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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) Gross Margin (2017 - 2025)

Bank Of The James Financial's Gross Margin history spans 9 years, with the latest figure at 86.78% for Q4 2025.

  • For Q4 2025, Gross Margin rose 2136.0% year-over-year to 86.78%; the TTM value through Dec 2025 reached 83.62%, up 280.0%, while the annual FY2025 figure was 85.23%, 442.0% up from the prior year.
  • Gross Margin reached 86.78% in Q4 2025 per BOTJ's latest filing, up from 85.37% in the prior quarter.
  • In the past five years, Gross Margin ranged from a high of 91.17% in Q3 2022 to a low of 47.47% in Q4 2022.
  • Average Gross Margin over 5 years is 78.02%, with a median of 81.62% recorded in 2021.
  • Peak YoY movement for Gross Margin: crashed -3565bps in 2022, then skyrocketed 2792bps in 2023.
  • A 5-year view of Gross Margin shows it stood at 83.12% in 2021, then plummeted by -43bps to 47.47% in 2022, then skyrocketed by 59bps to 75.39% in 2023, then fell by -13bps to 65.42% in 2024, then soared by 33bps to 86.78% in 2025.
  • Per Business Quant, the three most recent readings for BOTJ's Gross Margin are 86.78% (Q4 2025), 85.37% (Q3 2025), and 75.69% (Q2 2025).