Bank of the James Financial Group (BOTJ) — Financial Flexibility Index
Bank of the James Financial Group (BOTJ) has a Financial Flexibility Index of 0.00x as of December 2025. Free cash flow of $3.34 Million (operating CF $1.97 Million minus capex $1.37 Million) represents 0% of total liabilities ($958.98 Million). Check asset allocation strategy of Bank of the James Financial Group to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bank of the James Financial Group Financial Flexibility Index (2001–2025)
Historical Financial Flexibility Index trend for Bank of the James Financial Group across 25 annual periods. See BOTJ working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Bank of the James Financial Group (2001–2025)
Year-by-year free cash flow to debt coverage for Bank of the James Financial Group. For the full company profile including market capitalisation, see BOTJ market cap.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $12.82 Million | $11.66 Million | $958.98 Million | ▲ +10.6% |
| 2024 | 0.01x | $11.06 Million | $8.51 Million | $914.38 Million | ▼ -0.6% |
| 2023 | 0.01x | $11.07 Million | $9.49 Million | $909.33 Million | ▲ +1.8% |
| 2022 | 0.01x | $10.50 Million | $9.31 Million | $878.35 Million | ▼ -43.0% |
| 2021 | 0.02x | $19.26 Million | $16.35 Million | $918.21 Million | ▲ +136.8% |
| 2020 | 0.01x | $6.95 Million | $5.20 Million | $784.65 Million | ▼ -41.1% |
| 2019 | 0.02x | $9.99 Million | $5.59 Million | $663.84 Million | ▼ -14.2% |
| 2018 | 0.02x | $10.87 Million | $8.57 Million | $619.75 Million | ▲ +16.8% |
| 2017 | 0.02x | $8.64 Million | $6.72 Million | $574.68 Million | ▲ +75.6% |
| 2016 | 0.01x | $4.49 Million | $2.79 Million | $524.77 Million | ▼ -15.6% |
| 2015 | 0.01x | $4.86 Million | $3.35 Million | $479.26 Million | ▼ -38.0% |
| 2014 | 0.02x | $6.97 Million | $5.62 Million | $426.09 Million | ▲ +17.9% |
| 2013 | 0.01x | $5.61 Million | $4.79 Million | $404.74 Million | ▲ +4.5% |
| 2012 | 0.01x | $5.46 Million | $5.05 Million | $411.77 Million | ▼ -32.0% |
| 2011 | 0.02x | $7.82 Million | $7.12 Million | $400.63 Million | ▼ -3.9% |
| 2010 | 0.02x | $7.99 Million | $7.72 Million | $393.43 Million | ▲ +58.4% |
| 2009 | 0.01x | $5.30 Million | $1.65 Million | $413.96 Million | ▼ -16.7% |
| 2008 | 0.02x | $4.67 Million | $2.25 Million | $303.97 Million | ▲ +53.9% |
| 2007 | 0.01x | $2.45 Million | $2.44 Million | $245.54 Million | ▼ -43.5% |
| 2006 | 0.02x | $3.73 Million | $2.35 Million | $210.78 Million | ▼ -28.1% |
| 2005 | 0.02x | $4.46 Million | $3.57 Million | $181.18 Million | ▼ -2.0% |
| 2004 | 0.03x | $3.97 Million | $2.43 Million | $158.24 Million | ▼ -6.0% |
| 2003 | 0.03x | $3.57 Million | $1.79 Million | $133.70 Million | ▼ -4.5% |
| 2002 | 0.03x | $2.91 Million | $1.95 Million | $104.10 Million | ▲ +35.0% |
| 2001 | 0.02x | $1.38 Million | $1.09 Million | $66.47 Million | — |