Bank of the James Financial Group Retained Earnings 2011-2025 | BOTJ

Retained earnings — this is the portion of a company’s net profit that has not been distributed to shareholders as dividends but remains at the company’s disposal for future use. It is also referred to as retained income or accumulated earnings.

Possible uses include

reinvestment in development (R&D, equipment, marketing)
debt repayment
acquisition of other companies
creation of reserves for the future

A high level of retained earnings indicates that the company is in a growth phase, accumulating capital and prioritizing reinvestment over dividend payouts. Conversely, low or negative retained earnings may suggest either a generous dividend policy, in which all profits are distributed to shareholders, or ongoing losses that reduce the overall financial result.

The presence of retained earnings does not indicate that the company has available cash — it is solely an accounting figure reflecting the accumulated portion of net profit remaining after dividends have been paid. Therefore, it is important for investors to analyze not only the amount of retained earnings, but also how effectively it is used to develop the business, reduce debt, or build financial stability.

Annual Retained Earnings Bank of the James Financial Group

2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
36.7 M	31 M	23.4 M	24.7 M	20.9 M	16.5 M	12.3 M	10.2 M	7.92 M	5.03 M	2.12 M	-936 K	-3.07 M

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
36.7 M	-3.07 M	14.4 M

Quarterly Retained Earnings Bank of the James Financial Group

2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
47.7 M	45.4 M	43.2 M	42.8 M	41.6 M	40.1 M	38.4 M	36.7 M	34.9 M	33.2 M	31 M	31 M	29.4 M	27.2 M	25.2 M	23.4 M	21.9 M	20.4 M	26.2 M	24.7 M	24.7 M	24.7 M	24.7 M	20.9 M	20.9 M	20.9 M	20.9 M	16.5 M	16.5 M	16.5 M	16.5 M	12.3 M	12.3 M	12.3 M	12.3 M	10.2 M	10.2 M	10.2 M	10.2 M	7.92 M	7.92 M	7.92 M	7.92 M	5.03 M	5.03 M	5.03 M	5.03 M	2.12 M	2.12 M	2.12 M	2.12 M	-936 K	-936 K	-936 K	-936 K	-3.07 M	-3.07 M	-3.07 M	-3.07 M

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
47.7 M	-3.07 M	17.3 M

Retained Earnings of other stocks in the Banks industry

Issuer	Retained Earnings	Price	% 24h	Market Cap	Country
Credit Suisse Group AG CS	23.6 B	-	-0.03 %	$ 3.27 B	Schweiz
Banco de Chile BCH	655 B	$ 38.25	-1.32 %	$ 2.17 T	Chile
Barclays PLC BCS	50.7 B	$ 24.34	2.05 %	$ 125 B	Britain
Foreign Trade Bank of Latin America BLX	464 M	$ 45.38	0.54 %	$ 914 K	Panama
The Bank of Nova Scotia BNS	51.4 B	$ 73.14	0.52 %	$ 56 B	Canada
Banco Bilbao Vizcaya Argentaria, S.A. BBVA	30.5 B	$ 22.98	1.75 %	$ 132 B	Spain
Банк ВТБ VTBR	283 B	-	-	-	Russia
Bank of America BAC	242 B	$ 55.42	0.51 %	$ 435 B	USA
Банк АВАНГАРД AVAN	15.6 B	-	-	-	Russia
Canadian Imperial Bank of Commerce CM	25.8 B	$ 93.09	0.24 %	$ 17.8 B	Canada
Generations Bancorp NY GBNY	21 M	-	1.23 %	$ 34.4 M	USA
Московский Кредитный Банк CBOM	104 B	-	-	-	Russia
Кузнецкий Банк KUZB	327 M	-	-	-	Russia
Приморье Банк PRMB	2.8 B	-	-	-	Russia
РосДорБанк RDRB	561 M	-	-	-	Russia
Росбанк ROSB	83.4 B	-	-	-	Russia
Сбербанк SBER	6.35 T	-	-	-	Russia
TCS Group Holding PLC TCSG	181 B	-	-	-	Russia
Уралсиб USBN	41.8 B	-	-	-	Russia
Bank of Montreal BMO	35.5 B	$ 132.25	0.47 %	$ 54.1 B	Canada
Citigroup C	206 B	$ 113.05	1.1 %	$ 215 B	USA
East West Bancorp EWBC	7.31 B	$ 113.6	-0.02 %	$ 15.8 B	USA
Altabancorp ALTA	269 M	-	-1.25 %	$ 834 M	USA
Great Western Bancorp, Inc. GWB	-57.2 M	-	-2.02 %	$ 1.82 B	USA
Itaú Corpbanca ITCB	-769 B	-	1.18 %	$ 2.2 B	Chile
Eastern Bankshares EBC	2.08 B	$ 19.55	-0.53 %	$ 3.54 B	USA
Westpac Banking Corporation WBK	26.5 B	-	-1.17 %	$ 52.7 B	Australia
America First Multifamily Investors, L.P. ATAX	-21.1 M	-	-0.1 %	$ 424 M	USA
Credicorp Ltd. BAP	347 M	$ 283.75	0.53 %	$ 11 B	Peru
HSBC Holdings PLC HSBC	141 B	$ 75.32	0.47 %	$ 762 B	Britain
HDFC Bank Limited HDB	587 B	$ 36.0	0.36 %	$ 199 B	India
Lloyds Banking Group plc LYG	4.58 B	$ 5.13	1.59 %	$ 150 B	Britain
Grupo Aval Acciones y Valores S.A. AVAL	11.3 T	$ 4.12	-	$ 2.93 B	Colombia
Mitsubishi UFJ Financial Group MUFG	8.32 T	$ 16.4	2.47 %	$ 191 B	Japan
International Bancshares Corporation IBOC	3.36 B	$ 72.78	0.39 %	$ 4.53 B	USA
The Bank of N.T. Butterfield & Son Limited NTB	422 M	$ 51.18	-0.33 %	$ 1.43 B	Bermuda
Banco Santander, S.A. SAN	56.8 B	$ 11.61	2.07 %	$ 65.8 B	Spain
OptimumBank Holdings OPHC	-2.85 M	-	0.21 %	$ 34.4 M	USA
Premier Financial Corp. PFC	597 M	-	-	$ 1 B	USA
JPMorgan Chase & Co. JPM	376 B	$ 320.0	0.37 %	$ 920 B	USA
Sumitomo Mitsui Financial Group SMFG	6.08 T	$ 19.66	3.18 %	$ 26.9 B	Japan
Royal Bank of Canada RY	71.8 B	$ 167.19	0.78 %	$ 128 B	Canada
The Toronto-Dominion Bank TD	63.9 B	$ 92.03	0.68 %	$ 113 B	Canada
South State Corporation SSB	2.05 B	$ 96.95	0.98 %	$ 7.4 B	USA
UBS Group AG UBS	38.8 B	$ 42.69	-1.19 %	$ 81.8 B	Schweiz
Wells Fargo & Company WFC	214 B	$ 92.76	-0.02 %	$ 318 B	USA