Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Bank Of The James Financial (BOTJ) Debt Ratio (2017 - 2025)

Bank Of The James Financial's Debt Ratio history spans 7 years, with the latest figure at 0.01 for Q4 2025.

  • For Q4 2025, Debt Ratio fell 10.86% year-over-year to 0.01; the TTM value through Dec 2025 reached 0.01, down 10.86%, while the annual FY2025 figure was 0.01, 10.86% down from the prior year.
  • Debt Ratio reached 0.01 in Q4 2025 per BOTJ's latest filing, down from 0.01 in the prior quarter.
  • In the past five years, Debt Ratio ranged from a high of 0.01 in Q4 2022 to a low of 0.01 in Q4 2025.
  • Average Debt Ratio over 5 years is 0.01, with a median of 0.01 recorded in 2023.
  • Peak YoY movement for Debt Ratio: rose 1.25% in 2022, then decreased 10.86% in 2025.
  • A 5-year view of Debt Ratio shows it stood at 0.01 in 2021, then increased by 1.25% to 0.01 in 2022, then dropped by 9.4% to 0.01 in 2023, then dropped by 6.91% to 0.01 in 2024, then dropped by 10.86% to 0.01 in 2025.
  • Per Business Quant, the three most recent readings for BOTJ's Debt Ratio are 0.01 (Q4 2025), 0.01 (Q3 2025), and 0.01 (Q2 2025).