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 BOTJ strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
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. Check Bank of the James Financial Group tangible book value ratio to evaluate the tangible quality of the company's equity base.
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. For live market cap and the full company financial profile, see Bank of the James Financial Group market capitalisation.
| 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 | — |