Bank of the James Financial Group (BOTJ) — Cash Flow Quality Index
Bank of the James Financial Group (BOTJ) has a Cash Flow Quality Index of 0.72x as of December 2025. Operating cash flow of $1.97 Million is below net income of $2.72 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Bank of the James Financial Group cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bank of the James Financial Group Cash Flow Quality Index (2001–2025)
Historical Cash Flow Quality Index for Bank of the James Financial Group across 24 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Bank of the James Financial Group operating cash flow efficiency.
Annual Cash Flow Quality Index for Bank of the James Financial Group (2001–2025)
Year-by-year earnings quality comparison for Bank of the James Financial Group.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.29x | $11.66 Million | $9.02 Million | ▲ +20.7% |
| 2024 | 1.07x | $8.51 Million | $7.94 Million | ▼ -1.8% |
| 2023 | 1.09x | $9.49 Million | $8.70 Million | ▲ +4.9% |
| 2022 | 1.04x | $9.31 Million | $8.96 Million | ▼ -51.8% |
| 2021 | 2.15x | $16.35 Million | $7.59 Million | ▲ +106.4% |
| 2020 | 1.04x | $5.20 Million | $4.98 Million | ▲ +4.6% |
| 2019 | 1.00x | $5.59 Million | $5.61 Million | ▼ -38.3% |
| 2018 | 1.62x | $8.57 Million | $5.30 Million | ▼ -29.7% |
| 2017 | 2.30x | $6.72 Million | $2.92 Million | ▲ +171.2% |
| 2016 | 0.85x | $2.79 Million | $3.29 Million | ▼ -6.5% |
| 2015 | 0.91x | $3.35 Million | $3.69 Million | ▼ -45.0% |
| 2014 | 1.65x | $5.62 Million | $3.41 Million | ▲ +5.3% |
| 2013 | 1.57x | $4.79 Million | $3.06 Million | ▼ -33.9% |
| 2012 | 2.37x | $5.05 Million | $2.13 Million | ▼ -80.1% |
| 2011 | 11.87x | $7.12 Million | $600.00K | ▲ +179.9% |
| 2010 | 4.24x | $7.72 Million | $1.82 Million | ▼ -57.7% |
| 2008 | 10.04x | $2.25 Million | $224.00K | ▲ +756.5% |
| 2007 | 1.17x | $2.44 Million | $2.08 Million | ▼ -12.0% |
| 2006 | 1.33x | $2.35 Million | $1.76 Million | ▼ -33.1% |
| 2005 | 1.99x | $3.57 Million | $1.79 Million | ▲ +20.8% |
| 2004 | 1.65x | $2.43 Million | $1.47 Million | ▲ +30.6% |
| 2003 | 1.26x | $1.79 Million | $1.42 Million | ▼ -46.7% |
| 2002 | 2.37x | $1.95 Million | $821.44K | ▲ +36.4% |
| 2001 | 1.74x | $1.09 Million | $629.33K | — |