Where do Bank of the James Financial Group's ratios come from?

Every ratio is computed from Bank of the James Financial Group's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	21.8%+7.1pp	18.5%+0.6pp	16.7%-2.7pp	15.5%-4.5pp	14.6%-6.5pp
Returns
Return on equity	14.6%+4.4pp	12.5%-0.3pp	10.9%-3.3pp	10.7%-4.2pp	10.2%-5.6pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Per Share
Book value per share	$17.89+18.9%	$17.62+23.4%	$16.94+11.8%	$15.77+16.1%	$15.04+13.1%
Valuation
Market capitalization	$116.4M+84.6%	$84.42M+17.1%	$70.88M+13.5%	$64.74M+26.6%	$67.15M+42.7%
Price / earnings	10.6×+1.8×	9.4×+0.3×	9×+1.6×	9×+3.0×	10.2×+4.9×
Price / sales	2.3×+0.9×	1.7×+0.1×	1.5×+0.1×	1.4×+0.2×	1.5×+0.4×
Price / book	1.4×+0.6×	1.1×-0.1×	0.9×0.0×	0.9×+0.1×	1×+0.2×
Dividend yield	1.6%-1.3pp	2.2%-0.4pp	2.6%-0.2pp	2.8%-0.4pp	2.7%-0.6pp

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Where do Bank of the James Financial Group's ratios come from?: Every ratio is computed from Bank of the James Financial Group's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.