3 2026, reflecting a solid financial performance.