Bank Of The James Financial Group annual free cash flow
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2025
Bank Of The James Financial Group Free Cash Flow (FCF) History (BOTJ)
Bank Of The James Financial Group reported $10.5M in free cash flow for fiscal 2025, an increase of 76.12% from the previous fiscal year, with a free cash flow margin of 245.61%.
View full Bank Of The James Financial Group company overviewBank Of The James Financial Group free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $10.5M | $4.5M | +76.12% | +245.61% |
| 2024 | 2024-12-31 | $6.0M | −$2.0M | −24.74% | +148.86% |
| 2023 | 2023-12-31 | $7.9M | −$203,000 | −2.50% | +202.97% |
| 2022 | 2022-12-31 | $8.1M | −$5.3M | −39.58% | +226.15% |
| 2021 | 2021-12-31 | $13.4M | $10.0M | +289.79% | +538.46% |
| 2020 | 2020-12-31 | $3.4M | $2.3M | +188.78% | +169.60% |
| 2019 | 2019-12-31 | $1.2M | −$5.1M | −80.96% | +66.89% |
| 2018 | 2018-12-31 | $6.3M | $1.5M | +30.72% | +335.22% |
| 2017 | 2017-12-31 | $4.8M | $3.7M | +345.08% | +272.77% |
| 2016 | 2016-12-31 | $1.1M | −$757,000 | −41.25% | +4.49% |
| 2015 | 2015-12-31 | $1.8M | −$2.4M | −57.16% | +8.42% |
| 2014 | 2014-12-31 | $4.3M | $313,000 | +7.88% | +21.42% |
| 2013 | 2013-12-31 | $4.0M | −$665,000 | −14.35% | +20.39% |
| 2012 | 2012-12-31 | $4.6M | −$1.8M | −27.92% | +23.95% |
| 2011 | 2011-12-31 | $6.4M | −$1.0M | −13.75% | +33.83% |
| 2010 | 2010-12-31 | $7.5M | — | — | +39.83% |
Bank Of The James Financial Group quarterly free cash flow
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Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $332,000 | −$3.2M | −90.59% | +28.89% |
| Q1 2026 | 2026-03-31 | $4.4M | $4.2M | +2990.07% | +438.33% |
| Q4 2025 | 2025-12-31 | $1.3M | −$204,000 | −13.20% | +105.51% |
| Q3 2025 | 2025-09-30 | $5.1M | $1.7M | +50.76% | +483.27% |
| Q2 2025 | 2025-06-30 | $3.5M | $758,000 | +27.36% | +361.85% |
| Q1 2025 | 2025-03-31 | $141,000 | $1.9M | — | +14.37% |
| Q4 2024 | 2024-12-31 | $1.5M | −$1.9M | −54.92% | +143.99% |
| Q3 2024 | 2024-09-30 | $3.4M | $1.1M | +52.06% | +338.35% |
| Q2 2024 | 2024-06-30 | $2.8M | $5.1M | — | +280.93% |
| Q1 2024 | 2024-03-31 | −$1.7M | −$6.3M | — | −179.33% |
| Q4 2023 | 2023-12-31 | $3.4M | −$252,000 | −6.85% | +357.35% |
| Q3 2023 | 2023-09-30 | $2.2M | −$1.5M | −41.15% | +219.62% |
| Q2 2023 | 2023-06-30 | −$2.3M | −$6.1M | — | −245.86% |
| Q1 2023 | 2023-03-31 | $4.6M | $7.7M | — | +471.41% |
| Q4 2022 | 2022-12-31 | $3.7M | −$2.3M | −37.97% | +357.88% |
| Q3 2022 | 2022-09-30 | $3.7M | $3.3M | +771.40% | +285.38% |
| Q2 2022 | 2022-06-30 | $3.7M | $1.7M | +83.83% | +568.54% |
| Q1 2022 | 2022-03-31 | −$3.0M | −$8.1M | — | −514.53% |
| Q4 2021 | 2021-12-31 | $5.9M | $144,000 | +2.49% | +855.84% |
| Q3 2021 | 2021-09-30 | $430,000 | $2.5M | — | +70.26% |
| Q2 2021 | 2021-06-30 | $2.0M | $2.3M | — | +319.47% |
| Q1 2021 | 2021-03-31 | $5.0M | $5.0M | +15662.50% | +910.47% |
