Bank of the James Financial Group, Inc. (BOTJ)
NASDAQ: BOTJ · Real-Time Price · USD
21.29
+0.23 (1.09%)
At close: Apr 7, 2026, 4:00 PM EDT
21.29
0.00 (0.00%)
After-hours: Apr 7, 2026, 4:10 PM EDT

BOTJ Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
9.027.948.78.967.59
Depreciation & Amortization
1.891.941.972.612.06
Provision for Credit Losses
-0.04-0.66-0.18-0.9-0.5
Stock-Based Compensation
----0.11
Net Change in Loans Held-for-Sale
0.14-2.361.17-0.85.47
Other Adjustments
-0.77-0.180.570.240.29
Changes in Accrued Interest and Accounts Receivable
-0.32-0.23-0.1-0.670.29
Changes in Accounts Payable
0.450.240.390.04-0.04
Changes in Other Operating Activities
1.281.81-3.03-0.171.08
Operating Cash Flow
11.668.519.499.3116.35
Operating Cash Flow Growth
37.03%-10.36%1.93%-43.04%214.46%
Net Change in Loans Held-for-Investment
-24.64-34.12.38-2825.85
Net Change in Securities and Investments
-16.2826.46-22.73-57.16-75.6
Payments for Business Acquisitions
----0.82-10.4
Capital Expenditures
-1.17-2.55-1.57-1.19-2.91
Sale of Property, Plant & Equipment
0.05--0.03-
Other Investing Activities
-0.36-0.98-1.41-0.99-1.97
Investing Cash Flow
-42.4-11.17-23.34-88.13-65.03
Net Change in Deposits
54.733.9530.32-38.92122.09
Long-Term Debt Issued
----10.99
Long-Term Debt Repaid
-11.01-0.99-0.94-0.89-0.41
Net Long-Term Debt Issued (Repaid)
-11.01-0.99-0.94-0.8910.57
Repurchase of Common Stock
---1-1.4-0.43
Net Common Stock Issued (Repurchased)
---1-1.4-0.43
Common Dividends Paid
-1.82-1.82-1.46-1.37-1.27
Other Financing Activities
-----0.02
Financing Cash Flow
41.91.1426.92-42.57130.95
Net Cash Flow
11.17-1.5313.08-121.3982.27
Free Cash Flow
10.55.967.928.1213.44
Free Cash Flow Growth
76.12%-24.74%-2.50%-39.58%289.79%
FCF Margin
21.55%13.23%18.51%18.52%34.65%
Free Cash Flow Per Share
2.311.311.741.732.83
Levered Free Cash Flow
0.158.165.428.6918.64
Unlevered Free Cash Flow
2.131.21-2.340.620.48
Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q