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.

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Profitability
Net margin	21.8%+3.2pp	18.5%+1.8pp	16.7%+1.2pp	15.5%+0.9pp	14.6%-3.3pp
Returns
Return on equity	14.6%+2.2pp	12.5%+1.6pp	10.9%+0.1pp	10.7%+0.5pp	10.2%-2.5pp
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+1.5%	$17.62+4.0%	$16.94+7.4%	$15.77+4.9%	$15.04+5.4%
Valuation
Market capitalization	$116.4M+84.6%	$84.42M+19.1%	$70.88M+9.5%	$64.74M-3.6%	$67.15M-6.9%
Price / earnings	10.6×+1.8×	9.4×+0.4×	9×-0.1×	9×-1.1×	10.2×+1.1×
Price / sales	2.3×+0.9×	1.7×+0.2×	1.5×+0.1×	1.4×-0.1×	1.5×-0.1×
Price / book	1.4×+0.6×	1.1×+0.1×	0.9×0.0×	0.9×-0.1×	1×-0.1×
Dividend yield	1.6%-1.3pp	2.2%-0.4pp	2.6%-0.2pp	2.8%+0.1pp	2.7%+0.2pp

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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.