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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) Interest Coverage Ratio (2017 - 2025)

Bank Of The James Financial's Interest Coverage Ratio history spans 9 years, with the latest figure at 2.3 for Q4 2025.

  • For Q4 2025, Interest Coverage Ratio fell 3.42% year-over-year to 2.3; the TTM value through Dec 2025 reached 2.45, down 18.61%, while the annual FY2025 figure was 0.17, 24.92% up from the prior year.
  • Interest Coverage Ratio reached 2.3 in Q4 2025 per BOTJ's latest filing, up from 2.38 in the prior quarter.
  • In the past five years, Interest Coverage Ratio ranged from a high of 1.95 in Q3 2024 to a low of 15.68 in Q4 2021.
  • Average Interest Coverage Ratio over 5 years is 7.04, with a median of 2.93 recorded in 2023.
  • Peak YoY movement for Interest Coverage Ratio: tumbled 147.73% in 2021, then surged 82.84% in 2023.
  • A 5-year view of Interest Coverage Ratio shows it stood at 15.68 in 2021, then increased by 20.46% to 12.47 in 2022, then soared by 80.41% to 2.44 in 2023, then increased by 8.8% to 2.23 in 2024, then dropped by 3.42% to 2.3 in 2025.
  • Per Business Quant, the three most recent readings for BOTJ's Interest Coverage Ratio are 2.3 (Q4 2025), 2.38 (Q3 2025), and 2.57 (Q2 2025).