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 Bank of the James Financial Group free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
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. Also explore how fast is Bank of the James Financial Group growing its equity to track the company's year-over-year net asset growth rate.
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. For market capitalisation and broader financial context, see BOTJ market cap.
| 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 | — |