Bank of the James Financial Group (BOTJ) — Free Cash Flow Generation Index
Bank of the James Financial Group (BOTJ) has a Free Cash Flow Generation Index of 0.31x as of December 2025. Free cash flow of $605.00K represents 0% of operating cash flow ($1.97 Million). See BOTJ current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Bank of the James Financial Group Free Cash Flow Generation Index (2001–2025)
Historical FCF Generation Index trend for Bank of the James Financial Group across 25 annual periods. Explore debt repayment capacity of Bank of the James Financial Group to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Bank of the James Financial Group (2001–2025)
Year-by-year Free Cash Flow Generation Index for Bank of the James Financial Group. For the full company profile including market capitalisation, see Bank of the James Financial Group market capitalisation.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.90x | $10.49 Million | $11.66 Million | $1.17 Million | ▲ +28.5% |
| 2024 | 0.70x | $5.96 Million | $8.51 Million | $2.55 Million | ▼ -16.0% |
| 2023 | 0.83x | $7.92 Million | $9.49 Million | $1.57 Million | ▼ -4.3% |
| 2022 | 0.87x | $8.12 Million | $9.31 Million | $1.19 Million | ▲ +6.1% |
| 2021 | 0.82x | $13.44 Million | $16.35 Million | $2.91 Million | ▲ +24.0% |
| 2020 | 0.66x | $3.45 Million | $5.20 Million | $1.75 Million | ▲ +210.6% |
| 2019 | 0.21x | $1.19 Million | $5.59 Million | $4.40 Million | ▼ -70.8% |
| 2018 | 0.73x | $6.27 Million | $8.57 Million | $2.30 Million | ▲ +2.4% |
| 2017 | 0.71x | $4.80 Million | $6.72 Million | $1.92 Million | ▲ +84.5% |
| 2016 | 0.39x | $1.08 Million | $2.79 Million | $1.71 Million | ▼ -29.4% |
| 2015 | 0.55x | $1.83 Million | $3.35 Million | $1.51 Million | ▼ -28.0% |
| 2014 | 0.76x | $4.28 Million | $5.62 Million | $1.34 Million | ▼ -8.1% |
| 2013 | 0.83x | $3.97 Million | $4.79 Million | $821.00K | ▼ -9.7% |
| 2012 | 0.92x | $4.63 Million | $5.05 Million | $414.00K | ▲ +1.7% |
| 2011 | 0.90x | $6.43 Million | $7.12 Million | $694.00K | ▼ -6.5% |
| 2010 | 0.97x | $7.46 Million | $7.72 Million | $266.00K | ▲ +179.6% |
| 2009 | -1.21x | $-2.00 Million | $1.65 Million | $3.65 Million | ▼ -1449.5% |
| 2008 | -0.08x | $-176.00K | $2.25 Million | $2.42 Million | ▼ -107.9% |
| 2007 | 1.00x | $2.43 Million | $2.44 Million | $11.00K | ▲ +140.1% |
| 2006 | 0.41x | $975.00K | $2.35 Million | $1.38 Million | ▼ -44.8% |
| 2005 | 0.75x | $2.68 Million | $3.57 Million | $890.00K | ▲ +106.7% |
| 2004 | 0.36x | $881.00K | $2.43 Million | $1.55 Million | ▲ +10717.4% |
| 2003 | 0.00x | $6.00K | $1.79 Million | $1.78 Million | ▼ -99.3% |
| 2002 | 0.50x | $982.01K | $1.95 Million | $964.00K | ▼ -31.8% |
| 2001 | 0.74x | $808.93K | $1.09 Million | $283.82K | — |