Bank of the James Financial Group, Inc. (BOTJ)

BOTJ Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	7.92	7.94	8.7	8.96	7.59	4.98
Depreciation & Amortization	2.37	2.35	2.38	2.61	2.06	2.03
Other Amortization	0	0.01	0.01	0.01	0	0
Gain (Loss) on Sale of Assets	-0.03	-	0	-0.02	0.09	-0.03
Gain (Loss) on Sale of Investments	0.25	0.51	1.44	0.51	0.52	-0.24
Total Asset Writedown	-	-	0.02	0.2	-	0.44
Provision for Credit Losses	-0.37	-0.66	-0.18	-0.9	-0.5	2.55
Net Decrease (Increase) in Loans Originated / Sold - Operating	4.11	2.14	5.1	4.46	13.74	4.93
Accrued Interest Receivable	-0.3	-0.23	-0.1	-0.67	0.29	-0.48
Change in Other Net Operating Assets	2.88	1.81	-3.03	-0.17	1.08	0.09
Other Operating Activities	-1.15	-1.11	-1.32	-0.46	-0.32	-1.27
Operating Cash Flow	11.57	8.51	9.49	9.31	16.35	5.2
Operating Cash Flow Growth	14.06%	-10.36%	1.93%	-43.04%	214.46%	-7.03%
Capital Expenditures	-0.87	-2.55	-1.57	-1.19	-2.91	-1.75
Sale of Property, Plant and Equipment	0.05	-	-	0.03	-	-
Cash Acquisitions	-	-	-	-0.82	-10.4	-
Investment in Securities	-8.14	26.36	-22.73	-58.09	-76.17	-28
Net Decrease (Increase) in Loans Originated / Sold - Investing	-25.62	-34.1	2.38	-28	25.85	-31.23
Other Investing Activities	-0.01	-0.88	-1.95	-0.06	-1.77	-1.92
Investing Cash Flow	-34.59	-11.17	-23.34	-88.13	-65.03	-62.05
Long-Term Debt Issued	-	-	-	-	10.99	10.03
Long-Term Debt Repaid	-	-0.99	-0.94	-0.89	-0.41	-5.41
Total Debt Repaid	-11.11	-0.99	-0.94	-0.89	-0.41	-5.41
Net Debt Issued (Repaid)	-11.11	-0.99	-0.94	-0.89	10.57	4.61
Repurchase of Common Stock	-	-	-1	-1.4	-0.44	-0.28
Common Dividends Paid	-1.82	-1.82	-1.46	-1.37	-1.27	-1.22
Net Increase (Decrease) in Deposit Accounts	12.19	3.95	30.32	-38.92	122.09	115.51
Financing Cash Flow	-0.74	1.14	26.92	-42.57	130.95	118.63
Net Cash Flow	-23.76	-1.53	13.08	-121.39	82.27	61.78
Free Cash Flow	10.7	5.96	7.92	8.12	13.44	3.45
Free Cash Flow Growth	36.45%	-24.74%	-2.50%	-39.58%	289.79%	188.78%
Free Cash Flow Margin	22.44%	13.23%	18.51%	18.52%	34.65%	10.27%
Free Cash Flow Per Share	2.35	1.31	1.74	1.73	2.83	0.72
Cash Interest Paid	13.79	15.17	9.23	2.11	2.14	4.63
Cash Income Tax Paid	1.59	1.85	1.87	2.18	2.55	1.59

Updated Nov 14, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q