Bank of the James Financial Group (BOTJ) - Net Assets
Based on the latest financial reports, Bank of the James Financial Group (BOTJ) has net assets worth $81.28 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.06 Billion) and total liabilities ($979.90 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore BOTJ net asset momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $81.28 Million |
| % of Total Assets | 7.66% |
| Annual Growth Rate | 9.47% |
| 5-Year Change | 15.29% |
| 10-Year Change | 61.97% |
| Growth Volatility | 13.98 |
Bank of the James Financial Group - Net Assets Trend (2001–2025)
This chart illustrates how Bank of the James Financial Group's net assets have evolved over time, based on quarterly financial data. Check how strategically is Bank of the James Financial Group's equity deployed to assess the company's strategic physical and investment asset allocation.
Annual Net Assets for Bank of the James Financial Group (2001–2025)
The table below shows the annual net assets of Bank of the James Financial Group from 2001 to 2025. For live market cap and overall valuation, see BOTJ market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $80.05 Million | +23.41% |
| 2024-12-31 | $64.86 Million | +8.04% |
| 2023-12-31 | $60.04 Million | +19.54% |
| 2022-12-31 | $50.23 Million | -27.66% |
| 2021-12-31 | $69.43 Million | +4.04% |
| 2020-12-31 | $66.73 Million | +8.42% |
| 2019-12-31 | $61.55 Million | +11.62% |
| 2018-12-31 | $55.14 Million | +6.73% |
| 2017-12-31 | $51.66 Million | +4.54% |
| 2016-12-31 | $49.42 Million | +2.54% |
| 2015-12-31 | $48.20 Million | +38.59% |
| 2014-12-31 | $34.78 Million | +16.81% |
| 2013-12-31 | $29.77 Million | +0.54% |
| 2012-12-31 | $29.61 Million | +10.48% |
| 2011-12-31 | $26.80 Million | +5.14% |
| 2010-12-31 | $25.50 Million | +7.46% |
| 2009-12-31 | $23.73 Million | -3.69% |
| 2008-12-31 | $24.64 Million | +0.45% |
| 2007-12-31 | $24.52 Million | +11.82% |
| 2006-12-31 | $21.93 Million | +49.43% |
| 2005-12-31 | $14.68 Million | +14.78% |
| 2004-12-31 | $12.79 Million | +13.07% |
| 2003-12-31 | $11.31 Million | +13.39% |
| 2002-12-31 | $9.97 Million | +9.34% |
| 2001-12-31 | $9.12 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bank of the James Financial Group's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 5029958000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $50.01 Million | 62.47% |
| Common Stock | $9.72 Million | 12.15% |
| Other Comprehensive Income | $-14.94 Million | -18.66% |
| Other Components | $35.25 Million | 44.04% |
| Total Equity | $80.05 Million | 100.00% |
Bank of the James Financial Group Competitors by Market Cap
The table below lists competitors of Bank of the James Financial Group ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ctek AB
ST:CTEK
|
$106.03 Million |
|
Indústrias Romi S.A
SA:ROMI3
|
$106.03 Million |
|
Quoc Cuong Gia Lai JSC
VN:QCG
|
$106.10 Million |
|
Indospring Tbk
JK:INDS
|
$106.13 Million |
|
Captor Therapeutics S.A.
WAR:CTX
|
$105.97 Million |
|
Kumho Petro Chemical Co Ltd
KO:011785
|
$105.93 Million |
|
Atturra Ltd
AU:ATA
|
$105.87 Million |
|
Plenti Group Ltd
AU:PLT
|
$105.85 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank of the James Financial Group's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 64,865,000 to 80,048,000, a change of 15,183,000 (23.4%).
- Net income of 9,022,000 contributed positively to equity growth.
- Dividend payments of 1,817,000 reduced retained earnings.
