Basis: Trailing twelve months (TTM net income over the latest quarterly balance sheet). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on assets (ROA) high or low?
The return on assets (ROA) of 1.10% is 35% above its 5-year average of 0.81%, near the high end of its 5-year range (0.58%–1.10%).
30.95% above its 12-month average of 0.84%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.31%.
RETURN ON ASSETS (ROA)
1.10%
RETURN ON ASSETS (ROA) AVG TTM
0.84%
RETURN ON ASSETS (ROA) AVG 3Y
0.89%
RETURN ON ASSETS (ROA) AVG 5Y
0.81%
RETURN ON ASSETS (ROA) AVG 10Y
0.74%
RETURN ON ASSETS (ROA) AVG 15Y
0.70%
RETURN ON ASSETS (ROA) AVG 20Y
0.66%
CURRENT VS TTM AVG
+30.95%
CURRENT VS 3Y AVG
+24.29%
CURRENT VS 5Y AVG
+34.97%
CURRENT VS 10Y AVG
+47.74%
CURRENT VS 15Y AVG
+56.55%
CURRENT VS 20Y AVG
+66.79%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-10.93%
vs the sector median at left
Bank of the James Financial Group, Inc.
Market Cap
$123.35M
Return on Assets (ROA)
1.10%
TTM Avg
0.84%
3Y Avg
0.89%
5Y Avg
0.81%
Market Cap
$123.39M
Return on Assets (ROA)
0.05%
TTM Avg
-0.15%
3Y Avg
0.01%
5Y Avg
0.01%
Market Cap
$125.43M
Return on Assets (ROA)
-304.45%
TTM Avg
-221.39%
3Y Avg
-124.38%
5Y Avg
-105.27%
Market Cap
$121.06M
Return on Assets (ROA)
-363.42%
TTM Avg
-66.73%
3Y Avg
-34.75%
5Y Avg
-17.39%
Market Cap
$125.56M
Return on Assets (ROA)
10.31%
TTM Avg
9.33%
3Y Avg
5.09%
5Y Avg
5.09%
Market Cap
$121.31M
Return on Assets (ROA)
1.12%
TTM Avg
0.90%
3Y Avg
0.91%
5Y Avg
0.79%
Market Cap
$126.47M
Return on Assets (ROA)
2.74%
TTM Avg
0.76%
3Y Avg
0.76%
5Y Avg
0.76%
Market Cap
$120.48M
Return on Assets (ROA)
1.07%
TTM Avg
-22.89%
3Y Avg
-15.26%
5Y Avg
-15.26%
Market Cap
$120.28M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Bank of the James Financial Group, Inc. (BOTJ) | $123.35M | 1.10% | 0.84% | 0.89% | 0.81% |
| Hoyne Bancorp, Inc. Common Stock (HYNE)vs › | $123.39M | 0.05% | -0.15% | 0.01% | 0.01% |
| MMTec, Inc. (MTC)vs › | $125.43M | -304.45% | -221.39% | -124.38% | -105.27% |
| SUI Group Holdings Limited (SUIG)vs › | $121.06M | -363.42% | -66.73% | -34.75% | -17.39% |
| Bluemount Holdings Limited (BMHL)vs › | $125.56M | 10.31% | 9.33% | 5.09% | 5.09% |
| Magyar Bancorp, Inc. (MGYR)vs › | $121.31M | 1.12% | 0.90% | 0.91% | 0.79% |
| NMP Acquisition Corp. (NMP)vs › | $126.47M | 2.74% | 0.76% | 0.76% | 0.76% |
| Cantor Equity Partners VI, Inc. Class A Ordinary Shares (CEPS)vs › | $120.48M | 1.07% | -22.89% | -15.26% | -15.26% |
| FG Communities Holdings Inc. (FGCPP)vs › | $120.28M | N/A | N/A | N/A | N/A |
| Pantages Capital Acquisition Corp (PGAC)vs › | $119.96M | 6.93% | 1.36% | 1.36% | 1.36% |
ROA
1.1%
ROE
13.8%
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | 0.87% |
| 2024-12-31 | 0.81% |
| 2023-12-31 | 0.90% |
| 2022-12-31 | 0.96% |
| 2021-12-31 | 0.77% |
| 2020-12-31 | 0.58% |
| 2019-12-31 | 0.77% |
| 2018-12-31 | 0.79% |
| 2017-12-31 | 0.47% |
| 2016-12-31 | 0.57% |
| 2015-12-31 | 0.70% |
| 2014-12-31 | 0.74% |
| 2013-12-31 | 0.70% |
| 2012-12-31 | 0.48% |
| 2011-12-31 | 0.14% |
| 2010-12-31 | 0.43% |
| 2009-12-31 | -0.15% |
| 2008-12-31 | 0.07% |
| 2007-12-31 | 0.77% |
| 2006-12-31 | 0.76% |
| 2005-12-31 | 0.91% |
| 2004-12-31 | 0.86% |
| 2003-12-31 | 0.98% |
| 2002-12-31 | 0.71% |
| 2001-12-31 | 0.83% |
