Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 16.96% is 21% below its 5-year average of 21.53%, around the middle of its 5-year range (-4.09%–27.63%).
0.96% above its 12-month average of 16.80%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 24.27%.
OPERATING MARGIN
16.96%
OPERATING MARGIN AVG TTM
16.80%
OPERATING MARGIN AVG 3Y
18.55%
OPERATING MARGIN AVG 5Y
21.53%
OPERATING MARGIN AVG 10Y
20.49%
OPERATING MARGIN AVG 15Y
19.53%
OPERATING MARGIN AVG 20Y
17.59%
CURRENT VS TTM AVG
+0.96%
CURRENT VS 3Y AVG
-8.57%
CURRENT VS 5Y AVG
-21.22%
CURRENT VS 10Y AVG
-17.21%
CURRENT VS 15Y AVG
-13.15%
CURRENT VS 20Y AVG
-3.60%
SECTOR MEDIAN · FINANCIAL SERVICES
17.73%
median of 433 covered companies
CURRENT VS SECTOR MEDIAN
-4.34%
vs the sector median at left
Bank of the James Financial Group, Inc.
Market Cap
$124.21M
Operating Margin
16.96%
TTM Avg
16.80%
3Y Avg
18.55%
5Y Avg
21.53%
Market Cap
$123.54M
Operating Margin
0.14%
TTM Avg
-6.52%
3Y Avg
-8.27%
5Y Avg
-8.27%
Market Cap
$121.19M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$127.33M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$127.75M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$117.61M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$117.07M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$131.70M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Bank of the James Financial Group, Inc. (BOTJ) | $124.21M | 16.96% | 16.80% | 18.55% | 21.53% |
| Hoyne Bancorp, Inc. Common Stock (HYNE)vs › | $123.54M | 0.14% | -6.52% | -8.27% | -8.27% |
| Cantor Equity Partners VI, Inc. Class A Ordinary Shares (CEPS)vs › | $121.19M | 0.00% | 0.00% | 0.00% | 0.00% |
| FortuneX Acquisition Corp (FXAC)vs › | $127.33M | N/A | N/A | N/A | N/A |
| Futurewave Acquisition Corp. (FWAC)vs › | $127.75M | N/A | N/A | N/A | N/A |
| Alpex Acquisition Corp. (ALPX)vs › | $118.70M | N/A | N/A | N/A | N/A |
| Burtech Acquisition Corp II (BRKH)vs › | $117.61M | N/A | N/A | N/A | N/A |
| Charlton Aria Acquisition Corporation (CHAR)vs › | $117.07M | 0.00% | 0.00% | 0.00% | 0.00% |
| East West Ave Acquisition Corp. Common Stock (EWAV)vs › | $131.70M | N/A | N/A | N/A | N/A |
| Bogota Financial Corp. (BSBK)vs › | $116.72M | 6.85% | -0.64% | 7.53% | 12.41% |
Operating Margin
17.0%
Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-06-30 | 24.27% |
| 2026-03-31 | -4.09% |
| 2025-12-31 | 21.36% |
| 2025-09-30 | 20.47% |
| 2025-06-30 | 21.99% |
| 2025-03-31 | 7.25% |
| 2024-12-31 | 13.58% |
| 2024-09-30 | 16.21% |
| 2024-06-30 | 17.90% |
| 2024-03-31 | 19.97% |
| 2023-12-31 | 15.16% |
| 2023-09-30 | 19.72% |
| 2023-06-30 | 24.71% |
| 2023-03-31 | 20.68% |
| 2022-12-31 | 20.82% |
| 2022-09-30 | 26.44% |
| 2022-06-30 | 27.63% |
| 2022-03-31 | 25.99% |
| 2021-12-31 | 23.05% |
| 2021-09-30 | 23.87% |
| 2021-06-30 | 25.22% |
| 2021-03-31 | 24.08% |
| 2020-12-31 | 20.19% |
| 2020-09-30 | 18.15% |
| 2020-06-30 | 10.55% |
| 2020-03-31 | 13.05% |
| 2019-12-31 | 19.11% |
| 2019-09-30 | 19.30% |
| 2019-06-30 | 19.34% |
| 2019-03-31 | 18.50% |
| 2018-12-31 | 22.49% |
| 2018-09-30 | 21.51% |
| 2018-06-30 | 20.15% |
| 2018-03-31 | 19.37% |
| 2017-12-31 | 21.69% |
| 2017-09-30 | 20.58% |
| 2017-06-30 | 16.52% |
| 2017-03-31 | 17.56% |
| 2016-12-31 | 6.02% |
| 2016-09-30 | 23.38% |
| 2016-06-30 | 23.91% |
| 2016-03-31 | 21.19% |
| 2015-12-31 | 18.08% |
| 2015-09-30 | 23.04% |
| 2015-06-30 | 23.48% |
| 2015-03-31 | 23.91% |
| 2014-12-31 | 19.59% |
| 2014-09-30 | 24.02% |
| 2014-06-30 | 22.17% |
| 2014-03-31 | 19.27% |
| 2013-12-31 | 12.27% |
| 2013-09-30 | 22.09% |
| 2013-06-30 | 21.01% |
| 2013-03-31 | 20.55% |
| 2012-12-31 | 14.25% |
| 2012-09-30 | 12.08% |
| 2012-06-30 | 12.79% |
| 2012-03-31 | 9.49% |
| 2011-12-31 | -10.94% |
| 2011-09-30 | 1.13% |
| 2011-06-30 | 8.03% |
| 2011-03-31 | 11.22% |
| 2010-12-31 | 0.31% |
| 2010-09-30 | 11.60% |
| 2010-06-30 | 17.78% |
| 2010-03-31 | 8.82% |
| 2009-12-31 | -1.11% |
| 2009-09-30 | -31.36% |
| 2009-06-30 | 4.66% |
| 2009-03-31 | 5.35% |
| 2008-12-31 | -20.56% |
| 2008-09-30 | -30.27% |
| 2008-06-30 | 14.52% |
| 2008-03-31 | 13.99% |
| 2007-12-31 | 16.70% |
| 2007-09-30 | 16.83% |
| 2007-06-30 | 15.13% |
| 2007-03-31 | 12.78% |
| 2006-12-31 | 19.03% |
| 2006-09-30 | 14.50% |
| 2006-06-30 | 16.18% |
| 2006-03-31 | 14.56% |
| 2005-12-31 | 21.45% |
| 2005-09-30 | 19.73% |
| 2005-06-30 | 18.55% |
| 2005-03-31 | 16.58% |
| 2004-12-31 | 23.53% |
| 2004-09-30 | 10.39% |
| 2004-06-30 | 24.33% |
| 2004-03-31 | 21.23% |
| 2003-12-31 | 19.92% |
| 2003-09-30 | 24.43% |
| 2003-06-30 | 26.16% |
| 2003-03-31 | 21.22% |
| 2002-12-31 | 0.00% |
| 2002-09-30 | 0.00% |
