Bank of the James Financial Group is a bank holding company. Through its wholly-owned subsidiary bank, Bank of the James (the Bank), Co. provides a range of deposit services that are typically available in most banks and other financial institutions including checking accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. In addition, the Bank provides its customers Individual Retirement Accounts and Health Care Savings Accounts. The Bank provides a range of short- to medium-term commercial and consumer loans. Other services provided by the Bank include safe deposit boxes and traveler's checks. The BOTJ YTD return is shown above.
The YTD Return on the BOTJ YTD return page and across the coverage universe of our site,
is a measure of the total return for a given investment year-to-date for the current calendar year
(up to the end of prior trading session). Arguably, choosing the current calendar year for a measurement
period is on the one hand completely arbitrary, but on the other hand a year-to-date look can be extremely
useful in the context of our country's tax system which taxes gains and income on a calendar year basis.
Thus, researching Year-To-Date Returns is good practice for investors — whether BOTJ YTD return or other benchmarks/peers
— and when doing so it is also important to factor in dividends, because a financial instrument's YTD return is
more than just the change in price if that instrument pays a dividend or coupon. Our website aims to empower investors
by performing the BOTJ YTD return calculation (with any dividends reinvested as applicable), and to provide a
coverage universe of many stocks and ETFs to be able to compare YTD returns.
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