Bank of the James Financial Group (BOTJ) — Working Capital to Net Assets Ratio
Bank of the James Financial Group (BOTJ) has a Working Capital to Net Assets ratio of -1128.3% as of December 2025. Working capital of $-903.19 Million (current assets of $35.11 Million minus current liabilities of $938.30 Million) is measured against net assets of $80.05 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See Bank of the James Financial Group (BOTJ) flexibility index to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Bank of the James Financial Group Working Capital to Net Assets (2001–2025)
This chart shows how Bank of the James Financial Group's Working Capital to Net Assets ratio has evolved across 25 annual periods from 2001 to 2025. As of December 2025, the ratio stands at -1128.3%, reflecting working capital of $-903.19 Million against net assets of $80.05 Million USD. See operational self-sufficiency of Bank of the James Financial Group to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for Bank of the James Financial Group (2001–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Bank of the James Financial Group from 2001 to 2025, covering 25 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see Bank of the James Financial Group stock valuation.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 109.5% | $87.68 Million | $80.05 Million | $87.86 Million | $177.00K | ▲ +1406.7 pp |
| 2024 | -1297.1% | $-841.39 Million | $64.86 Million | $41.74 Million | $883.13 Million | ▼ -241.2 pp |
| 2023 | -1055.9% | $-633.98 Million | $60.04 Million | $244.96 Million | $878.94 Million | ▲ +197.7 pp |
| 2022 | -1253.7% | $-629.68 Million | $50.23 Million | $218.55 Million | $848.23 Million | ▼ -254.4 pp |
| 2021 | -999.3% | $-693.79 Million | $69.43 Million | $193.31 Million | $887.10 Million | ▼ -1185.3 pp |
| 2020 | 186.0% | $124.13 Million | $66.73 Million | $124.22 Million | $85.00K | ▲ +36.3 pp |
| 2019 | 149.7% | $92.14 Million | $61.55 Million | $92.31 Million | $173.00K | ▲ +1110.6 pp |
| 2018 | -960.9% | $-529.87 Million | $55.14 Million | $82.30 Million | $612.17 Million | ▼ -1110.3 pp |
| 2017 | 149.4% | $77.18 Million | $51.66 Million | $77.29 Million | $111.00K | ▲ +1086.0 pp |
| 2016 | -936.6% | $-462.89 Million | $49.42 Million | $60.31 Million | $523.20 Million | ▼ -1046.9 pp |
| 2015 | 110.2% | $53.13 Million | $48.20 Million | $53.20 Million | $61.00K | ▲ +1155.3 pp |
| 2014 | -1045.0% | $-363.42 Million | $34.78 Million | $39.33 Million | $402.74 Million | ▲ +53.3 pp |
| 2013 | -1098.4% | $-327.00 Million | $29.77 Million | $64.57 Million | $391.57 Million | ▲ +15.3 pp |
| 2012 | -1113.6% | $-329.78 Million | $29.61 Million | $69.30 Million | $399.08 Million | ▲ +59.5 pp |
| 2011 | -1173.1% | $-314.45 Million | $26.80 Million | $68.27 Million | $382.72 Million | ▲ +249.6 pp |
| 2010 | -1422.7% | $-362.71 Million | $25.50 Million | $13.13 Million | $375.84 Million | ▲ +155.5 pp |
| 2009 | -1578.2% | $-374.43 Million | $23.73 Million | $12.25 Million | $386.68 Million | ▼ -480.0 pp |
| 2008 | -1098.2% | $-270.54 Million | $24.64 Million | $12.21 Million | $282.75 Million | ▼ -121.9 pp |
| 2007 | -976.3% | $-239.43 Million | $24.52 Million | $5.83 Million | $245.26 Million | ▼ -52.5 pp |
| 2006 | -923.8% | $-202.60 Million | $21.93 Million | $8.05 Million | $210.65 Million | ▲ +269.0 pp |
| 2005 | -1192.8% | $-175.05 Million | $14.68 Million | $6.07 Million | $181.12 Million | ▲ +5.4 pp |
| 2004 | -1198.1% | $-153.19 Million | $12.79 Million | $4.96 Million | $158.16 Million | ▼ -69.9 pp |
| 2003 | -1128.3% | $-127.59 Million | $11.31 Million | $5.98 Million | $133.57 Million | ▼ -133.6 pp |
| 2002 | -994.7% | $-99.21 Million | $9.97 Million | $4.42 Million | $103.62 Million | ▼ -300.2 pp |
| 2001 | -694.5% | $-63.35 Million | $9.12 Million | $3.03 Million | $66.38 Million | — |