| Q4 2020 | 2020-12-31 | $5.8M | $3.7M | +172.33% | +1085.74% |
| Q3 2020 | 2020-09-30 | −$2.1M | −$2.8M | — | −422.69% |
| Q2 2020 | 2020-06-30 | −$266,000 | $339,000 | — | −51.75% |
| Q1 2020 | 2020-03-31 | $32,000 | $1.0M | — | +6.56% |
| Q4 2019 | 2019-12-31 | $2.1M | $1.0M | +94.78% | +486.27% |
| Q3 2019 | 2019-09-30 | $647,000 | −$4.8M | −88.17% | +144.42% |
| Q2 2019 | 2019-06-30 | −$605,000 | $422,000 | — | −131.24% |
| Q1 2019 | 2019-03-31 | −$973,000 | −$1.7M | — | −221.64% |
| Q4 2018 | 2018-12-31 | $1.1M | $1.1M | +13537.50% | +219.96% |
| Q3 2018 | 2018-09-30 | $5.5M | $3.7M | +211.92% | +1226.01% |
| Q2 2018 | 2018-06-30 | −$1.0M | −$783,000 | — | −220.86% |
| Q1 2018 | 2018-03-31 | $740,000 | −$2.5M | −77.45% | +159.48% |
| Q4 2017 | 2017-12-31 | $8,000 | $1.4M | — | — |
| Q3 2017 | 2017-09-30 | $1.8M | −$708,000 | −28.77% | +365.97% |
| Q2 2017 | 2017-06-30 | −$244,000 | −$88,000 | — | −3.85% |
| Q1 2017 | 2017-03-31 | $3.3M | $3.2M | +2463.28% | +57.57% |
| Q4 2016 | 2016-12-31 | −$1.4M | −$3.1M | — | −22.15% |
| Q3 2016 | 2016-09-30 | $2.5M | $2.4M | +2518.09% | +40.03% |
| Q2 2016 | 2016-06-30 | −$156,000 | $656,000 | — | −2.57% |
| Q1 2016 | 2016-03-31 | $128,000 | −$651,000 | −83.57% | +2.25% |
| Q4 2015 | 2015-12-31 | $1.8M | $525,000 | +42.03% | +31.85% |
| Q3 2015 | 2015-09-30 | $94,000 | −$2.3M | −96.15% | +1.65% |
| Q2 2015 | 2015-06-30 | −$812,000 | −$342,000 | — | −15.03% |
| Q1 2015 | 2015-03-31 | $779,000 | −$283,000 | −26.65% | +15.15% |
| Q4 2014 | 2014-12-31 | $1.2M | $657,000 | +110.98% | +23.74% |
| Q3 2014 | 2014-09-30 | $2.4M | $1.5M | +152.27% | +48.09% |
| Q2 2014 | 2014-06-30 | −$470,000 | −$1.0M | — | −9.44% |
| Q1 2014 | 2014-03-31 | $1.1M | −$806,000 | −43.15% | +22.74% |
| Q4 2013 | 2013-12-31 | $592,000 | −$4.0M | −87.10% | +11.88% |
| Q3 2013 | 2013-09-30 | $968,000 | $2.6M | — | +20.44% |
| Q2 2013 | 2013-06-30 | $542,000 | $902,000 | — | +11.15% |
| Q1 2013 | 2013-03-31 | $1.9M | −$142,000 | −7.06% | +38.24% |
| Q4 2012 | 2012-12-31 | $4.6M | $2.5M | +122.28% | +90.71% |
| Q3 2012 | 2012-09-30 | −$1.6M | −$3.5M | — | −31.60% |
| Q2 2012 | 2012-06-30 | −$360,000 | −$1.4M | — | −7.69% |
| Q1 2012 | 2012-03-31 | $2.0M | $606,000 | +43.16% | +44.30% |
| Q4 2011 | 2011-12-31 | $2.1M | $648,000 | +45.73% | +41.15% |
| Q3 2011 | 2011-09-30 | $1.9M | — | — | +37.93% |
| Q2 2011 | 2011-06-30 | $1.0M | — | — | +22.94% |
| Q1 2011 | 2011-03-31 | $1.4M | — | — | +32.06% |
| Q3 2010 | 2010-09-30 | $1.4M | — | — | +28.97% |
Bank Of The James Financial Group free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from $3.4M to $10.5M, a compound annual growth rate of 24.93%. Bank Of The James Financial Group's latest reported quarter, Q2 2026, generated $332,000 in free cash flow, a decrease of 90.59% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Bank Of The James Financial Group filings at SEC.gov ↗