Bank Of The James Financial (BOTJ) Interest Coverage Ratio (2010 - 2026)
Bank Of The James Financial's (BOTJ) quarterly Interest Coverage Ratio came in at 0.41 in Q1 2026, down 15.44% YoY from 0.49 in Q1 2025, and down 145.54% on a QoQ basis from 0.9 in Q4 2025.
Bank Of The James Financial (BOTJ) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Bank Of The James Financial (BOTJ) has 17 years of Interest Coverage Ratio data on file, last reported at 0.41 in Q1 2026.
- Quarterly Interest Coverage Ratio fell 15.44% year-over-year to 0.41 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 1.62 (down 21.76% YoY) and the FY2025 annual result came in at 1.73, down 57.53% from the prior year.
- Interest Coverage Ratio eased to 0.41 in Q1 2026, from 0.9 in the prior quarter.
- In the past five years, Interest Coverage Ratio ranged from a high of 1.36 in Q4 2023 to a low of 13.35 in Q4 2022.
- A 5-year average of 0.84 and a median of 0.26 in 2022 frame the typical range for Interest Coverage Ratio.
- Annual changes were most pronounced in 2023 — Interest Coverage Ratio soared 110.19% — and 2024, when it tumbled 77.52%.
- Tracing BOTJ's Interest Coverage Ratio over 5 years: stood at 13.35 in 2022, then soared by 110.19% to 1.36 in 2023, then sank by 38.41% to 0.84 in 2024, then advanced by 7.69% to 0.9 in 2025, then tumbled by 145.54% to 0.41 in 2026.
- The last three Interest Coverage Ratio figures came in at 0.41 (Q1 2026), 0.9 (Q4 2025), and 0.4 (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 1.49 |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 1.90 |
| 10 | Bank Of The James Financial | 123.35 Mn | 72.42 Mn | 891,000.00 | -2.78 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -0.39 |
| Mar 31, 2026 | -0.41 |
| Dec 31, 2025 | 0.90 |
| Sep 30, 2025 | -0.40 |
| Jun 30, 2025 | -0.36 |
| Mar 31, 2025 | -0.36 |
| Dec 31, 2024 | 0.84 |
| Sep 30, 2024 | -0.35 |
| Jun 30, 2024 | -0.26 |
| Mar 31, 2024 | -0.24 |
| Dec 31, 2023 | 1.36 |
| Sep 30, 2023 | -0.19 |
| Jun 30, 2023 | -0.22 |
| Mar 31, 2023 | -0.24 |
| Dec 31, 2022 | -13.35 |
| Sep 30, 2022 | -0.23 |
| Jun 30, 2022 | -0.26 |
| Mar 31, 2022 | -0.47 |
| Dec 31, 2021 | -14.66 |
| Sep 30, 2021 | -3.33 |