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. See Bank of the James Financial Group free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
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. For the full cash flow conversion analysis, see how efficiently does Bank of the James Financial Group generate cash.
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. See BOTJ financial flexibility index to measure the company's free cash flow as a share of total liabilities.
| 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 | — |