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as of 03-20-2026 3:58pm EST
Bank of the James Financial Group Inc is a bank holding company that provides retail and commercial banking, deposit services, lending services, mortgage brokerage services, and other banking services. The company provides a range of deposit services including checking accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. It offers various types of secured and unsecured consumer loans, including personal loans, lines of credit, overdraft lines of credit, automobile loans, installment loans, demand loans, and home equity loans. It operates three business segments community banking; mortgage banking, and investment advisory services.
| Founded: | 1998 | Country: | United States |
| Employees: | N/A | City: | LYNCHBURG |
| Market Cap: | 90.4M | IPO Year: | 2015 |
| Target Price: | N/A | AVG Volume (30 days): | 4.0K |
| Analyst Decision: | N/A | Number of Analysts: | N/A |
| Dividend Yield: | Dividend Payout Frequency: | monthly | |
| EPS: | 1.39 | EPS Growth: | -8.38 |
| 52 Week Low/High: | $13.03 - $21.49 | Next Earning Date: | 04-29-2026 |
| Revenue: | $4,003,000 | Revenue Growth: | 2.61% |
| Revenue Growth (this year): | N/A | Revenue Growth (next year): | N/A |
| P/E Ratio: | 15.11 | Index: | N/A |
| Free Cash Flow: | 6.0M | FCF Growth: | N/A |
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Stock Insider Trading Activity of Bank of the James Financial Group Inc. (BOTJ)
President
Avg Cost/Share
$20.89
Shares
1,200
Total Value
$25,068.00
Owned After
124,118
SEC Form 4
Director
Avg Cost/Share
$20.82
Shares
600
Total Value
$12,492.00
Owned After
76,673
SEC Form 4
Director
Avg Cost/Share
$20.00
Shares
396
Total Value
$7,920.00
Owned After
76,673
SEC Form 4
Director
Avg Cost/Share
$20.50
Shares
93
Total Value
$1,906.50
Owned After
19,639
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| CHAPMAN ROBERT R | BOTJ | President | Feb 20, 2026 | Buy | $20.89 | 1,200 | $25,068.00 | 124,118 | |
| BRYANT WILLIAM C III | BOTJ | Director | Feb 19, 2026 | Buy | $20.82 | 600 | $12,492.00 | 76,673 | |
| BRYANT WILLIAM C III | BOTJ | Director | Feb 12, 2026 | Buy | $20.00 | 396 | $7,920.00 | 76,673 | |
| ADDISON LEWIS C | BOTJ | Director | Feb 10, 2026 | Buy | $20.50 | 93 | $1,906.50 | 19,639 |
Earnings Transcripts
SEC 8-K filings with transcript text
2025 Q4 Q4 2025 Earnings
8-K BUY Feb 4, 2026 · 100% conf.
Q4 2025 Earnings
8-K BUYFeb 4, 2026 · 100% conf.
1D
+1.11%
$20.69
Act: +2.59%
5D
+3.13%
$21.10
Act: -2.15%
20D
+6.55%
$21.80
Act: -2.98%
botj-20260204x8k
false000127510100012751012026-02-042026-02-04
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported): February 4, 2026
BANK OF THE JAMES FINANCIAL GROUP, INC.
(Exact Name of Registrant as Specified in Its Charter)
Virginia 001-35402 20-0500300
(State or other jurisdiction of incorporation or organization) (Commission File Number) (IRS Employer Identification No.)
828 Main Street, Lynchburg, VA
24504
(Address of Principal Executive Offices)
(Zip code)
Registrant’s telephone number, including area code
(434) 846-2000
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class
Trading Symbol(s)
Name of Each Exchange on Which Registered
Common Stock, $2.14 par value
BOTJ
The NASDAQ Capital Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 - Results of Operations and Financial Condition On Wednesday, February 4, 2026, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three and twelve months ended December 31, 2025 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1. Item 9.01 - Financial Statements and Exhibits (a) Financial statements of businesses acquired – not applicable (b) Pro forma financial information – not applicable (c) Shell company transactions – not applicable (d) Exhibits
Exhibit No. Exhibit Description
99.1 Bank of the James Financial Group, Inc. Press Release February 4, 2026
104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL
2
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: February 4, 2026
BANK OF THE JAMES FINANCIAL GROUP, INC.
By /s/ Eric J. Sorenson, Jr. Eric J. Sorenson, Jr. Secretary-Treasurer
3
2025 Q3 Q3 2025 Earnings
8-K Oct 30, 2025
Q3 2025 Earnings
8-KOct 30, 2025
botj-20251028x8k
false000127510100012751012025-10-282025-10-28
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported): October 28, 2025
BANK OF THE JAMES FINANCIAL GROUP, INC.
