Bank Of The James Financial Group annual return on equity
2011
2012
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2015
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2019
2020
2021
2022
2023
2024
2025
Bank Of The James Financial Group Return on Equity (ROE) Growth & History (BOTJ)
Bank Of The James Financial Group's return on equity was 12.45% for fiscal 2025.
View full Bank Of The James Financial Group company overviewBank Of The James Financial Group annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 12.45% | −0.27 pp |
| 2024 | 2024-12-31 | 12.72% | −3.07 pp |
| 2023 | 2023-12-31 | 15.79% | +0.81 pp |
| 2022 | 2022-12-31 | 14.97% | +3.83 pp |
| 2021 | 2021-12-31 | 11.15% | +3.38 pp |
| 2020 | 2020-12-31 | 7.77% | −1.84 pp |
| 2019 | 2019-12-31 | 9.62% | −0.31 pp |
| 2018 | 2018-12-31 | 9.93% | +4.15 pp |
| 2017 | 2017-12-31 | 5.78% | −0.95 pp |
| 2016 | 2016-12-31 | 6.73% | −2.17 pp |
| 2015 | 2015-12-31 | 8.90% | −1.68 pp |
| 2014 | 2014-12-31 | 10.58% | +0.27 pp |
| 2013 | 2013-12-31 | 10.31% | +2.75 pp |
| 2012 | 2012-12-31 | 7.56% | +5.26 pp |
| 2011 | 2011-12-31 | 2.29% | — |
Bank Of The James Financial Group quarterly return on equity
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Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 3.94% | +0.08 pp |
| Q1 2026 | 2026-03-31 | 3.44% | +2.17 pp |
| Q4 2025 | 2025-12-31 | 3.47% | +1.05 pp |
| Q3 2025 | 2025-09-30 | 3.70% | +0.65 pp |
| Q2 2025 | 2025-06-30 | 3.86% | +0.35 pp |
| Q1 2025 | 2025-03-31 | 1.26% | −2.37 pp |
| Q4 2024 | 2024-12-31 | 2.42% | −1.41 pp |
| Q3 2024 | 2024-09-30 | 3.05% | −0.99 pp |
| Q2 2024 | 2024-06-30 | 3.52% | −1.32 pp |
| Q1 2024 | 2024-03-31 | 3.63% | −0.25 pp |
| Q4 2023 | 2023-12-31 | 3.83% | −0.14 pp |
| Q3 2023 | 2023-09-30 | 4.04% | −1.02 pp |
| Q2 2023 | 2023-06-30 | 4.84% | +0.81 pp |
| Q1 2023 | 2023-03-31 | 3.88% | +0.59 pp |
| Q4 2022 | 2022-12-31 | 3.96% | +1.28 pp |
| Q3 2022 | 2022-09-30 | 5.06% | +2.32 pp |
| Q2 2022 | 2022-06-30 | 4.02% | +1.01 pp |
| Q1 2022 | 2022-03-31 | 3.29% | +0.51 pp |
| Q4 2021 | 2021-12-31 | 2.69% | +0.11 pp |
| Q3 2021 | 2021-09-30 | 2.75% | +0.51 pp |
| Q2 2021 | 2021-06-30 | 3.02% | +1.73 pp |
| Q1 2021 | 2021-03-31 | 2.78% | +1.18 pp |
| Q4 2020 | 2020-12-31 | 2.58% | +0.10 pp |
| Q3 2020 | 2020-09-30 | 2.23% | −0.22 pp |
| Q2 2020 | 2020-06-30 | 1.28% | −1.08 pp |
| Q1 2020 | 2020-03-31 | 1.59% | −0.60 pp |
| Q4 2019 | 2019-12-31 | 2.48% | −0.24 pp |
| Q3 2019 | 2019-09-30 | 2.45% | −0.20 pp |
| Q2 2019 | 2019-06-30 | 2.37% | −0.13 pp |
| Q1 2019 | 2019-03-31 | 2.20% | +0.02 pp |
| Q4 2018 | 2018-12-31 | 2.72% | +2.03 pp |
| Q3 2018 | 2018-09-30 | 2.66% | +0.68 pp |
| Q2 2018 | 2018-06-30 | 2.50% | +0.94 pp |
| Q1 2018 | 2018-03-31 | 2.17% | +0.65 pp |
| Q4 2017 | 2017-12-31 | 0.70% | +0.11 pp |
| Q3 2017 | 2017-09-30 | 1.97% | −0.10 pp |
| Q2 2017 | 2017-06-30 | 1.55% | −0.55 pp |
| Q1 2017 | 2017-03-31 | 1.53% | −0.29 pp |
| Q4 2016 | 2016-12-31 | 0.58% | −1.35 pp |
| Q3 2016 | 2016-09-30 | 2.08% | −0.62 pp |
| Q2 2016 | 2016-06-30 | 2.10% | −0.57 pp |
| Q1 2016 | 2016-03-31 | 1.82% | −0.81 pp |
| Q4 2015 | 2015-12-31 | 1.93% | −0.86 pp |
| Q3 2015 | 2015-09-30 | 2.69% | −0.07 pp |
| Q2 2015 | 2015-06-30 | 2.68% | +0.04 pp |
| Q1 2015 | 2015-03-31 | 2.63% | +0.32 pp |
| Q4 2014 | 2014-12-31 | 2.79% | +0.54 pp |
| Q3 2014 | 2014-09-30 | 2.77% | −0.02 pp |
| Q2 2014 | 2014-06-30 | 2.64% | −0.06 pp |
| Q1 2014 | 2014-03-31 | 2.31% | −0.34 pp |
| Q4 2013 | 2013-12-31 | 2.24% | −0.30 pp |
| Q3 2013 | 2013-09-30 | 2.79% | +0.91 pp |
| Q2 2013 | 2013-06-30 | 2.70% | +0.94 pp |
| Q1 2013 | 2013-03-31 | 2.64% | +1.31 pp |
| Q4 2012 | 2012-12-31 | 2.55% | +3.35 pp |
| Q3 2012 | 2012-09-30 | 1.88% | +1.65 pp |
| Q2 2012 | 2012-06-30 | 1.76% | +0.54 pp |
| Q1 2012 | 2012-03-31 | 1.34% | — |
| Q4 2011 | 2011-12-31 | −0.80% | — |
| Q3 2011 | 2011-09-30 | 0.24% | — |
| Q2 2011 | 2011-06-30 | 1.22% | — |
Bank Of The James Financial Group return on equity trends
Over the last five fiscal years, Bank Of The James Financial Group's return on equity increased from 7.77% to 12.45%, a change of +4.68 percentage points. The latest reported quarter, Q2 2026, shows 3.94%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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