Bank Of The James Financial (BOTJ) Gross Margin (2017 - 2026)
Bank Of The James Financial's (BOTJ) quarterly Gross Margin came in at 83.9% in Q1 2026, down 162.0% YoY from 135.33% in Q1 2025, and down 1.98% on a QoQ basis from 85.6% in Q4 2025.
Bank Of The James Financial (BOTJ) Gross Margin (2017 - 2026) Analysis & Trends
Bank Of The James Financial (BOTJ) has 10 years of Gross Margin data on file, last reported at 83.9% in Q1 2026.
- Quarterly Gross Margin fell 162.0% year-over-year to 83.9% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 82.9% (down 21.0% YoY) and the FY2025 annual result came in at 79.71%, down 110.0% from the prior year.
- Gross Margin eased to 83.9% in Q1 2026, from 85.6% in the prior quarter.
- In the past five years, Gross Margin ranged from a high of 96.85% in Q1 2024 to a low of 47.47% in Q4 2022.
- A 5-year average of 79.16% and a median of 81.46% in 2022 frame the typical range for Gross Margin.
- Annual changes were most pronounced in 2022 — Gross Margin tumbled 2165 bps — and 2023, when it soared 2792 bps.
- Tracing BOTJ's Gross Margin over 5 years: stood at 47.47% in 2022, then surged by 59 bps to 75.39% in 2023, then fell by 3 bps to 73.25% in 2024, then gained by 17 bps to 85.6% in 2025, then slipped by 2 bps to 83.9% in 2026.
- The last three Gross Margin figures came in at 83.9% (Q1 2026), 85.6% (Q4 2025), and 85.37% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | - |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | - |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | - |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 42.56% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | - |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | - |
| 10 | Bank Of The James Financial | 123.35 Mn | 72.42 Mn | 891,000.00 | 77.55% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 77.55% |
| Mar 31, 2026 | 83.90% |
| Dec 31, 2025 | 85.60% |
| Sep 30, 2025 | 85.37% |
| Jun 30, 2025 | 75.69% |
| Mar 31, 2025 | 85.52% |
| Dec 31, 2024 | 73.25% |
| Sep 30, 2024 | 86.78% |
| Jun 30, 2024 | 87.73% |
| Mar 31, 2024 | 96.85% |
| Dec 31, 2023 | 75.39% |
| Sep 30, 2023 | 79.68% |
| Jun 30, 2023 | 70.16% |
| Mar 31, 2023 | 80.26% |
| Dec 31, 2022 | 47.47% |
| Sep 30, 2022 | 83.09% |
| Jun 30, 2022 | 81.46% |
| Mar 31, 2022 | 67.57% |
| Dec 31, 2021 | 69.12% |
| Sep 30, 2021 | 80.39% |