Bank of the James Financial Group (BOTJ) — Cash Flow-to-Debt Ratio
Bank of the James Financial Group (BOTJ) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $1.97 Million could theoretically repay 0% of its total liabilities ($958.98 Million) in one year. See BOTJ financial flexibility score to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Bank of the James Financial Group Cash Flow-to-Debt Ratio (2001–2025)
Historical debt coverage capacity for Bank of the James Financial Group across 25 annual periods. For the full cash flow conversion analysis, see BOTJ cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Bank of the James Financial Group (2001–2025)
Year-by-year debt coverage analysis for Bank of the James Financial Group. Check Bank of the James Financial Group cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $11.66 Million | $958.98 Million | ▲ +30.7% |
| 2024 | 0.01x | $8.51 Million | $914.38 Million | ▼ -10.9% |
| 2023 | 0.01x | $9.49 Million | $909.33 Million | ▼ -1.5% |
| 2022 | 0.01x | $9.31 Million | $878.35 Million | ▼ -40.5% |
| 2021 | 0.02x | $16.35 Million | $918.21 Million | ▲ +168.7% |
| 2020 | 0.01x | $5.20 Million | $784.65 Million | ▼ -21.3% |
| 2019 | 0.01x | $5.59 Million | $663.84 Million | ▼ -39.1% |
| 2018 | 0.01x | $8.57 Million | $619.75 Million | ▲ +18.3% |
| 2017 | 0.01x | $6.72 Million | $574.68 Million | ▲ +120.2% |
| 2016 | 0.01x | $2.79 Million | $524.77 Million | ▼ -24.0% |
| 2015 | 0.01x | $3.35 Million | $479.26 Million | ▼ -47.1% |
| 2014 | 0.01x | $5.62 Million | $426.09 Million | ▲ +11.5% |
| 2013 | 0.01x | $4.79 Million | $404.74 Million | ▼ -3.5% |
| 2012 | 0.01x | $5.05 Million | $411.77 Million | ▼ -31.0% |
| 2011 | 0.02x | $7.12 Million | $400.63 Million | ▼ -9.4% |
| 2010 | 0.02x | $7.72 Million | $393.43 Million | ▲ +392.1% |
| 2009 | 0.00x | $1.65 Million | $413.96 Million | ▼ -46.1% |
| 2008 | 0.01x | $2.25 Million | $303.97 Million | ▼ -25.6% |
| 2007 | 0.01x | $2.44 Million | $245.54 Million | ▼ -10.8% |
| 2006 | 0.01x | $2.35 Million | $210.78 Million | ▼ -43.3% |
| 2005 | 0.02x | $3.57 Million | $181.18 Million | ▲ +28.3% |
| 2004 | 0.02x | $2.43 Million | $158.24 Million | ▲ +14.7% |
| 2003 | 0.01x | $1.79 Million | $133.70 Million | ▼ -28.5% |
| 2002 | 0.02x | $1.95 Million | $104.10 Million | ▲ +13.7% |
| 2001 | 0.02x | $1.09 Million | $66.47 Million | — |