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Bank of the James Financial Group BOTJ Debt-to-equity

Debt-to-equity at other companies

Wells Fargo & Company logo
Wells Fargo & CompanyWFC
1.2×-0.5×
Truist Financial logo
Truist FinancialTFC
1.1×—
Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
0.3×+0.1×
C&F Financial logo
C&F FinancialCFFI
0.1×-0.1×
Riverview Bancorp logo
Riverview BancorpRVSB
0×0.0×
PRO
Provident Financial HoldingsPROV
1.5×+1.5×

Other financials

Income statement

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Revenue$12.7M+15.4%
Net income$2.8M+229%
EPS (diluted)$0.61+221%

Balance sheet

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Cash & equivalents$88.0M-7.3%
Total debt$3.3M-14.8%
Total equity$81.3M+18.9%
Total assets$1.1B+4.9%

Cash flow

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Operating cash flow$4.7M+521%
CapEx$382.0K-38.6%
Free cash flow$4.4M+2,990%

Valuation

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Market cap$116.4M+84.6%
P/E10.6×+1.8×
P/S2.3×+0.9×

Profitability

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Net margin21.8%+7.1pp
FCF margin29.2%+11.9pp

Returns & leverage

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Return on equity14.6%+4.4pp

Where this comes from

Calculated from Bank of the James Financial Group’s reported figures.

total debt/total stockholders equity=0×

Based on the most recent quarter.

The official record: Bank of the James Financial Group’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of the James Financial Group's debt-to-equity?
Bank of the James Financial Group (BOTJ) reported debt-to-equity of 0× in Q4 2025.
How has Bank of the James Financial Group's debt-to-equity changed year-over-year?
Bank of the James Financial Group's debt-to-equity decreased by 31.0% year-over-year, from 0.1× to 0×.
What is the long-term trend for Bank of the James Financial Group's debt-to-equity?
Over 5 years (2020 to 2025), Bank of the James Financial Group's debt-to-equity has grown at a -43.4% compound annual growth rate (CAGR), from 0.7× to 0×.
What does debt-to-equity mean?
Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.