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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) Net Margin (2017 - 2025)

Bank Of The James Financial's Net Margin history spans 9 years, with the latest figure at 214.24% for Q4 2025.

  • For Q4 2025, Net Margin rose 6084.0% year-over-year to 214.24%; the TTM value through Dec 2025 reached 211.12%, up 1199.0%, while the annual FY2025 figure was 211.14%, 1199.0% up from the prior year.
  • Net Margin reached 214.24% in Q4 2025 per BOTJ's latest filing, down from 263.1% in the prior quarter.
  • In the past five years, Net Margin ranged from a high of 361.32% in Q1 2022 to a low of 85.83% in Q1 2025.
  • Average Net Margin over 5 years is 242.74%, with a median of 224.65% recorded in 2023.
  • Peak YoY movement for Net Margin: skyrocketed 15644bps in 2021, then tumbled -15949bps in 2023.
  • A 5-year view of Net Margin shows it stood at 268.25% in 2021, then fell by -29bps to 190.08% in 2022, then increased by 16bps to 219.81% in 2023, then tumbled by -30bps to 153.4% in 2024, then skyrocketed by 40bps to 214.24% in 2025.
  • Per Business Quant, the three most recent readings for BOTJ's Net Margin are 214.24% (Q4 2025), 263.1% (Q3 2025), and 277.33% (Q2 2025).