Bank of the James Financial Group (BOTJ) — Cash Flow Reinvestment Rate
Bank of the James Financial Group (BOTJ) has a Cash Flow Reinvestment Rate of 6.07x as of December 2025, reinvesting $11.99 Million (capex $1.37 Million plus investments $-10.62 Million) from operating cash flow of $1.97 Million. Check earnings quality score of Bank of the James Financial Group to evaluate the quality of earnings relative to operating cash generation.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Bank of the James Financial Group Cash Flow Reinvestment Rate (2001–2025)
Historical reinvestment intensity for Bank of the James Financial Group across 25 annual periods. Explore Bank of the James Financial Group strategic investment ratio to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for Bank of the James Financial Group (2001–2025)
Year-by-year capital reinvestment analysis for Bank of the James Financial Group. For live market cap and broader valuation context, see Bank of the James Financial Group (BOTJ) market capitalisation.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 1.53x | $17.80 Million | $11.66 Million | $1.17 Million | ▼ -5.4% |
| 2024 | 1.61x | $13.72 Million | $8.51 Million | $2.55 Million | ▼ -6.8% |
| 2023 | 1.73x | $16.43 Million | $9.49 Million | $1.57 Million | ▼ -82.0% |
| 2022 | 9.59x | $89.32 Million | $9.31 Million | $1.19 Million | ▲ +132.8% |
| 2021 | 4.12x | $67.37 Million | $16.35 Million | $2.91 Million | ▼ -28.0% |
| 2020 | 5.72x | $29.75 Million | $5.20 Million | $1.75 Million | ▲ +275.2% |
| 2019 | 1.53x | $8.53 Million | $5.59 Million | $4.40 Million | ▲ +135.6% |
| 2018 | 0.65x | $5.55 Million | $8.57 Million | $2.30 Million | ▼ -0.2% |
| 2017 | 0.65x | $4.36 Million | $6.72 Million | $1.92 Million | ▼ -39.7% |
| 2016 | 1.08x | $3.00 Million | $2.79 Million | $1.71 Million | ▼ -87.4% |
| 2015 | 8.52x | $28.53 Million | $3.35 Million | $1.51 Million | ▲ +1947.4% |
| 2014 | 0.42x | $2.34 Million | $5.62 Million | $1.34 Million | ▲ +52.7% |
| 2013 | 0.27x | $1.31 Million | $4.79 Million | $821.00K | ▼ -74.6% |
| 2012 | 1.07x | $5.41 Million | $5.05 Million | $414.00K | ▲ +177.2% |
| 2011 | 0.39x | $2.76 Million | $7.12 Million | $694.00K | ▲ +1022.9% |
| 2010 | 0.03x | $266.00K | $7.72 Million | $266.00K | ▼ -98.4% |
| 2009 | 2.21x | $3.65 Million | $1.65 Million | $3.65 Million | ▲ +105.2% |
| 2008 | 1.08x | $2.42 Million | $2.25 Million | $2.42 Million | ▲ +23847.1% |
| 2007 | 0.00x | $11.00K | $2.44 Million | $11.00K | ▼ -99.2% |
| 2006 | 0.59x | $1.38 Million | $2.35 Million | $1.38 Million | ▲ +134.6% |
| 2005 | 0.25x | $890.00K | $3.57 Million | $890.00K | ▼ -60.8% |
| 2004 | 0.64x | $1.55 Million | $2.43 Million | $1.55 Million | ▼ -36.1% |
| 2003 | 1.00x | $1.78 Million | $1.79 Million | $1.78 Million | ▲ +101.2% |
| 2002 | 0.50x | $964.00K | $1.95 Million | $964.00K | ▲ +90.7% |
| 2001 | 0.26x | $283.82K | $1.09 Million | $283.82K | — |