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Side-by-side financial comparison of BayFirst Financial Corp. (BAFN) and BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ). Click either name above to swap in a different company.
BANK OF THE JAMES FINANCIAL GROUP INC is the larger business by last-quarter revenue ($12.9M vs $11.2M, roughly 1.2× BayFirst Financial Corp.). On growth, BANK OF THE JAMES FINANCIAL GROUP INC posted the faster year-over-year revenue change (11.8% vs 4.7%). BayFirst Financial Corp. produced more free cash flow last quarter ($285.0M vs $10.5M). Over the past eight quarters, BANK OF THE JAMES FINANCIAL GROUP INC's revenue compounded faster (12.0% CAGR vs -30.4%).
The PNC Financial Services Group, Inc. is an American bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 27 states and the District of Columbia, with 2,629 branches and 9,523 ATMs. PNC Bank is one of the largest banks in the US by assets and by number of branches, deposits, and ATMs.
Raymond James Financial, Inc. is an American multinational independent investment bank and financial services company providing financial services to individuals, corporations, and municipalities through its subsidiary companies that engage primarily in investment and financial planning, in addition to investment banking and asset management. The company is headquartered in St. Petersburg, Florida.
BAFN vs BOTJ — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $11.2M | $12.9M |
| Net Profit | $-2.5M | — |
| Gross Margin | — | — |
| Operating Margin | -25.3% | 27.1% |
| Net Margin | -22.1% | — |
| Revenue YoY | 4.7% | 11.8% |
| Net Profit YoY | -125.2% | — |
| EPS (diluted) | $-0.71 | $0.59 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $11.2M | $12.9M | ||
| Q3 25 | $10.2M | $12.5M | ||
| Q2 25 | $23.1M | $12.3M | ||
| Q1 25 | $19.8M | $11.0M | ||
| Q4 24 | $32.9M | $11.5M | ||
| Q3 24 | $21.7M | $11.3M | ||
| Q2 24 | $20.8M | $11.3M | ||
| Q1 24 | $23.0M | $10.3M |
| Q4 25 | $-2.5M | — | ||
| Q3 25 | $-18.9M | $2.8M | ||
| Q2 25 | $-1.2M | $2.7M | ||
| Q1 25 | $-335.0K | $842.0K | ||
| Q4 24 | $9.8M | — | ||
| Q3 24 | $1.1M | $2.0M | ||
| Q2 24 | $866.0K | $2.1M | ||
| Q1 24 | $824.0K | $2.2M |
| Q4 25 | -25.3% | 27.1% | ||
| Q3 25 | -253.0% | 25.8% | ||
| Q2 25 | -7.1% | 27.6% | ||
| Q1 25 | -2.3% | 9.4% | ||
| Q4 24 | — | 18.0% | ||
| Q3 24 | 7.1% | 21.7% | ||
| Q2 24 | 5.9% | 23.6% | ||
| Q1 24 | 5.1% | 26.5% |
| Q4 25 | -22.1% | — | ||
| Q3 25 | -184.7% | 22.1% | ||
| Q2 25 | -5.3% | 21.9% | ||
| Q1 25 | -1.7% | 7.7% | ||
| Q4 24 | 91.8% | — | ||
| Q3 24 | 5.2% | 17.6% | ||
| Q2 24 | 4.2% | 19.0% | ||
| Q1 24 | 3.6% | 21.3% |
| Q4 25 | $-0.71 | $0.59 | ||
| Q3 25 | $-4.66 | $0.61 | ||
| Q2 25 | $-0.39 | $0.60 | ||
| Q1 25 | $-0.17 | $0.19 | ||
| Q4 24 | $2.21 | $0.36 | ||
| Q3 24 | $0.18 | $0.44 | ||
| Q2 24 | $0.12 | $0.47 | ||
| Q1 24 | $0.11 | $0.48 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $207.0M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $87.6M | $80.0M |
| Total Assets | $1.3B | $1.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $207.0M | — | ||
| Q3 25 | $118.5M | — | ||
| Q2 25 | $77.3M | — | ||
| Q1 25 | $63.2M | — | ||
| Q4 24 | $77.8M | — | ||
| Q3 24 | $64.4M | — | ||
| Q2 24 | $60.8M | — | ||
| Q1 24 | $57.5M | — |
| Q4 25 | $87.6M | $80.0M | ||
| Q3 25 | $89.7M | $77.0M | ||
| Q2 25 | $108.2M | $71.7M | ||
| Q1 25 | $110.1M | $68.3M | ||
| Q4 24 | $110.9M | $64.9M | ||
| Q3 24 | $102.3M | $68.8M | ||
| Q2 24 | $101.0M | $61.7M | ||
| Q1 24 | $100.6M | $60.4M |
| Q4 25 | $1.3B | $1.0B | ||
| Q3 25 | $1.3B | $1.0B | ||
| Q2 25 | $1.3B | $1.0B | ||
| Q1 25 | $1.3B | $1.0B | ||
| Q4 24 | $1.3B | $979.2M | ||
| Q3 24 | $1.2B | $1.0B | ||
| Q2 24 | $1.2B | $978.0M | ||
| Q1 24 | $1.1B | $984.9M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $285.3M | $11.7M |
| Free Cash FlowOCF − Capex | $285.0M | $10.5M |
| FCF MarginFCF / Revenue | 2554.2% | 81.6% |
| Capex IntensityCapex / Revenue | 2.7% | 9.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $469.5M | $19.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $285.3M | $11.7M | ||
| Q3 25 | $47.3M | $5.3M | ||
| Q2 25 | $63.3M | $3.7M | ||
| Q1 25 | $74.2M | $763.0K | ||
| Q4 24 | $390.5M | $8.5M | ||
| Q3 24 | $90.8M | $5.0M | ||
| Q2 24 | $78.8M | $2.9M | ||
| Q1 24 | $123.5M | $-1.2M |
| Q4 25 | $285.0M | $10.5M | ||
| Q3 25 | $47.3M | $5.1M | ||
| Q2 25 | $63.1M | $3.5M | ||
| Q1 25 | $74.1M | $141.0K | ||
| Q4 24 | $388.8M | $6.0M | ||
| Q3 24 | $90.5M | $3.4M | ||
| Q2 24 | $78.4M | $2.8M | ||
| Q1 24 | $122.5M | $-1.7M |
| Q4 25 | 2554.2% | 81.6% | ||
| Q3 25 | 462.2% | 40.5% | ||
| Q2 25 | 272.7% | 28.6% | ||
| Q1 25 | 375.1% | 1.3% | ||
| Q4 24 | 1180.9% | 51.8% | ||
| Q3 24 | 416.5% | 29.6% | ||
| Q2 24 | 376.1% | 24.6% | ||
| Q1 24 | 532.5% | -16.7% |
| Q4 25 | 2.7% | 9.1% | ||
| Q3 25 | 0.1% | 1.7% | ||
| Q2 25 | 0.8% | 1.0% | ||
| Q1 25 | 0.4% | 5.7% | ||
| Q4 24 | 5.1% | 22.2% | ||
| Q3 24 | 1.5% | 14.3% | ||
| Q2 24 | 1.9% | 1.0% | ||
| Q1 24 | 4.4% | 4.7% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.91× | ||
| Q2 25 | — | 1.35× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | 39.95× | — | ||
| Q3 24 | 79.85× | 2.50× | ||
| Q2 24 | 90.94× | 1.34× | ||
| Q1 24 | 149.92× | -0.56× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
