Bank of the James Financial Group Cash Flow-to-Debt Ratio
Bank of the James Financial Group 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. Check Bank of the James Financial Group cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Bank of the James Financial Group (2001–2025)
Cash flow-to-debt ratio of Bank of the James Financial Group from 2001 to 2025. Historical debt coverage capacity for Bank of the James Financial Group across 25 annual periods. Check Bank of the James Financial Group earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
Bank of the James Financial Group Cash Flow-to-Debt Ratio by Year (2001–2025)
Bank of the James Financial Group cash flow-to-debt ratio by year from 2001 to 2025. Year-by-year debt coverage analysis for Bank of the James Financial Group. For the full cash flow conversion analysis, see BOTJ cash flow conversion.
| 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 | — |