Bank of the James Financial Group Profit Margin

The latest profit margin for BOTJ is 1.63% as of March 2026. That compares with 11.71% in the prior-year period — down 86.1% year over year. That is below the Finance sector average of 17.37%. Investors often review this figure alongside Bank of the James Financial Group's historical trend and sector peers before judging valuation or financial health.

Over the past year, BOTJ's profit margin moved from 11.71% to 1.63% — a 86.1% year-over-year decrease. If the trend continues in the same direction for several quarters, it can signal a meaningful shift in Bank of the James Financial Group's valuation or profitability profile.

Against Finance companies, BOTJ currently prints 1.63% for profit margin, while the sector average sits near 17.37%. That is roughly 90.6% below the sector mean. Large gaps often invite a closer look at Bank of the James Financial Group's growth, margins, and balance sheet.

Profit Margin shows how effectively Bank of the James Financial Group converts resources into returns. At 1.63%, BOTJ may look efficient or underperforming depending on peer benchmarks and trend direction. That compares with 11.71% in the prior-year period — down 86.1% year over year. Pair the percentage with revenue growth and leverage for a fuller health check.

After noting BOTJ's profit margin (1.63%), review year-over-year change from 11.71%, peer averages, and a few neighboring metrics such as revenue, margins, or valuation multiples. That combination usually beats staring at a single figure. The navigation links on this page jump you to those related views.