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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalMarket CapitalizationNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Bank Of The James Financial Group (BOTJ) Operating Margin: 2012-2024

Historic Operating Margin for Bank Of The James Financial Group (BOTJ) over the last 13 years, with Dec 2024 value amounting to 52.06%.

  • Bank Of The James Financial Group's Operating Margin rose 825.00% to -799.52% in Q3 2025 from the same period last year, while for Sep 2025 it was -854.97%, marking a year-over-year decrease of 5883.00%. This contributed to the annual value of 52.06% for FY2024, which is 328.00% down from last year.
  • Bank Of The James Financial Group's Operating Margin amounted to 52.06% in FY2024, which was down 5.93% from 55.34% recorded in FY2023.
  • Bank Of The James Financial Group's Operating Margin's 5-year high stood at 79.53% during FY2021, with a 5-year trough of 52.06% in FY2024.
  • Moreover, its 3-year median value for Operating Margin was 55.34% (2023), whereas its average is 57.46%.
  • As far as peak fluctuations go, Bank Of The James Financial Group's Operating Margin crashed by 1,772bps in 2020, and later soared by 1,568bps in 2021.
  • Yearly analysis of 5 years shows Bank Of The James Financial Group's Operating Margin stood at 63.85% in 2020, then spiked by 1,568bps to 79.53% in 2021, then crashed by 1,456bps to 64.97% in 2022, then plummeted by 962bps to 55.34% in 2023, then plummeted by 328bps to 52.06% in 2024.