Basis: Trailing twelve months (TTM), to the latest fiscal quarter end. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 13.82% is in line with its 5-year average of 13.51%, around the middle of its 5-year range (9.65%–18.34%).
As of the fiscal period ended Tuesday, June 30, 2026. 17.43% above its 12-month average of 11.77%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 13.82%.
RETURN ON EQUITY (ROE)
13.82%
RETURN ON EQUITY (ROE) AVG TTM
11.77%
RETURN ON EQUITY (ROE) AVG 3Y
13.09%
RETURN ON EQUITY (ROE) AVG 5Y
13.51%
RETURN ON EQUITY (ROE) AVG 10Y
10.63%
RETURN ON EQUITY (ROE) AVG 15Y
9.03%
RETURN ON EQUITY (ROE) AVG 20Y
8.85%
CURRENT VS TTM AVG
+17.43%
CURRENT VS 3Y AVG
+5.51%
CURRENT VS 5Y AVG
+2.27%
CURRENT VS 10Y AVG
+29.92%
CURRENT VS 15Y AVG
+52.94%
CURRENT VS 20Y AVG
+56.19%
SECTOR MEDIAN · FINANCIAL SERVICES
8.76%
median of 677 covered companies
CURRENT VS SECTOR MEDIAN
+57.72%
vs the sector median at left
Bank of the James Financial Group, Inc.
Market Cap
$123.37M
Return on Equity (ROE)
13.82%
TTM Avg
11.77%
3Y Avg
13.09%
5Y Avg
13.51%
Market Cap
$123.54M
Return on Equity (ROE)
0.15%
TTM Avg
-0.82%
3Y Avg
0.02%
5Y Avg
0.02%
Market Cap
$123.18M
Return on Equity (ROE)
9.31%
TTM Avg
7.63%
3Y Avg
7.66%
5Y Avg
6.79%
Market Cap
$122.56M
Return on Equity (ROE)
-424.60%
TTM Avg
-75.09%
3Y Avg
-38.96%
5Y Avg
-19.29%
Market Cap
$125.87M
Return on Equity (ROE)
2.75%
TTM Avg
113.11%
3Y Avg
113.11%
5Y Avg
113.11%
Market Cap
$120.48M
Return on Equity (ROE)
1.07%
TTM Avg
50.80%
3Y Avg
33.87%
5Y Avg
33.87%
Market Cap
$126.44M
Return on Equity (ROE)
-386.22%
TTM Avg
-364.46%
3Y Avg
-199.02%
5Y Avg
-161.15%
Market Cap
$120.28M
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$119.96M
Return on Equity (ROE)
N/A
TTM Avg
1.39%
3Y Avg
1.39%
5Y Avg
1.39%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Bank of the James Financial Group, Inc. (BOTJ) | $123.37M | 13.82% | 11.77% | 13.09% | 13.51% |
| Hoyne Bancorp, Inc. Common Stock (HYNE)vs › | $123.54M | 0.15% | -0.82% | 0.02% | 0.02% |
| Magyar Bancorp, Inc. (MGYR)vs › | $123.18M | 9.31% | 7.63% | 7.66% | 6.79% |
| SUI Group Holdings Limited (SUIG)vs › | $122.56M | -424.60% | -75.09% | -38.96% | -19.29% |
| NMP Acquisition Corp. (NMP)vs › | $125.87M | 2.75% | 113.11% | 113.11% | 113.11% |
| Cantor Equity Partners VI, Inc. Class A Ordinary Shares (CEPS)vs › | $120.48M | 1.07% | 50.80% | 33.87% | 33.87% |
| MMTec, Inc. (MTC)vs › | $126.44M | -386.22% | -364.46% | -199.02% | -161.15% |
