Bank of the James Financial Group Cash Flow Quality Index
Bank of the James Financial Group 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 cash flow to debt ratio of Bank of the James Financial Group to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Bank of the James Financial Group (2001–2025)
Cash flow quality index of Bank of the James Financial Group from 2001 to 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. See Bank of the James Financial Group net asset quality index to measure how much of total assets are equity-financed.
Bank of the James Financial Group Cash Flow Quality Index by Year (2001–2025)
Bank of the James Financial Group cash flow quality index by year from 2001 to 2025. Year-by-year earnings quality comparison for Bank of the James Financial Group. For the full cash flow conversion analysis, see Bank of the James Financial Group (BOTJ) cash conversion ratio.
| 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 | — |