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Bank of the James Financial Group cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$332K in Q2 2026 · $11.5M over twelve months

Operating cash flow$632K
Capital spending−$300K
Free cash flow+$332K
Cash / net income0.2×

Analysis

In Q2 2026, Bank of the James Financial Group generated $632K of operating cash flow and spent $300K on capital projects, leaving free cash flow of $332K. That is $3.2M less than in Q2 2025 ($3.5M).

Over the twelve months to Jun 30, 2026, operating cash flow was $12.6M; the largest uses were other investing ($75.9M), dividends ($1.8M), capital spending ($1.1M); besides operations, cash came from other financing ($24.3M); the cash balance fell by $42.4M.

Operating cash flow was $632K against net income of $3.2M — 0.2× profit, less cash than reported earnings, worth checking against working capital. The largest differences: depreciation & amortization +$352K, other liabilities −$147K, prepaid and other assets −$109K.

Free cash flow

Bank of the James Financial Group: free cash flow by quarterBank of the James Financial Group: free cash flow by quarter$3.4MQ3 2024$1.5MQ4 2024$141KQ1 2025$3.5MQ2 2025$5.5MQ3 2025$1.3MQ4 2025$4.4MQ1 2026$332KQ2 2026
Operating cash flow less capital spending.
Bank of the James Financial Group: operating cash flow against capital spendingBank of the James Financial Group: operating cash flow against capital spendingOperating cash flowCapital spending$5.0M$1.6MQ3 2024$1.9M$341KQ4 2024$763K$622KQ1 2025$3.7M$125KQ2 2025$5.3M−$215KQ3 2025$2.0M$633KQ4 2025$4.7M$382KQ1 2026$632K$300KQ2 2026
Latest (Q2 2026): Operating cash flow $632K, Capital spending $300K.

Capital allocation, year by year

Bank of the James Financial Group: where the cash came from (up) and went (down), by fiscal yearBank of the James Financial Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $16.3MFY2021: Net borrowing −$414KFY2021: Capital spending −$2.9MFY2021: Acquisitions −$10.4MFY2021: Buybacks −$427KFY2021: Dividends −$1.3M$16.3MFY2021FY2022: Operating cash flow $9.3MFY2022: Net borrowing −$357KFY2022: Capital spending −$1.2MFY2022: Acquisitions −$818KFY2022: Buybacks −$1.4MFY2022: Dividends −$1.4M$9.3MFY2022FY2023: Operating cash flow $9.5MFY2023: Net borrowing −$367KFY2023: Capital spending −$1.6MFY2023: Buybacks −$997KFY2023: Dividends −$1.5M$9.5MFY2023FY2024: Operating cash flow $8.5MFY2024: Net borrowing −$402KFY2024: Capital spending −$2.5MFY2024: Dividends −$1.8M$8.5MFY2024FY2025: Operating cash flow $11.7MFY2025: Net borrowing −$10.5MFY2025: Capital spending −$1.2MFY2025: Dividends −$1.8M$11.7MFY2025
Over these 5 years operating cash flow totalled $55.3M; the largest uses were net borrowing ($12.0M) and acquisitions ($11.2M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$35.5M
Debtnone
Net cash$35.5M

Bank of the James Financial Group funds itself: free cash flow was $11.5M over the last twelve months, with $35.5M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Bank of the James Financial Group: sources (+) and uses (−) of cash, Q2 2026Bank of the James Financial Group: sources (+) and uses (−) of cash, Q2 2026Cash drawn (+) / kept (−)$52.4MOther investing−$30.8MOther financing−$21.4MOperating cash flow$632KDividends−$454KCapital spending−$300KNet borrowing (+) / repaid (−)−$115K
Bank of the James Financial Group: sources (+) and uses (−) of cash, TTM to Q2 2026Bank of the James Financial Group: sources (+) and uses (−) of cash, TTM to Q2 2026Other investing−$75.9MCash drawn (+) / kept (−)$42.4MOther financing$24.3MOperating cash flow$12.6MDividends−$1.8MCapital spending−$1.1MNet borrowing (+) / repaid (−)−$457K

From profit to cash

Bank of the James Financial Group: net income to operating cash flow, Q2 2026Bank of the James Financial Group: net income to operating cash flow, Q2 2026Net income$3.2MDepreciation & amortization$352KPrepaid and other assets−$109KOther liabilities−$147KOperating cash flow$632K
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q2 2026$632K−$300K−$454K−$115K$52.4M$332K
Q1 2026$4.7M−$382K−$455K−$115K−$3.5M$4.4M
Q4 2025$2.0M−$633K−$453K−$114K$976K$1.3M
Q3 2025$5.3M$215K−$454K−$113K−$7.5M$5.5M
Q2 2025$3.7M−$125K−$455K−$113K$17.1M$3.5M
Q1 2025$763K−$622K−$455K−$111K−$21.7M$141K
Q4 2024$1.9M−$341K−$454K−$111K$35.9M$1.5M
Q3 2024$5.0M−$1.6M−$454K−$105K−$34.6M$3.4M

Bank of the James Financial Group: income statement and cash flow

Bank of the James Financial Group, Q2 2026: revenue $13.7M (+11% year over year), operating margin 29.6%. The chart follows the revenue to costs, profit and cash.

Bank of the James Financial Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.