Bank of the James Financial Group (Bank of the James Financial Group) Net Margin %

: 20.30% (As of Dec. 2023)

View and export this data going back to 2000. Start your Free Trial

Net margin is calculated as Net Income divided by its Revenue. Bank of the James Financial Group's Net Income for the three months ended in Dec. 2023 was $2.11 Mil. Bank of the James Financial Group's Revenue for the three months ended in Dec. 2023 was $10.39 Mil. Therefore, Bank of the James Financial Group's net margin for the quarter that ended in Dec. 2023 was 20.30%.

The historical rank and industry rank for Bank of the James Financial Group's Net Margin % or its related term are showing as below:

BOTJ' s Net Margin % Range Over the Past 10 Years
Min: 11.72 Med: 17.65 Max: 21.32
Current: 20.82

BOTJ's Net Margin % is ranked worse than
65.32% of 1462 companies
in the Banks industry
Industry Median: 25.535 vs BOTJ: 20.82

Bank of the James Financial Group Net Margin % Historical Data

The historical data trend for Bank of the James Financial Group's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Bank of the James Financial Group Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Net Margin %

18.03

14.22

20.41

21.32

20.82

Bank of the James Financial Group Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Net Margin %																18.00	18.91	23.95	20.08	20.30

Competitive Comparison

For the Banks - Regional subindustry, Bank of the James Financial Group's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bank of the James Financial Group Net Margin % Distribution

For the Banks industry and Financial Services sector, Bank of the James Financial Group's Net Margin % distribution charts can be found below:

* The bar in red indicates where Bank of the James Financial Group's Net Margin % falls into.

Bank of the James Financial Group Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Bank of the James Financial Group's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	8.704	/	41.802
	=	20.82 %

Bank of the James Financial Group's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	2.108	/	10.385
	=	20.30 %

Bank of the James Financial Group (NAS:BOTJ) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Bank of the James Financial Group Net Margin % Related Terms

Thank you for viewing the detailed overview of Bank of the James Financial Group's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.

Bank of the James Financial Group (Bank of the James Financial Group) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Bank of the James Financial Group Inc (NAS:BOTJ) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

828 Main Street, Lynchburg, VA, USA, 24504

Website

https://www.bankofthejames.bank

Bank of the James Financial Group Inc is a bank holding company that provides retail and commercial banking, deposit services, lending services, mortgage brokerage services and other banking services. The company provides a range of deposit services including checking accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. It offers various types of secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. It operates three business segments, community banking; mortgage banking, and investment advisory services.

Executives

Phillip C Jamerson	director	828 MAIN ST, LYNCHBURG VA 24504
Bryant William C Iii	director	828 MAIN ST, LYNCHBURG VA 24504
Alford John R Jr	director	828 MAIN ST, LYNCHBURG VA 24504
Foster Watt R Jr	director	828 MAIN ST, LYNCHBURG VA 24504
Lewis C Addison	director	828 MAIN ST, LYNCHBURG VA 24504
J Todd Scruggs	officer: Secretary-Treasurer	PO BOX 1200, LYNCHBURG VA 24505
Umberger Harry P Jr	officer: EVP - Chief Credit Officer	828 MAIN ST, LYNCHBURG VA 24504
Robert R Chapman	director, officer: President	PO BOX 1200, LYNCHBURG VA 24505
Dalton Aubrey Douglas Iii	director	828 MAIN ST, LYNCHBURG VA 24504
Petticolas Augustus A Jr	director	828 MAIN ST, LYNCHBURG VA 24504
Julie P Doyle	director	828 MAIN ST, LYNCHBURG VA 24504
Pettyjohn Thomas W Jr	director	PO BOX 1200, LYNCHBURG VA 24505
Michael A Syrek	officer: EVP - Senior Lending Officer	828 MAIN ST, LYNCHBURG VA 24504
Sorenson Eric John Jr	officer: EVP	828 MAIN STREET, LYNCHBURG VA 24504
Lydia K Langley	director	828 MAIN ST, LYNCHBURG VA 24504