- Other comprehensive income increased equity by 7,978,001.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $9.02 Million | +11.27% |
| Dividends Paid | $1.82 Million | -2.27% |
| Other Comprehensive Income | $7.98 Million | +9.97% |
| Other Changes | $-1.00 | -0.0% |
| Total Change | $- | 23.41% |
Book Value vs Market Value Analysis
This analysis compares Bank of the James Financial Group's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.53x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 21.93x to 1.53x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2001-12-31 | $1.23 | $27.02 | x |
| 2002-12-31 | $1.33 | $27.02 | x |
| 2003-12-31 | $3.70 | $27.02 | x |
| 2004-12-31 | $4.25 | $27.02 | x |
| 2005-12-31 | $3.84 | $27.02 | x |
| 2006-12-31 | $6.06 | $27.02 | x |
| 2007-12-31 | $6.57 | $27.02 | x |
| 2008-12-31 | $6.74 | $27.02 | x |
| 2009-12-31 | $6.62 | $27.02 | x |
| 2010-12-31 | $6.97 | $27.02 | x |
| 2011-12-31 | $7.33 | $27.02 | x |
| 2012-12-31 | $8.05 | $27.02 | x |
| 2013-12-31 | $8.07 | $27.02 | x |
| 2014-12-31 | $9.39 | $27.02 | x |
| 2015-12-31 | $12.69 | $27.02 | x |
| 2016-12-31 | $10.26 | $27.02 | x |
| 2017-12-31 | $10.73 | $27.02 | x |
| 2018-12-31 | $11.45 | $27.02 | x |
| 2019-12-31 | $12.77 | $27.02 | x |
| 2020-12-31 | $13.97 | $27.02 | x |
| 2021-12-31 | $14.62 | $27.02 | x |
| 2022-12-31 | $10.69 | $27.02 | x |
| 2023-12-31 | $13.16 | $27.02 | x |
| 2024-12-31 | $14.28 | $27.02 | x |
| 2025-12-31 | $17.62 | $27.02 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank of the James Financial Group utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.27%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.43%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 12.98x
- Recent ROE (11.27%) is above the historical average (8.63%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2001 | 6.90% | 11.30% | 0.07x | 8.29x | $-282.80K |
| 2002 | 8.16% | 10.30% | 0.07x | 11.44x | $-183.33K |
| 2003 | 12.52% | 15.09% | 0.06x | 12.82x | $285.15K |
| 2004 | 11.51% | 13.07% | 0.07x | 13.38x | $193.40K |
| 2005 | 12.20% | 12.69% | 0.07x | 13.35x | $323.40K |
| 2006 | 8.05% | 10.39% | 0.07x | 10.61x | $-428.10K |
| 2007 | 8.50% | 10.18% | 0.08x | 11.01x | $-368.40K |
| 2008 | 0.91% | 1.15% | 0.06x | 13.34x | $-2.24 Million |
| 2009 | -2.71% | -2.73% | 0.05x | 18.45x | $-3.01 Million |
| 2010 | 7.14% | 7.25% | 0.06x | 16.43x | $-729.50K |
| 2011 | 2.24% | 2.62% | 0.05x | 15.95x | $-2.08 Million |
| 2012 | 7.20% | 9.63% | 0.05x | 14.90x | $-829.30K |
| 2013 | 10.28% | 14.12% | 0.05x | 14.59x | $82.80K |
| 2014 | 9.81% | 15.45% | 0.05x | 13.25x | $-64.60K |
| 2015 | 7.66% | 15.26% | 0.05x | 10.94x | $-1.13 Million |
| 2016 | 6.65% | 12.67% | 0.05x | 11.62x | $-1.66 Million |
| 2017 | 5.66% | 10.46% | 0.04x | 12.12x | $-2.24 Million |
| 2018 | 9.62% | 16.74% | 0.05x | 12.24x | $-212.30K |
| 2019 | 9.11% | 15.42% | 0.05x | 11.79x | $-550.10K |
| 2020 | 7.46% | 12.59% | 0.05x | 12.76x | $-1.69 Million |
| 2021 | 10.93% | 19.32% | 0.04x | 14.23x | $646.10K |
| 2022 | 17.84% | 20.28% | 0.05x | 18.49x | $3.94 Million |
| 2023 | 14.50% | 16.93% | 0.05x | 16.15x | $2.70 Million |
| 2024 | 12.25% | 13.47% | 0.06x | 15.10x | $1.46 Million |
| 2025 | 11.27% | 14.43% | 0.06x | 12.98x | $1.02 Million |
Industry Comparison
This section compares Bank of the James Financial Group's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $630,343,900
- Average return on equity (ROE) among peers: 7.63%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank of the James Financial Group (BOTJ) | $81.28 Million | 6.90% | 12.06x | $106.00 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $273.41 Million | -1.46% | 9.87x | $5.85 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $137.20 Million |
| Alerus Financial Corp (ALRS) | $171.09 Million | 12.14% | 7.70x | $775.72 Million |
| Amalgamated Bank (AMAL) | $563.88 Million | 9.39% | 11.55x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $747.42 Million | 6.13% | 9.87x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $334.39 Million | 12.21% | 10.03x | $643.47 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.43 Million |
About Bank of the James Financial Group
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It operates through three segments: Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management). … Read more