Bank of the James Financial Group, Inc.
BOTJ
Rank in Stocks
#19175
Bank of the James Financial Group, Inc. serves as the holding company for Bank... Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.
Share Price
$24.79
Last synced: 2026-11-09
Market Cap
$112.63M
Change (1 day)
1.43%
Change (1 year)
44.13%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Bank of the James Financial Group, Inc. (BOTJ)
Category
Financial Services
Operating Margin for Bank of the James Financial Group, Inc. (BOTJ)
Operating Margin as of November 2026 TTM: 15.74%
According to Bank of the James Financial Group, Inc.'s latest financial reports, its current operating margin (TTM) is 15.74%. At the end of 2025 the company had an operating margin of 17.83%.
Operating Margin history for Bank of the James Financial Group, Inc. from 2001 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 15.74% | -11.72% |
| 2025 | 17.83% | 5.94% |
| 2024 | 16.83% | -15.81% |
| 2023 | 19.99% | -20.52% |
| 2022 | 25.15% | 4.53% |
| 2021 | 24.06% | 54.03% |
| 2020 | 15.62% | -18.13% |
| 2019 | 19.08% | -8.84% |
| 2018 | 20.93% | 9.07% |
| 2017 | 19.19% | 3.39% |
| 2016 | 18.56% | -15.94% |
| 2015 | 22.08% | 3.76% |
| 2014 | 21.28% | 12.47% |
| 2013 | 18.92% | 56.62% |
| 2012 | 12.08% | 446.61% |
| 2011 | 2.21% | -77.19% |
| 2010 | 9.69% | -270.60% |
| 2009 | -5.68% | 74.23% |
| 2008 | -3.26% | -121.10% |
| 2007 | 15.45% | -4.39% |
| 2006 | 16.16% | -15.83% |
| 2005 | 19.20% | -3.03% |
| 2004 | 19.80% | -13.76% |
| 2003 | 22.96% | 47.09% |
| 2002 | 15.61% | 79.01% |
| 2001 | 8.72% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -96.55% |
CN
|
|
| 57.52% | -96.35% |
IT
|
|
| 21.82% | -98.61% |
IN
|
|
| 26.74% | -98.30% |
IN
|
|
| 20.55% | -98.69% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Bank of the James Financial Group, Inc.'s operating margin
What is Bank of the James Financial Group, Inc.'s operating margin?
Bank of the James Financial Group, Inc.'s operating margin is 15.74%, as of Nov 2026.
What was Bank of the James Financial Group, Inc.'s operating margin in 2025?
In 2025, Bank of the James Financial Group, Inc.'s operating margin was 17.83%, compared with 16.83% in 2024.
How has Bank of the James Financial Group, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Bank of the James Financial Group, Inc.'s operating margin was highest in 2022 (25.15%) and lowest in 2020 (15.62%).
How does Bank of the James Financial Group, Inc.'s operating margin compare with similar companies?
Bank of the James Financial Group, Inc.'s operating margin (15.74%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.