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). Read Bank of the James Financial Group debt and liabilities for a breakdown of total debt and financial obligations.
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 Bank of the James Financial Group capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
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 stock valuation.
| 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 | — |