Bank of the James Financial Group (BOTJ) Debt/Equity Ratio: History & Chart

Bank of the James Financial Group, Inc.(BOTJ)

Banks - Regional · Lynchburg, VA

$27.61+0.27 (+0.99%)

Delayed quote: Oct 6, 2026, 9:39 AM EDT

About Bank of the James Financial Group, Inc.

Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.

Lynchburg, VA

169 employees

www.bankofthejames.bank

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Robert R. Chapman

View full financials

BOTJ Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

0.10

DEBT TO EQUITY RATIO AVG TTM

0.11

DEBT TO EQUITY RATIO AVG 3Y

0.25

DEBT TO EQUITY RATIO AVG 5Y

0.27

DEBT TO EQUITY RATIO AVG 10Y

0.19

DEBT TO EQUITY RATIO AVG 15Y

0.26

DEBT TO EQUITY RATIO AVG 20Y

0.36

CURRENT VS TTM AVG

-7.20%

CURRENT VS 3Y AVG

-57.44%

CURRENT VS 5Y AVG

-61.86%

CURRENT VS 10Y AVG

-45.07%

CURRENT VS 15Y AVG

-59.31%

CURRENT VS 20Y AVG

-71.35%

SECTOR MEDIAN · FINANCIAL SERVICES

0.34

median of 433 covered companies

CURRENT VS SECTOR MEDIAN

-69.33%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Bank of the James Financial Group, Inc. (BOTJ)	$125.44M	0.10	0.11	0.25	0.27
Hoyne Bancorp, Inc. Common Stock (HYNE)vs ›	$123.88M	0.00	0.00	0.00	0.00
FortuneX Acquisition Corp (FXAC)vs ›	$127.33M	N/A	N/A	N/A	N/A
Futurewave Acquisition Corp. (FWAC)vs ›	$127.75M	N/A	N/A	N/A	N/A
Cantor Equity Partners VI, Inc. Class A Ordinary Shares (CEPS)vs ›	$120.60M	0.00	N/A	N/A	N/A
East West Ave Acquisition Corp. Common Stock (EWAV)vs ›	$130.92M	N/A	N/A	N/A	N/A
Alpex Acquisition Corp. (ALPX)vs ›	$118.70M	N/A	N/A	N/A	N/A
FG Communities Holdings Inc. (FGCPP)vs ›	$117.93M	N/A	N/A	N/A	N/A
Burtech Acquisition Corp II (BRKH)vs ›	$117.72M	N/A	N/A	N/A	N/A
Charlton Aria Acquisition Corporation (CHAR)vs ›	$117.23M	0.01	0.00	0.00	0.00

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Bank of the James Financial Group, Inc. (BOTJ)

$125.44M

0.10

0.11

0.25

0.27

Hoyne Bancorp, Inc. Common Stock (HYNE)vs ›

$123.88M

0.00

FortuneX Acquisition Corp (FXAC)vs ›

$127.33M

N/A

Futurewave Acquisition Corp. (FWAC)vs ›

$127.75M

N/A

Cantor Equity Partners VI, Inc. Class A Ordinary Shares (CEPS)vs ›

$120.60M

0.00

N/A

East West Ave Acquisition Corp. Common Stock (EWAV)vs ›

$130.92M

N/A

Alpex Acquisition Corp. (ALPX)vs ›

$118.70M

N/A

FG Communities Holdings Inc. (FGCPP)vs ›

$117.93M

N/A

Burtech Acquisition Corp II (BRKH)vs ›

$117.72M

N/A

Charlton Aria Acquisition Corporation (CHAR)vs ›

$117.23M

0.01

0.00

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Bank of the James Financial Group, Inc. (BOTJ)?

The debt to equity ratio for BOTJ stock is 0.10.

Is Bank of the James Financial Group, Inc.'s debt to equity ratio high or low?

The debt to equity ratio of 0.10 is 62% below its 5-year average of 0.27, near the low end of its 5-year range (0.10–0.43).

What is the TTM average debt to equity ratio for Bank of the James Financial Group, Inc. (BOTJ)?

The TTM average debt to equity ratio for BOTJ stock is 0.11.

What is the 3Y average debt to equity ratio for Bank of the James Financial Group, Inc. (BOTJ)?

The 3Y average debt to equity ratio for BOTJ stock is 0.25.

What is the 5Y average debt to equity ratio for Bank of the James Financial Group, Inc. (BOTJ)?

The 5Y average debt to equity ratio for BOTJ stock is 0.27.

What is the 10Y average debt to equity ratio for Bank of the James Financial Group, Inc. (BOTJ)?

The 10Y average debt to equity ratio for BOTJ stock is 0.19.

What is the 15Y average debt to equity ratio for Bank of the James Financial Group, Inc. (BOTJ)?

The 15Y average debt to equity ratio for BOTJ stock is 0.26.

What is the 20Y average debt to equity ratio for Bank of the James Financial Group, Inc. (BOTJ)?

The 20Y average debt to equity ratio for BOTJ stock is 0.36.

