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). 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.
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. Check Bank of the James Financial Group PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
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 Bank of the James Financial Group market cap and net worth.
| 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 | — |