Bank of the James Financial Group, Inc. (BOTJ)

Bank of the James Financial Group, Inc. has experienced a stock price increase of 59.36% over the past six months. As of March 27, 2026, the stock price had increased by 41.72% over the last 12 months and 12.60% over the past three months. The company announced a quarterly dividend and increased it by 25% in 2024. Recent news includes the announcement of fourth-quarter and full-year 2025 financial results on February 4, 2026, the retirement of co-founder and director J. Todd Scruggs on January 9, 2026, director stock purchases in November 2025, and a CFO–CIO transition with the appointment of a new Chief Financial Officer on October 30, 2025.

Demand for the company's products and services, particularly residential mortgage originations, is influenced by economic factors such as interest rates. Rising interest rates impact mortgage demand. Demand for commercial real estate (CRE) and commercial and industrial (C&I) loans is anticipated to increase with cheaper capital and is subject to seasonal economic cycles.

Bank of the James Financial Group, Inc. is a Virginia-based bank holding company offering retail and commercial banking services. It provides personal and business banking, loans, and investment opportunities. Subsidiaries include Bank of the James Mortgage, BOTJ Insurance, Inc., and Pettyjohn, Wood & White, Inc. (PWW), which manages approximately $1.03 billion of client assets and contributed roughly 11% of the company's 2025 revenue.

The company's primary market area is Central and Western Virginia, serving individuals, small and medium-sized businesses, and professionals from 19 full-service offices, two limited-service offices, and two residential mortgage loan production offices. Key locations include Altavista, Amherst, Appomattox, Bedford, Blacksburg, Buchanan, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Nellysford, Roanoke, Rustburg, and Wytheville.

Bank of the James Financial Group, Inc. maintains a positive brand reputation, evidenced by an aggregate usefulness score of 4.8 out of 5.0 based on 79 reviews. Founded in 1999, the bank is committed to providing local service and actively engages in community giving, supporting over 250 civic organizations, non-profits, and community events, with a focus on youth enrichment and education, health and human services, and arts and culture.

Bank of the James Financial Group, Inc. has 41 institutional owners and shareholders holding a total of 1,308,611 shares. Major institutional shareholders include Fourthstone LLC, Pettyjohn, Wood & White, Inc., Vanguard Group Inc, Daytona Street Capital LLC, Captrust Financial Advisors, Geode Capital Management, Llc, Bridgeway Capital Management Inc, Dimensional Fund Advisors Lp, Krilogy Financial LLC, and Empowered Funds, LLC. Institutional ownership accounts for 27.89% of shares, while individual insiders hold 14.1% and the general public holds 55%.