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.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	18.5%+0.6pp	17.9%-2.5pp	20.4%-0.4pp	20.9%+1.0pp
Returns
Return on equity	12.5%-0.3pp	12.7%-3.1pp	15.8%+0.8pp	15%+3.8pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0×0.0×	0.1×0.0×	0.1×0.0×	0.1×-0.1×
Per Share
Book value per share	$17.62+23.4%	$14.28+8.5%	$13.16+23.1%	$10.69-26.9%
Valuation
Market capitalization	$116.4M+84.6%	$72.1M+29.9%	$55.52M+0.7%	$55.13M-24.8%
Price / earnings	10.6×+1.8×	9.1×+2.7×	6.4×+0.2×	6.2×-3.5×
Price / sales	2.3×+0.9×	1.6×+0.3×	1.3×0.0×	1.3×-0.6×
Price / book	1.4×+0.6×	1.1×+0.2×	0.9×-0.2×	1.1×0.0×
Dividend yield	1.6%-1.3pp	2.5%-0.1pp	2.6%+0.2pp	2.5%+0.7pp

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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.