| FG Communities Holdings Inc. (FGCPP)vs › | $120.28M | N/A | N/A | N/A | N/A |
| Pantages Capital Acquisition Corp (PGAC)vs › | $119.96M | N/A | 1.39% | 1.39% | 1.39% |
| Riverview Bancorp, Inc. (RVSB)vs › | $119.75M | -2.67% | 0.04% | 3.54% | 5.83% |
ROE
13.8%
ROA
1.1%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2026-06-30 | 13.82% |
| 2026-03-31 | 13.47% |
| 2025-12-31 | 11.27% |
| 2025-09-30 | 10.28% |
| 2025-06-30 | 9.98% |
| 2025-03-31 | 9.65% |
| 2024-12-31 | 12.25% |
| 2024-09-30 | 12.25% |
| 2024-06-30 | 13.81% |
| 2024-03-31 | 14.74% |
| 2023-12-31 | 14.50% |
| 2023-09-30 | 17.06% |
| 2023-06-30 | 17.15% |
| 2023-03-31 | 16.93% |
| 2022-12-31 | 17.84% |
| 2022-09-30 | 18.34% |
| 2022-06-30 | 15.33% |
| 2022-03-31 | 13.03% |
| 2021-12-31 | 10.93% |
| 2021-09-30 | 10.80% |
| 2021-06-30 | 10.30% |
| 2021-03-31 | 8.91% |
| 2020-12-31 | 7.46% |
| 2020-09-30 | 7.28% |
| 2020-06-30 | 7.46% |
| 2020-03-31 | 8.47% |
| 2019-12-31 | 9.12% |
| 2019-09-30 | 9.11% |
| 2019-06-30 | 9.27% |
| 2019-03-31 | 9.47% |
| 2018-12-31 | 9.62% |
| 2018-09-30 | 7.88% |
| 2018-06-30 | 7.23% |
| 2018-03-31 | 6.36% |
| 2017-12-31 | 5.66% |
| 2017-09-30 | 5.51% |
| 2017-06-30 | 5.67% |
| 2017-03-31 | 6.29% |
| 2016-12-31 | 6.65% |
| 2016-09-30 | 7.48% |
| 2016-06-30 | 7.41% |
| 2016-03-31 | 7.38% |
| 2015-12-31 | 7.66% |
| 2015-09-30 | 10.28% |
| 2015-06-30 | 10.41% |
| 2015-03-31 | 10.17% |
| 2014-12-31 | 9.81% |
| 2014-09-30 | 9.34% |
| 2014-06-30 | 9.26% |
| 2014-03-31 | 9.50% |
| 2013-12-31 | 10.28% |
| 2013-09-30 | 10.76% |
| 2013-06-30 | 9.88% |
| 2013-03-31 | 8.54% |
| 2012-12-31 | 7.20% |
| 2012-09-30 | 4.02% |
| 2012-06-30 | 2.45% |
| 2012-03-31 | 1.94% |
| 2011-12-31 | 2.24% |
| 2011-09-30 | 3.64% |
| 2011-06-30 | 5.33% |
| 2011-03-31 | 7.19% |
| 2010-12-31 | 7.14% |
| 2010-09-30 | 6.93% |
| 2010-06-30 | 0.45% |
| 2010-03-31 | -1.92% |
| 2009-12-31 | -2.71% |
| 2009-09-30 | -1.37% |
| 2009-06-30 | -1.77% |
| 2009-03-31 | -0.36% |
| 2008-12-31 | 0.91% |
| 2008-09-30 | 1.41% |
| 2008-06-30 | 8.93% |
| 2008-03-31 | 8.79% |
| 2007-12-31 | 8.50% |
| 2007-09-30 | 8.57% |
| 2007-06-30 | 8.16% |
| 2007-03-31 | 7.99% |
| 2006-12-31 | 8.05% |
| 2006-09-30 | 10.74% |
| 2006-06-30 | 11.74% |
| 2006-03-31 | 12.05% |
| 2005-12-31 | 12.20% |
| 2005-09-30 | 12.30% |
| 2005-06-30 | 10.52% |
| 2005-03-31 | 11.06% |
| 2004-12-31 | 11.51% |
| 2004-09-30 | 10.51% |
| 2004-06-30 | 12.25% |
| 2004-03-31 | 12.40% |
| 2003-12-31 | 12.52% |
| 2003-09-30 | 12.65% |
| 2003-06-30 | 11.74% |
