Bank of the James Financial Group is a bank holding company. Through its wholly-owned subsidiary bank, Bank of the James (the Bank), Co. is engaged in lending and deposit gathering activities in Region 2000 and other markets in Central Virginia and the Shenandoah Valley. Co. conducts two principal activities: general retail and commercial banking through the Bank; and mortgage brokerage services through Bank of the James Mortgage, a division of the Bank. Co. provides securities brokerage and other investment services through BOTJ Investment, a division of the Bank, and acts as an agent for insurance and annuity products through BOTJ Insurance, Inc., a wholly-owned subsidiary of the Bank. The BOTJ stock yearly return is shown above.
The yearly return on the BOTJ stock yearly return page and across the coverage universe of our site,
is a measure of the annual return over the calendar year 2015 for the given stock.
When performing this calculation it is important to factor in dividends, because a financial instrument's annual return is
more than just the change in price if that instrument pays a dividend or coupon.
One way to factor dividends into the return is simply to count them as cash — we don't do
that here. Instead, our website aims to empower investors
by performing the BOTJ annual return calculation with any dividends reinvested as applicable (on ex-dates).
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