DATE	DEBT TO EQUITY RATIO
2026-06-30	0.10
2026-03-31	0.11
2025-12-31	0.11
2025-09-30	0.11
2025-06-30	0.13
2025-03-31	0.28
2024-12-31	0.30
2024-09-30	0.28
2024-06-30	0.32
2024-03-31	0.33
2023-12-31	0.33
2023-09-30	0.40
2023-06-30	0.38
2023-03-31	0.39
2022-12-31	0.41
2022-09-30	0.43
2022-06-30	0.39
2022-03-31	0.34
2021-12-31	0.30
2021-09-30	0.15
2021-06-30	0.15
2021-03-31	0.15
2020-12-31	0.15
2020-09-30	0.15
2020-06-30	0.11
2020-03-31	0.08
2019-12-31	0.08
2019-09-30	0.08
2019-06-30	0.08
2019-03-31	0.09
2018-12-31	0.09
2018-09-30	0.09
2018-06-30	0.10
2018-03-31	0.29
2017-12-31	0.10
2017-09-30	0.10
2017-06-30	0.20
2017-03-31	0.10
2016-12-31	0.00
2016-09-30	0.00
2016-06-30	0.00
2016-03-31	0.00
2015-12-31	0.21
2015-09-30	0.28
2015-06-30	0.28
2015-03-31	0.34
2014-12-31	0.72
2014-09-30	0.54
2014-06-30	0.40
2014-03-31	0.38
2013-12-31	0.54
2013-09-30	0.41
2013-06-30	0.41
2013-03-31	0.40
2012-12-31	0.41
2012-09-30	0.41
2012-06-30	0.69
2012-03-31	0.66
2011-12-31	0.95
2011-09-30	0.93
2011-06-30	0.95
2011-03-31	0.94
2010-12-31	0.95
2010-09-30	0.92
2010-06-30	1.00
2010-03-31	1.06
2009-12-31	1.59
2009-09-30	1.60
2009-06-30	1.70
2009-03-31	1.67
2008-12-31	1.43
2008-09-30	2.01
2008-06-30	1.68
2008-03-31	0.89
2007-12-31	0.66
2007-09-30	0.58
2007-06-30	0.40
2007-03-31	0.42
2006-12-31	0.39
2006-09-30	0.56
2006-06-30	0.47
2006-03-31	0.47
2005-12-31	0.47
2005-09-30	0.45
2005-06-30	0.37
2005-03-31	0.23
2004-12-31	0.33
2004-09-30	0.33
2004-06-30	0.27
2004-03-31	0.22
2003-12-31	0.00
2003-09-30	0.00
2003-06-30	0.00
2003-03-31	0.00
2002-12-31	0.00
2002-09-30	0.00

DATE

DEBT TO EQUITY RATIO

2026-06-30

0.10

2026-03-31

0.11

2025-12-31

0.11

2025-09-30

0.11

2025-06-30

0.13

2025-03-31

0.28

2024-12-31

0.30

2024-09-30

0.28

2024-06-30

0.32

2024-03-31

0.33

2023-12-31

0.33

2023-09-30

0.40

2023-06-30

0.38

2023-03-31

0.39

2022-12-31

0.41

2022-09-30

0.43

2022-06-30

0.39

2022-03-31

0.34

2021-12-31

0.30

2021-09-30

0.15

2021-06-30

0.15

2021-03-31

0.15

2020-12-31

0.15

2020-09-30

0.15

2020-06-30

0.11

2020-03-31

0.08

2019-12-31

0.08

2019-09-30

0.08

2019-06-30

0.08

2019-03-31

0.09

2018-12-31

0.09

2018-09-30

0.09

2018-06-30

0.10

2018-03-31

0.29

2017-12-31

0.10

2017-09-30

0.10

2017-06-30

0.20

2017-03-31

0.10

2016-12-31

0.00

2016-09-30

0.00

2016-06-30

0.00

2016-03-31

0.00

2015-12-31

0.21

2015-09-30

0.28

2015-06-30

0.28

2015-03-31

0.34

2014-12-31

0.72

2014-09-30

0.54

2014-06-30

0.40

2014-03-31

0.38

2013-12-31

0.54

2013-09-30

0.41

2013-06-30

0.41

2013-03-31

0.40

2012-12-31

0.41

2012-09-30

0.41

2012-06-30

0.69

2012-03-31

0.66

2011-12-31

0.95

2011-09-30

0.93

2011-06-30

0.95

2011-03-31

0.94

2010-12-31

0.95

2010-09-30

0.92

2010-06-30

1.00

2010-03-31

1.06

2009-12-31

1.59

2009-09-30

1.60

2009-06-30

1.70

2009-03-31

1.67

2008-12-31

1.43

2008-09-30

2.01

2008-06-30

1.68

2008-03-31

0.89

2007-12-31

0.66

2007-09-30

0.58

2007-06-30

0.40

2007-03-31

0.42

2006-12-31

0.39

2006-09-30

0.56

2006-06-30

0.47

2006-03-31

0.47

2005-12-31

0.47

2005-09-30

0.45

2005-06-30

0.37

2005-03-31

0.23

2004-12-31

0.33

2004-09-30

0.33

2004-06-30

0.27

2004-03-31

0.22

2003-12-31

0.00

2003-09-30

0.00

2003-06-30

0.00

2003-03-31

0.00

2002-12-31

0.00

2002-09-30

0.00

Debt to Equity Ratio: 0.10

BOTJ Debt to Equity Ratio

BOTJ Average Debt to Equity Ratio Chart

BOTJ Current vs Average Debt to Equity Ratio Chart

BOTJ Debt to Equity Ratio Metrics

BOTJ Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

BOTJ Debt to Equity Ratio History

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