BOTJ (Bank of the James Financial Group) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is Bank of the James Financial Group LT-Debt-to-Total-Asset?

Bank of the James Financial Group BOTJ -0.72% 63 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates BOTJ with a GF Score™ of 63/100 and a GF Value™ of $15.82 (Significantly Overvalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Bank of the James Financial Group's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Bank of the James Financial Group's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.01). It may suggest that Bank of the James Financial Group is progressively becoming less dependent on debt to grow their business.

Bank of the James Financial Group (NAS:BOTJ) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Bank of the James Financial Group LT-Debt-to-Total-Asset Related Terms

Bank of the James Financial Group LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Bank of the James Financial Group's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank of the James Financial Group LT-Debt-to-Total-Asset Chart

Bank of the James Financial Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.02

0.01

Bank of the James Financial Group Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.01	0.01	0.01	0.01

63GF Score

Bank of the James Financial Group Inc BOTJ

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Bank of the James Financial Group LT-Debt-to-Total-Asset Calculation

Bank of the James Financial Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	8.796	/	1039.024
	=	0.01

Bank of the James Financial Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	8.729	/	1061.189
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Bank of the James Financial Group (BOTJ) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bank of the James Financial Group and its competitors.

Is Bank of the James Financial Group's LT-Debt-to-Total-Asset too high?

Bank of the James Financial Group's current LT-Debt-to-Total-Asset is 0.01. Overall, Bank of the James Financial Group has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Bank of the James Financial Group's LT-Debt-to-Total-Asset compare to MPCB and PNBK?

Bank of the James Financial Group's LT-Debt-to-Total-Asset of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bank of the James Financial Group and its competitors. Bank of the James Financial Group's current LT-Debt-to-Total-Asset is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Bank of the James Financial Group stock overvalued right now?

Based on GuruFocus' analysis, Bank of the James Financial Group (BOTJ) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.82, compared to a current price of $25.44 — trading 60.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. Bank of the James Financial Group's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Bank of the James Financial Group (BOTJ), the current LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank of the James Financial Group (BOTJ) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of the James Financial Group stock appears to be overvalued. The current stock price of $25.44 is trading 60.8% above its estimated GF Value™ of $15.82. GuruFocus considers Bank of the James Financial Group to be Significantly Overvalued.

Key valuation signals for BOTJ:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $15.82 vs. price of $25.44 (60.8% above fair value)
GF Score™: 63/100 with 5 warning signs

No single metric tells the full story. See the BOTJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of the James Financial Group Business Description

Industry Financial Services Banks

Comparable Companies MPCB PNBK KTHN UNIB PBNK FKYS CNBP UNB OXBC RVSB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 828 Main Street, Lynchburg, VA, USA, 24504

Website https://www.bankofthejames.bank

Bank of the James Financial Group Inc is a bank holding company that provides retail and commercial banking, deposit services, lending services, mortgage brokerage services, and other banking services. The company provides a range of deposit services including checking accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. It offers various types of secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. It operates three business segments community banking; mortgage banking, and investment advisory services.

63GF Score

Get the complete analysis for BOTJ

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.44

Price

$15.82

GF Value

View BOTJ Analysis

See LT-Debt-to-Total-Asset data for all stocks →