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Side-by-side financial comparison of BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) and STIFEL FINANCIAL CORP (SF), based on the latest 10-Q / 10-K filings. Click either name above to swap in a different company.
STIFEL FINANCIAL CORP is the larger business by last-quarter revenue ($1.1B vs $1.3M, roughly 886.7× BANK OF THE JAMES FINANCIAL GROUP INC). On growth, STIFEL FINANCIAL CORP posted the faster year-over-year revenue change (23.0% vs 18.5%). STIFEL FINANCIAL CORP produced more free cash flow last quarter ($369.0M vs $1.3M). Over the past eight quarters, STIFEL FINANCIAL CORP's revenue compounded faster (21.1% CAGR vs 15.5%).
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.
Stifel Financial Corp. is an American multinational independent investment bank and financial services company created under the Stifel name in July 1983 and listed on the New York Stock Exchange on November 24, 1986. Its predecessor company was founded in 1890 as the Altheimer and Rawlings Investment Company and is headquartered in downtown St. Louis, Missouri.
BOTJ vs SF — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $1.3M | $1.1B |
| Net Profit | — | $264.4M |
| Gross Margin | — | — |
| Operating Margin | — | 27.3% |
| Net Margin | — | 23.5% |
| Revenue YoY | 18.5% | 23.0% |
| Net Profit YoY | — | 8.3% |
| EPS (diluted) | $0.59 | $2.30 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align — see 8-quarter trend below.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history — bar widths are scaled to the larger of the two companies so you can eyeball the size gap and growth trajectory without doing math. Quarters aligned by calendar period (report date) so offset fiscal years line up.
| Q4 25 | $1.3M | $1.1B | ||
| Q3 25 | $1.0M | $962.6M | ||
| Q2 25 | $975.0K | $838.9M | ||
| Q1 25 | $981.0K | $842.5M | ||
| Q4 24 | $1.1M | $916.0M | ||
| Q3 24 | $991.0K | $810.9M | ||
| Q2 24 | $986.0K | $798.9M | ||
| Q1 24 | $953.0K | $768.1M |
| Q4 25 | — | $264.4M | ||
| Q3 25 | $2.8M | $211.4M | ||
| Q2 25 | $2.7M | $155.1M | ||
| Q1 25 | $842.0K | $53.0M | ||
| Q4 24 | — | $244.0M | ||
| Q3 24 | $2.0M | $158.5M | ||
| Q2 24 | $2.1M | $165.3M | ||
| Q1 24 | $2.2M | $163.6M |
| Q4 25 | — | 27.3% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 25.5% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | 29.1% | ||
| Q3 24 | — | 26.7% | ||
| Q2 24 | — | 28.4% | ||
| Q1 24 | — | 28.5% |
| Q4 25 | — | 23.5% | ||
| Q3 25 | 263.1% | 22.0% | ||
| Q2 25 | 277.4% | 18.5% | ||
| Q1 25 | 85.8% | 6.3% | ||
| Q4 24 | — | 26.6% | ||
| Q3 24 | 200.8% | 19.5% | ||
| Q2 24 | 217.8% | 20.7% | ||
| Q1 24 | 229.6% | 21.3% |
| Q4 25 | $0.59 | $2.30 | ||
| Q3 25 | $0.61 | $1.84 | ||
| Q2 25 | $0.60 | $1.34 | ||
| Q1 25 | $0.19 | $0.39 | ||
| Q4 24 | $0.36 | $2.10 | ||
| Q3 24 | $0.44 | $1.34 | ||
| Q2 24 | $0.47 | $1.41 | ||
| Q1 24 | $0.48 | $1.40 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest filing — the kind of financial-strength check premium terminals charge for.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $2.3B |
| Total DebtLower is stronger | — | $617.4M |
