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: 18.57 Max: 22.15
Current: 22.15
BOTJ's Net Margin % is ranked worse than 65.25% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs BOTJ: 22.15
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
Bank of the James Financial Group Net Margin % Historical Data
* 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.
Bank of the James Financial Group Net Margin % Chart
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 % vs Banks Industry
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.
* 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.
Bank of the James Financial Group (BOTJ) has a Net Margin % of 22.18% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank of the James Financial Group and its competitors. This is 19% above median its historical median of 18.57. Over the past decade, Bank of the James Financial Group's Net Margin % has ranged from 11.72 to 22.15. According to the industry distribution chart, Bank of the James Financial Group ranks #997 out of 1528 companies in the Banks industry, placing it in the top 65.2%.
Is Bank of the James Financial Group's Net Margin % too high?
Bank of the James Financial Group's current Net Margin % of 22.18% is 19% above median its 10-year median of 18.57. Over the past 10 years, this metric has ranged from a low of 11.72 to a high of 22.15. The Banks industry median Net Margin % is 26.85. Bank of the James Financial Group's value of 22.18% is 17.4% below this industry median. Based on the distribution chart, Bank of the James Financial Group ranks #997 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Bank of the James Financial Group has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of the James Financial Group's Net Margin % compare to MPCB and PNBK?
According to the Banks industry distribution chart, Bank of the James Financial Group ranks #997 out of 1528 companies for Net Margin %. This places Bank of the James Financial Group in the lower half of its industry. The industry median Net Margin % is 26.85. Bank of the James Financial Group's value of 22.18% is 17.4% below this benchmark. Historically, Bank of the James Financial Group's own Net Margin % has ranged from 11.72 to 22.15 over the past decade. While the company's 10-year median is 18.57 vs. the industry median of 26.85, Bank of the James Financial Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the James Financial Group's current Net Margin % of 22.18% is 17.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bank of the James Financial Group and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the James Financial Group's current Net Margin % is 22.18%, which is 19% above median its own 10-year median of 18.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of the James Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Bank of the James Financial Group (BOTJ) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.81, compared to a current price of $25.61 — trading 62% above its estimated fair value. The current Net Margin % is 22.18%, which is 19% above median its 10-year median of 18.57 and 17.4% below the Banks industry median of 26.85. Bank of the James Financial Group's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current Net Margin % is 22.18% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of the James Financial Group (BOTJ) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of the James Financial Group stock appears to be overvalued.
The current stock price of $25.61 is trading 62% above its estimated GF Value™ of $15.81.
GuruFocus considers Bank of the James Financial Group to be Significantly Overvalued.
Key valuation signals for BOTJ:
Net Margin %: 22.18% (19% above median its 10-year median of 18.57)
GF Value™: $15.81 vs. price of $25.61 (62% above fair value)
Industry Position: 17.4% below the Banks median (#997 of 1528)
No single metric tells the full story. See the BOTJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of the James Financial Group Business Description
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.
63GF Score
Get the complete analysis for BOTJ
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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