Bank of the James Financial Group Working Capital to Net Assets Ratio
Bank of the James Financial Group 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.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Working Capital to Net Assets Ratio of Bank of the James Financial Group (2001–2025)
Working capital to net assets ratio of Bank of the James Financial Group from 2001 to 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. Explore Bank of the James Financial Group (BOTJ) long-term investment share to see how much of total assets are deployed in long-term investments.
Bank of the James Financial Group Working Capital to Net Assets Ratio by Year (2001–2025)
Bank of the James Financial Group working capital to net assets ratio by year from 2001 to 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 the complete balance sheet picture, see Bank of the James Financial Group (BOTJ) total assets.
| 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 | — |