| Stockholders' EquityBook value | $80.0M | $6.0B |
| Total Assets | $1.0B | $41.3B |
| Debt / EquityLower = less leverage | — | 0.10× |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $3.2B | ||
| Q2 25 | — | $1.9B | ||
| Q1 25 | — | $2.7B | ||
| Q4 24 | — | $2.6B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.6B | ||
| Q1 24 | — | $3.4B |
| Q4 25 | — | $617.4M | ||
| Q3 25 | — | $617.2M | ||
| Q2 25 | — | $617.0M | ||
| Q1 25 | — | $616.8M | ||
| Q4 24 | — | $616.6M | ||
| Q3 24 | — | $616.4M | ||
| Q2 24 | — | $1.1B | ||
| Q1 24 | — | $1.1B |
| Q4 25 | $80.0M | $6.0B | ||
| Q3 25 | $77.0M | $5.8B | ||
| Q2 25 | $71.7M | $5.6B | ||
| Q1 25 | $68.3M | $5.5B | ||
| Q4 24 | $64.9M | $5.7B | ||
| Q3 24 | $68.8M | $5.6B | ||
| Q2 24 | $61.7M | $5.4B | ||
| Q1 24 | $60.4M | $5.3B |
| Q4 25 | $1.0B | $41.3B | ||
| Q3 25 | $1.0B | $41.7B | ||
| Q2 25 | $1.0B | $39.9B | ||
| Q1 25 | $1.0B | $40.4B | ||
| Q4 24 | $979.2M | $39.9B | ||
| Q3 24 | $1.0B | $38.9B | ||
| Q2 24 | $978.0M | $37.8B | ||
| Q1 24 | $984.9M | $38.3B |
| Q4 25 | — | 0.10× | ||
| Q3 25 | — | 0.11× | ||
| Q2 25 | — | 0.11× | ||
| Q1 25 | — | 0.11× | ||
| Q4 24 | — | 0.11× | ||
| Q3 24 | — | 0.11× | ||
| Q2 24 | — | 0.21× | ||
| Q1 24 | — | 0.21× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Net income can be massaged; cash flow is harder to fake.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.0M | $382.4M |
| Free Cash FlowOCF − Capex | $1.3M | $369.0M |
| FCF MarginFCF / Revenue | 105.5% | 32.7% |
| Capex IntensityCapex / Revenue; lower = less reinvestment burden | 49.8% | 1.2% |
| Cash ConversionOCF / Net Profit; >1× = earnings back up with cash | — | 1.45× |
| TTM Free Cash FlowTrailing 4 quarters | $10.1M | $1.1B |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | $2.0M | $382.4M | ||
| Q3 25 | $5.3M | $338.3M | ||
| Q2 25 | $3.7M | $607.5M | ||
| Q1 25 | $763.0K | $-211.2M | ||
| Q4 24 | $1.9M | $694.6M | ||
| Q3 24 | $5.0M | $198.3M | ||
| Q2 24 | $2.9M | $207.2M | ||
| Q1 24 | $-1.2M | $-609.7M |
| Q4 25 | $1.3M | $369.0M | ||
| Q3 25 | $5.1M | $321.1M | ||
| Q2 25 | $3.5M | $592.7M | ||
| Q1 25 | $141.0K | $-227.8M | ||
| Q4 24 | $1.5M | $677.2M | ||
| Q3 24 | $3.4M | $185.6M | ||
| Q2 24 | $2.8M | $173.3M | ||
| Q1 24 | $-1.7M | $-619.4M |
| Q4 25 | 105.5% | 32.7% | ||
| Q3 25 | 483.3% | 33.4% | ||
| Q2 25 | 361.8% | 70.6% | ||
| Q1 25 | 14.4% | -27.0% | ||
| Q4 24 | 144.0% | 73.9% | ||
| Q3 24 | 338.3% | 22.9% | ||
| Q2 24 | 280.9% | 21.7% | ||
| Q1 24 | -179.3% | -80.6% |
| Q4 25 | 49.8% | 1.2% | ||
| Q3 25 | 20.6% | 1.8% | ||
| Q2 25 | 12.8% | 1.8% | ||
| Q1 25 | 63.4% | 2.0% | ||
| Q4 24 | 31.8% | 1.9% | ||
| Q3 24 | 163.2% | 1.6% | ||
| Q2 24 | 11.5% | 4.2% | ||
| Q1 24 | 50.3% | 1.3% |
| Q4 25 | — | 1.45× | ||
| Q3 25 | 1.91× | 1.60× | ||
| Q2 25 | 1.35× | 3.92× | ||
| Q1 25 | 0.91× | -3.99× | ||
| Q4 24 | — | 2.85× | ||
| Q3 24 | 2.50× | 1.25× | ||
| Q2 24 | 1.34× | 1.25× | ||
| Q1 24 | -0.56× | -3.73× |
Financial Flow Comparison
Sankey diagram of revenue → gross profit → operating profit → net profit for each company. Charts shown full-width and stacked so both segment hierarchies are readable side-by-side on desktop and mobile.
