Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Bank of the James Financial Group, Inc.'s quarterly P/E stands at 7.7x, down 29.8% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 31.8% YoY to 4.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.44 | 7.74 | 6.39 | 5.86 | 19.45 | 11.02 | 7.81 | 5.99 | 5.40 | 6.64 | 5.71 | 4.06 | 6.11 |
| — | -29.8% | -18.1% | -2.2% | +260.4% | +65.9% | +36.8% | +47.4% | -11.7% | -6.3% | -0.7% | -40.0% | -26.1% | |
| P/S Ratio | 1.80 | 1.29 | 1.13 | 1.03 | 1.17 | 1.18 | 1.03 | 0.86 | 0.86 | 1.03 | 0.91 | 0.81 | 1.02 |
| — | +9.3% | +9.7% | +20.4% | +35.7% | +15.3% | +13.0% | +6.5% | -15.0% | -14.4% | -26.3% | -45.7% | -40.8% | |
| P/B Ratio | 1.41 | 1.05 | 0.92 | 0.89 | 0.98 | 1.11 | 0.91 | 0.83 | 0.78 | 0.92 | 0.95 | 0.78 | 0.93 |
| — | -5.1% | +1.5% | +7.5% | +26.2% | +20.2% | -4.7% | +5.7% | -16.6% | -15.8% | -22.3% | -32.1% | -19.9% | |
| P/FCF | 10.72 | 34.88 | 2.94 | 4.53 | 119.05 | 11.67 | 4.65 | 4.62 | — | 4.05 | 5.41 | — | 2.62 |
| — | +199.0% | -36.7% | -2.0% | — | +188.1% | -13.9% | — | — | +8.1% | +36.9% | — | — | |
| EV / EBITDA | 7.44 | 4.45 | 3.71 | 3.24 | 10.08 | 6.51 | 5.13 | 3.83 | 3.23 | 4.94 | 3.98 | 2.70 | 3.71 |
| — | -31.8% | -27.7% | -15.3% | +212.0% | +31.8% | +28.8% | +42.0% | -12.8% | +54.5% | +43.2% | -24.6% | -22.1% | |
| EV / EBIT | 8.32 | 4.63 | 3.98 | 3.70 | 14.58 | 8.23 | 6.01 | 4.53 | 3.80 | 6.07 | 4.60 | 3.09 | 4.65 |
| — | -43.7% | -33.7% | -18.3% | +283.2% | +35.6% | +30.5% | +46.3% | -18.2% | +27.6% | +41.8% | -26.3% | -15.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Bank of the James Financial Group, Inc.'s operating margin was 21.4% in Q4 2025, up 0.9 pp QoQ and up 7.8 pp YoY. The trailing four-quarter average of 17.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 3.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.9% | 77.1% | 77.3% | 81.5% | 74.5% | 74.6% | 72.7% | 75.0% | 77.9% | 76.0% | 80.1% | 84.5% | 86.6% |
| — | +3.4% | +6.4% | +8.6% | -4.4% | -1.9% | -9.2% | -11.2% | -10.0% | -19.4% | -18.6% | -14.0% | -11.4% | |
| Operating Margin | 17.8% | 21.4% | 20.5% | 22.0% | 7.2% | 13.6% | 16.2% | 17.9% | 20.0% | 15.2% | 19.7% | 24.7% | 20.7% |
| — | +57.3% | +26.2% | +22.9% | -63.7% | -10.5% | -17.8% | -27.5% | -3.4% | -27.2% | -25.4% | -10.6% | -20.4% | |
| Net Margin | 14.4% | 16.7% | 17.5% | 17.5% | 5.9% | 10.6% | 13.1% | 14.4% | 16.0% | 15.6% | 15.8% | 19.8% | 16.6% |
| — | +57.1% | +33.6% | +21.3% | -63.4% | -31.9% | -17.3% | -27.0% | -3.4% | -8.3% | -26.1% | -10.5% | -20.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.5% | 3.5% | 3.7% | 3.9% | 1.3% | 2.4% | 3.0% | 3.5% | 3.6% | 3.8% | 4.0% | 4.8% | 3.9% |
| — | +43.3% | +21.5% | +9.8% | -65.2% | -36.8% | -24.5% | -27.3% | -6.5% | -3.5% | -20.2% | +20.2% | +17.9% | |
| ROA | 0.9% | 0.3% | 0.3% | 0.3% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% |
| — | +62.5% | +35.7% | +22.6% | -62.2% | -25.5% | -7.8% | -18.0% | +5.9% | +5.7% | -18.8% | +12.6% | -3.1% | |
| ROIC | 9.7% | 3.0% | 2.9% | 3.0% | 0.9% | 1.8% | 2.2% | 2.5% | 2.5% | 2.0% | 2.7% | 3.3% | 2.6% |
| — | +66.5% | +33.1% | +22.4% | -64.4% | -12.2% | -19.7% | -24.3% | -1.6% | -20.3% | -18.5% | +18.3% | +11.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Bank of the James Financial Group, Inc.'s Debt/EBITDA ratio is 2.4x, down from 2.6x last quarter — at a moderate level that warrants monitoring. The current ratio has weakened 20.8% YoY to 0.04x, tightening the short-term liquidity position. Debt/Equity has declined for 5 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.11 | 0.11 | 0.11 | 0.13 | 0.28 | 0.30 | 0.28 | 0.32 | 0.33 | 0.33 | 0.40 | 0.38 | 0.39 |
| — | -63.2% | -59.5% | -60.6% | -14.2% | -10.2% | -29.3% | -17.0% | -16.3% | -18.6% | -6.2% | -1.5% | +13.5% | |
| Debt / EBITDA | 0.71 | 2.42 | 2.56 | 2.32 | 12.77 | 7.40 | 6.75 | 6.23 | 6.17 | 7.91 | 6.71 | 5.56 | 6.56 |
| — | -67.3% | -62.1% | -62.8% | +106.9% | -6.5% | +0.7% | +12.0% | -5.9% | +37.5% | +20.5% | -9.7% | -3.2% | |
| Current Ratio | 496.36 | 0.04 | 0.04 | 0.03 | 0.04 | 0.05 | 0.24 | 0.26 | 0.27 | 0.28 | 0.23 | 0.24 | 0.25 |
| — | -20.8% | -84.6% | -87.7% | -86.2% | -83.0% | +3.1% | +7.3% | +9.4% | +8.2% | -11.5% | -10.3% | -11.4% | |
| Quick Ratio | 496.36 | 0.04 | 0.04 | 0.03 | 0.04 | 0.05 | 0.24 | 0.26 | 0.27 | 0.28 | 0.23 | 0.24 | 0.25 |
| — | -20.8% | -84.6% | -87.7% | -86.2% | -83.0% | +3.1% | +7.3% | +9.4% | +8.2% | -11.5% | -10.3% | -11.4% | |
| Interest Coverage | 0.80 | 1.00 | 0.93 | 1.00 | 0.30 | 0.52 | 0.61 | 0.69 | 0.76 | 0.65 | 0.93 | 1.42 | 1.70 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Bank of the James Financial Group, Inc.'s current P/E is 12.4x. The average P/E over the last 4 quarters is 9.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Bank of the James Financial Group, Inc.'s current operating margin is 17.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Bank of the James Financial Group, Inc.'s business trajectory between earnings reports.