Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 18.94% is in line with its 5-year average of 17.78%, near the high end of its 5-year range (5.88%–23.41%).
0.31% above its 12-month average of 18.88%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 19.33%.
NET PROFIT MARGIN
18.94%
NET PROFIT MARGIN AVG TTM
18.88%
NET PROFIT MARGIN AVG 3Y
16.03%
NET PROFIT MARGIN AVG 5Y
17.78%
NET PROFIT MARGIN AVG 10Y
16.41%
NET PROFIT MARGIN AVG 15Y
15.44%
NET PROFIT MARGIN AVG 20Y
13.13%
CURRENT VS TTM AVG
+0.31%
CURRENT VS 3Y AVG
+18.14%
CURRENT VS 5Y AVG
+6.50%
CURRENT VS 10Y AVG
+15.40%
CURRENT VS 15Y AVG
+22.66%
CURRENT VS 20Y AVG
+44.21%
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+43.43%
vs the sector median at left
Bank of the James Financial Group, Inc.
Market Cap
$123.92M
Net Profit Margin
18.94%
TTM Avg
18.88%
3Y Avg
16.03%
5Y Avg
17.78%
Market Cap
$123.47M
Net Profit Margin
1.10%
TTM Avg
-3.64%
3Y Avg
0.67%
5Y Avg
0.67%
Market Cap
$121.31M
Net Profit Margin
18.89%
TTM Avg
15.82%
3Y Avg
18.79%
5Y Avg
17.04%
Market Cap
$125.56M
Net Profit Margin
16.37%
TTM Avg
16.75%
3Y Avg
9.61%
5Y Avg
9.61%
Market Cap
$120.68M
Net Profit Margin
26275.39%
TTM Avg
13154.06%
3Y Avg
6563.90%
5Y Avg
4413.37%
Market Cap
$120.48M
Net Profit Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$120.28M
Net Profit Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$126.47M
Net Profit Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$126.55M
Net Profit Margin
273.74%
TTM Avg
-2302.96%
3Y Avg
-1521.99%
5Y Avg
-1266.06%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Bank of the James Financial Group, Inc. (BOTJ) | $123.92M | 18.94% | 18.88% | 16.03% | 17.78% |
| Hoyne Bancorp, Inc. Common Stock (HYNE)vs › | $123.47M | 1.10% | -3.64% | 0.67% | 0.67% |
| Magyar Bancorp, Inc. (MGYR)vs › | $121.31M | 18.89% | 15.82% | 18.79% | 17.04% |
| Bluemount Holdings Limited (BMHL)vs › | $125.56M | 16.37% | 16.75% | 9.61% | 9.61% |
| SUI Group Holdings Limited (SUIG)vs › | $120.68M | 26275.39% | 13154.06% | 6563.90% | 4413.37% |
| Cantor Equity Partners VI, Inc. Class A Ordinary Shares (CEPS)vs › | $120.48M | 0.00% | 0.00% | 0.00% | 0.00% |
| FG Communities Holdings Inc. (FGCPP)vs › | $120.28M | N/A | N/A | N/A | N/A |
| NMP Acquisition Corp. (NMP)vs › | $126.47M | 0.00% | 0.00% | 0.00% | 0.00% |
| MMTec, Inc. (MTC)vs › | $126.55M | 273.74% | -2302.96% | -1521.99% | -1266.06% |
| Pantages Capital Acquisition Corp (PGAC)vs › | $119.96M | 0.00% | 79.36% | 79.36% | 79.36% |
Operating Margin
17.0%
Net Profit Margin
18.9%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 19.33% |
| 2026-03-31 | 23.41% |
| 2025-12-31 | 16.67% |
| 2025-09-30 | 17.50% |
| 2025-06-30 | 17.50% |
| 2025-03-31 | 5.88% |
| 2024-12-31 | 10.61% |
| 2024-09-30 | 13.10% |
| 2024-06-30 | 14.42% |
| 2024-03-31 | 16.05% |
| 2023-12-31 | 15.58% |
| 2023-09-30 | 15.83% |
| 2023-06-30 | 19.77% |
| 2023-03-31 | 16.61% |
| 2022-12-31 | 16.98% |
| 2022-09-30 | 21.43% |
| 2022-06-30 | 22.10% |
| 2022-03-31 | 20.80% |
| 2021-12-31 | 18.71% |
| 2021-09-30 | 19.14% |
| 2021-06-30 | 20.14% |
| 2021-03-31 | 19.27% |
| 2020-12-31 | 16.39% |
| 2020-09-30 | 14.48% |
| 2020-06-30 | 8.56% |
| 2020-03-31 | 10.50% |
| 2019-12-31 | 15.88% |
| 2019-09-30 | 15.42% |
| 2019-06-30 | 15.48% |
| 2019-03-31 | 14.82% |
| 2018-12-31 | 17.88% |
| 2018-09-30 | 17.21% |
| 2018-06-30 | 16.14% |
| 2018-03-31 | 15.56% |
| 2017-12-31 | 4.80% |
| 2017-09-30 | 14.03% |
| 2017-06-30 | 11.38% |
| 2017-03-31 | 12.11% |
| 2016-12-31 | 4.42% |
| 2016-09-30 | 15.87% |
| 2016-06-30 | 16.16% |
| 2016-03-31 | 14.40% |
| 2015-12-31 | 13.33% |
| 2015-09-30 | 15.61% |
| 2015-06-30 | 15.93% |
| 2015-03-31 | 16.26% |
| 2014-12-31 | 16.46% |
| 2014-09-30 | 16.39% |
| 2014-06-30 | 15.28% |
| 2014-03-31 | 13.49% |
| 2013-12-31 | 11.96% |
| 2013-09-30 | 15.38% |
| 2013-06-30 | 14.74% |
| 2013-03-31 | 14.47% |
| 2012-12-31 | 13.62% |
| 2012-09-30 | 9.37% |
| 2012-06-30 | 8.95% |
| 2012-03-31 | 6.79% |
| 2011-12-31 | -3.70% |
| 2011-09-30 | 1.06% |
| 2011-06-30 | 5.64% |
| 2011-03-31 | 7.75% |
| 2010-12-31 | 2.87% |
| 2010-09-30 | 7.97% |
| 2010-06-30 | 12.06% |
| 2010-03-31 | 5.93% |
| 2009-12-31 | 2.85% |
| 2009-09-30 | -20.64% |
| 2009-06-30 | 3.13% |
| 2009-03-31 | 3.60% |
| 2008-12-31 | 9.59% |
| 2008-09-30 | -36.18% |
| 2008-06-30 | 9.65% |
| 2008-03-31 | 9.53% |
| 2007-12-31 | 11.02% |
| 2007-09-30 | 11.10% |
| 2007-06-30 | 9.97% |
| 2007-03-31 | 8.42% |
| 2006-12-31 | 12.07% |
| 2006-09-30 | 9.38% |
| 2006-06-30 | 10.47% |
| 2006-03-31 | 9.39% |
| 2005-12-31 | 14.15% |
| 2005-09-30 | 13.07% |
| 2005-06-30 | 12.23% |
| 2005-03-31 | 10.95% |
| 2004-12-31 | 15.53% |
| 2004-09-30 | 6.85% |
| 2004-06-30 | 16.16% |
| 2004-03-31 | 13.92% |
| 2003-12-31 | 13.20% |
| 2003-09-30 | 16.11% |
| 2003-06-30 | 17.27% |
| 2003-03-31 | 13.71% |
| 2002-12-31 | 0.00% |
| 2002-09-30 | 0.00% |