(Exact Name of Registrant as Specified in Its Charter)
Virginia 001-35402 20-0500300
(State or other jurisdiction of incorporation or organization) (Commission File Number) (IRS Employer Identification No.)
828 Main Street, Lynchburg, VA
24504
(Address of Principal Executive Offices)
(Zip code)
Registrant’s telephone number, including area code
(434) 846-2000
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class
Trading Symbol(s)
Name of Each Exchange on Which Registered
Common Stock, $2.14 par value
BOTJ
The NASDAQ Capital Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 - Results of Operations and Financial Condition On Thursday, October 30, 2025, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three and nine months ended September 30, 2025 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1. Item 8.01 - Other Events On October 28, 2025, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about December 5, 2025 to stockholders of record as of the close of business on November 21, 2025. Item 9.01 - Financial Statements and Exhibits (a) Financial statements of businesses acquired – not applicable (b) Pro forma financial information – not applicable (c) Shell company transactions – not applicable (d) Exhibits
Exhibit No. Exhibit Description
99.1 Bank of the James Financial Group, Inc. Press Release October 30, 2025
104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL
2
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: October 30, 2025
BANK OF THE JAMES FINANCIAL GROUP, INC.
By /s/ J. Todd Scruggs J. Todd Scruggs Secretary-Treasurer
3
2025 Q2 Q2 2025 Earnings
8-K/A Aug 5, 2025
Q2 2025 Earnings
8-K/AAug 5, 2025
botj-20250804x8ka
false000127510100012751012025-08-042025-08-04
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K/A
Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported): August 4, 2025
BANK OF THE JAMES FINANCIAL GROUP, INC.
(Exact Name of Registrant as Specified in Its Charter)
Virginia 001-35402 20-0500300
(State or other jurisdiction of incorporation or organization) (Commission File Number) (IRS Employer Identification No.)
828 Main Street, Lynchburg, VA
24504
(Address of Principal Executive Offices)
(Zip code)
Registrant’s telephone number, including area code
(434) 846-2000
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class
Trading Symbol(s)
Name of Each Exchange on Which Registered
Common Stock, $2.14 par value
BOTJ
The NASDAQ Capital Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
This Amendment on Form 8-K/A (this “Form 8-K/A”) amends the Current Report on Form 8-K of Bank of the James Financial Group, Inc. (the “Company”), dated August 4, 2025 (the “Original Report”). Specifically, this Amendment revises Item 2.02 of the Original Report solely to correct inadvertent typographical errors in the press release furnished as Exhibit 99.1 thereto. In the tenth bullet point under the heading “Second Quarter, First Half of 2025 Highlights”, and in the first paragraph under the heading “Balance Sheet: Strong Cash Position, High Asset Quality”, total assets were stated to be $1.04 billion. The correct figure is $1.004 billion. In the second paragraph under the heading “Balance Sheet: Strong Cash Position, High Asset Quality,” the Company inadvertently omitted the word “millions” following two references to loan balances. A corrected version of the press release correcting the typographical errors is furnished as Exhibit 99.1 to this Form 8-K/A. Except as described above, no other changes have been made to the Original Report. Capitalized terms used but not defined herein shall have the meanings assigned to them in the Original Report. Item 2.02 - Results of Operations and Financial Condition On Monday, August 4, 2025, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three and six months ended June 30, 2025 (the “Press Release”). A corrected version of this Press Release is attached hereto as Exhibit 99.1. Item 9.01 - Financial Statements and Exhibits (a) Financial statements of businesses acquired – not applicable (b) Pro forma financial information – not applicable (c) Shell company transactions – not applicable (d) Exhibits
Exhibit No. Exhibit Description
99.1 Bank of the James Financial Group, Inc. Press Release August 4, 2025. (corrected)
104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL
2
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: August 5, 2025
BANK OF THE JAMES FINANCIAL GROUP, INC.
By /s/ J. Todd Scruggs J. Todd Scruggs Secretary-Treasurer
3
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The information presented on this page, "BOTJ Bank of the James Financial Group Inc. - Stocks Price | History | Analysis", including historical data, forecasts, news, insider information, and predictions, is provided for educational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any securities. Decisions regarding investments should be made only after careful consideration and consultation with a qualified financial advisor. We do not endorse or guarantee the accuracy or reliability of the information provided, and we disclaim any liability for financial losses incurred as a result of decisions made based on the information presented.