Bank of the James Financial Group (BOTJ) — Tangible Net Worth Ratio
Bank of the James Financial Group (BOTJ) has a Tangible Net Worth Ratio of 92.6% as of March 2026. This metric is calculated by deducting intangible assets ($6.02 Million) from net assets ($81.28 Million) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. Also explore net asset momentum of Bank of the James Financial Group to track the company's year-over-year net asset growth rate.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Bank of the James Financial Group Tangible Net Worth Ratio (2001–2025)
This chart shows how Bank of the James Financial Group's Tangible Net Worth Ratio has changed across 25 annual periods from 2001 to 2025. As of March 2026, the ratio stands at 92.6%, reflecting net assets of $81.28 Million with intangible assets of $6.02 Million USD. For live market cap and overall valuation, see BOTJ company net worth.
Annual Tangible Net Worth Ratio for Bank of the James Financial Group (2001–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Bank of the James Financial Group from 2001 to 2025, covering 25 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. Explore Bank of the James Financial Group capital spending ratio to see what proportion of operating cash flow is directed to capital expenditures.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 92.3% | $80.05 Million | $6.16 Million | $1.04 Billion | ▲ +2.7 pp |
| 2024 | 89.6% | $64.86 Million | $6.72 Million | $979.24 Million | ▲ +1.8 pp |
| 2023 | 87.9% | $60.04 Million | $7.29 Million | $969.37 Million | ▲ +3.5 pp |
| 2022 | 84.4% | $50.23 Million | $7.84 Million | $928.57 Million | ▼ -3.5 pp |
| 2021 | 87.9% | $69.43 Million | $8.41 Million | $987.63 Million | ▼ -11.6 pp |
| 2020 | 99.5% | $66.73 Million | $361.00K | $851.39 Million | ▲ +0.1 pp |
| 2019 | 99.3% | $61.55 Million | $401.00K | $725.39 Million | ▼ -0.3 pp |
| 2018 | 99.7% | $55.14 Million | $193.00K | $674.90 Million | ▼ 0.0 pp |
| 2017 | 99.7% | $51.66 Million | $165.00K | $626.34 Million | ▲ +0.0 pp |
| 2016 | 99.6% | $49.42 Million | $176.00K | $574.20 Million | ▼ -0.4 pp |
| 2015 | 100.0% | $48.20 Million | $0.00 | $527.45 Million | ▲ +0.0 pp |
| 2014 | 100.0% | $34.78 Million | $0.00 | $460.87 Million | ▲ +0.9 pp |
| 2013 | 99.1% | $29.77 Million | $268.00K | $434.51 Million | ▼ 0.0 pp |
| 2012 | 99.1% | $29.61 Million | $252.00K | $441.38 Million | ▼ -0.4 pp |
| 2011 | 99.5% | $26.80 Million | $124.00K | $427.44 Million | ▼ -0.5 pp |
| 2010 | 100.0% | $25.50 Million | $0.00 | $418.93 Million | ▲ +0.0 pp |
| 2009 | 100.0% | $23.73 Million | $0.00 | $437.68 Million | ▲ +0.0 pp |
| 2008 | 100.0% | $24.64 Million | $0.00 | $328.61 Million | ▲ +0.0 pp |
| 2007 | 100.0% | $24.52 Million | $0.00 | $270.06 Million | ▲ +0.0 pp |
| 2006 | 100.0% | $21.93 Million | $0.00 | $232.71 Million | ▲ +0.0 pp |
| 2005 | 100.0% | $14.68 Million | $0.00 | $195.85 Million | ▲ +0.0 pp |
| 2004 | 100.0% | $12.79 Million | $0.00 | $171.03 Million | ▲ +0.0 pp |
| 2003 | 100.0% | $11.31 Million | $0.00 | $145.01 Million | ▲ +0.0 pp |
| 2002 | 100.0% | $9.97 Million | $0.00 | $114.07 Million | ▲ +0.0 pp |
| 2001 | 100.0% | $9.12 Million | $0.00 | $75.59 Million | — |