Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 1.46%.
YIELD ON COST (YOC)
1.46%
BOTJ now pays $0.40 per share a year. Measured against the price it actually traded at back then, a long-term holder is earning:
| If you bought | Price then | Yield on cost today |
|---|---|---|
| 10 years ago(2016-09-30) | $11.05 | 3.62% |
| 5 years ago(2021-10-04) | $14.40 | 2.78% |
| 3 years ago(2023-10-05) | $10.16 | 3.94% |
| 1 year ago(2025-10-09) | $15.82 | 2.53% |
| Buying today(at $27.30) | $27.30 | 1.46% |
Projection: starting from today's 1.46% yield, assuming the dividend keeps compounding at 10.7% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
1.46%
In 3 years
1.98%
In 5 years
2.42%
In 10 years
4.01%
Try your own purchase price, dividend and growth rate for Bank of the James Financial Group, Inc. (BOTJ).
Starting Yield
1.47%
Ending YOC
5.68%
Year 15 Dividend
$1.55
Cum. Dividends Recd.
$13.33
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.40 | N/A | 1.47% | $0.00 |
| Year 1 | $0.44 | +9.46% | 1.60% | $0.44 |
| Year 2 | $0.48 | +9.46% | 1.76% | $0.92 |
| Year 3 | $0.52 | +9.46% | 1.92% | $1.44 |
| Year 4 | $0.57 | +9.46% | 2.10% | $2.02 |
| Year 5 | $0.63 | +9.46% | 2.30% | $2.64 |
| Year 6 | $0.69 | +9.46% | 2.52% | $3.33 |
| Year 7 | $0.75 | +9.46% | 2.76% | $4.09 |
| Year 8 | $0.82 | +9.46% | 3.02% | $4.91 |
| Year 9 | $0.90 | +9.46% | 3.31% | $5.81 |
| Year 10 | $0.99 | +9.46% | 3.62% | $6.80 |
| Year 11 | $1.08 | +9.46% | 3.96% | $7.88 |
| Year 12 | $1.18 | +9.46% | 4.33% | $9.06 |
| Year 13 | $1.30 | +9.46% | 4.74% | $10.36 |
| Year 14 | $1.42 | +9.46% | 5.19% | $11.78 |
| Year 15 | $1.55 | +9.46% | 5.68% | $13.33 |
Yield on cost is the dividend yield measured against your original purchase price, not today's price. As a company raises its dividend, the yield on what you actually paid keeps rising even when the market yield holds steady.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
