Bank of the James Financial Group Financial Flexibility Index
Bank of the James Financial Group 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). Explore Bank of the James Financial Group capital spending ratio to see what proportion of operating cash flow is directed to capital expenditures.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Bank of the James Financial Group (2001–2025)
Financial flexibility index of Bank of the James Financial Group from 2001 to 2025. Historical Financial Flexibility Index trend for Bank of the James Financial Group across 25 annual periods. Check Bank of the James Financial Group investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Bank of the James Financial Group Financial Flexibility Index by Year (2001–2025)
Bank of the James Financial Group financial flexibility index by year from 2001 to 2025. Year-by-year free cash flow to debt coverage for Bank of the James Financial Group. For the full cash flow conversion analysis, see BOTJ cash generation efficiency.
| 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 | — |