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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) Times Interest Earned (2017 - 2025)

Bank Of The James Financial's Times Interest Earned history spans 9 years, with the latest figure at -$2.3 for Q4 2025.

  • For Q4 2025, Times Interest Earned 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.
  • Times Interest Earned reached -$2.3 in Q4 2025 per BOTJ's latest filing, up from -$2.38 in the prior quarter.
  • In the past five years, Times Interest Earned ranged from a high of -$1.95 in Q3 2024 to a low of -$15.68 in Q4 2021.
  • Average Times Interest Earned over 5 years is -$7.04, with a median of -$2.93 recorded in 2023.
  • Peak YoY movement for Times Interest Earned: tumbled 147.73% in 2021, then surged 82.84% in 2023.
  • A 5-year view of Times Interest Earned 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 Times Interest Earned are -$2.3 (Q4 2025), -$2.38 (Q3 2025), and -$2.57 (Q2 2025).