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Bank of the James Financial Group BOTJ Free cash flow

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Other financials

Income statement

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Revenue$12.7M+15.4%
Net income$2.8M+229%
EPS (diluted)$0.61+221%

Balance sheet

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Cash & equivalents$88.0M-7.3%
Total debt$3.3M-14.8%
Total equity$81.3M+18.9%
Total assets$1.1B+4.9%

Cash flow

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Operating cash flow$4.7M+521%
CapEx$382.0K-38.6%

Valuation

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Market cap$116.4M+84.6%
P/E10.6×+1.8×
P/S2.3×+0.9×

Profitability

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Net margin21.8%+7.1pp
FCF margin29.2%+11.9pp

Returns & leverage

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Return on equity14.6%+4.4pp
Debt / equity0×0.0×

Where this comes from

Calculated from Bank of the James Financial Group’s reported figures.

$4.7Mnet cash from operating−$382.0Kcapital expenditures=$4.36M

The official record: Bank of the James Financial Group’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bank of the James Financial Group's free cash flow?
Bank of the James Financial Group (BOTJ) reported free cash flow of $4.36M in Q1 2026.
How has Bank of the James Financial Group's free cash flow changed year-over-year?
Bank of the James Financial Group's free cash flow increased by 2990.1% year-over-year, from $141K to $4.36M.
What is the long-term trend for Bank of the James Financial Group's free cash flow?
Over 3 years (2021 to 2025), Bank of the James Financial Group's free cash flow has grown at a -7.9% compound annual growth rate (CAGR), from $13.44M to $10.5M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.