Bank Of The James Financial (BOTJ) Interest Coverage Ratio (2010 - 2026)
Bank Of The James Financial (BOTJ) reported Interest Coverage Ratio of 2.75 for Q1 2026, down 6.81% on a YoY basis from 2.95 in Q1 2025, and down 19.26% quarter-over-quarter from 2.3 in Q4 2025.
Bank Of The James Financial (BOTJ) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Bank Of The James Financial has reported Interest Coverage Ratio for 17 years, with the latest figure at 2.75 in Q1 2026.
- For the quarter ending Q1 2026, Interest Coverage Ratio fell 6.81% year-over-year to 2.75; the trailing twelve-month figure through Mar 2026 stood at 2.49 (down 14.47% YoY), and the FY2025 full-year result was 0.17, up 24.92% from the prior year.
- Interest Coverage Ratio for Q1 2026 stood at 2.75, down from 2.3 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 1.97 in Q3 2024, with the low at 15.39 in Q3 2022.
- Historically, Interest Coverage Ratio has averaged 5.33 across 5 years, with a median of 2.57 in 2025.
- Annual changes were most pronounced in 2022 — Interest Coverage Ratio slumped 32.0% — and 2023, when it jumped 83.04%.
- Bank Of The James Financial's Interest Coverage Ratio stood at 12.47 in 2022, then soared by 79.68% to 2.53 in 2023, then climbed by 15.14% to 2.15 in 2024, then slipped by 7.19% to 2.3 in 2025, then decreased by 19.26% to 2.75 in 2026.
- The last three Interest Coverage Ratio figures came in at 2.75 (Q1 2026), 2.3 (Q4 2025), and 2.38 (Q3 2025), per Business Quant data.
Powered by 
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 97,765.53 Bn | 97,765.53 Bn | - | -1.52 |
| 2 | Bank Bradesco | 6,846.93 Bn | 6,830.99 Bn | - | - |
| 3 | Lloyds Banking | 384.13 Bn | 384.40 Bn | - | - |
| 4 | First Capital | 215.78 Bn | 215.63 Bn | - | 2.53 |
| 5 | Itau Unibanco Holding | 202.78 Bn | 202.78 Bn | - | - |
| 6 | Landmark Bancorp | 180.37 Bn | 180.34 Bn | - | 2.21 |
| 7 | NatWest | 168.65 Bn | -51.67 Bn | - | - |
| 8 | Shinhan Financial | 136.54 Bn | 104.11 Bn | - | 0.04 |
| 9 | Mizuho Financial | 112.02 Bn | 112.56 Bn | - | - |
| 10 | Bank Of The James Financial | 112.95 Mn | 24.96 Mn | 805,000.00 | -2.75 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -2.75 |
| Dec 31, 2025 | -2.30 |
| Sep 30, 2025 | -2.38 |
| Jun 30, 2025 | -2.55 |
| Mar 31, 2025 | -2.57 |
| Dec 31, 2024 | -2.15 |
| Sep 30, 2024 | -1.97 |
| Jun 30, 2024 | -2.05 |
| Mar 31, 2024 | -2.01 |
| Dec 31, 2023 | -2.53 |
| Sep 30, 2023 | -2.61 |
| Jun 30, 2023 | -3.13 |
| Mar 31, 2023 | -5.00 |
| Dec 31, 2022 | -12.47 |
| Sep 30, 2022 | -15.39 |
| Jun 30, 2022 | -14.89 |
| Mar 31, 2022 | -13.81 |
| Dec 31, 2021 | -14.90 |
| Sep 30, 2021 | -13.99 |
| Jun 30, 2021 | -12.82 |