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

Bank of the James Financial Group, Inc. stock has shown positive movement over the past six months, with reported increases of +18.45% and +24.77%, while another source indicated a -4.1% change. Key events impacting the stock include the announcement of third quarter and first nine months of 2025 financial results, which reported record quarterly earnings and margin expansion. There was also a CFO–CIO transition and appointment of a new Chief Financial Officer. The second quarter and first half of 2025 financial results reported strong results with increased net income and improved performance. The first quarter of 2025 financial results showed solid earnings from core operations, though negatively impacted by a non-recurring consultant expense. The company announced quarterly dividends of $0.10 per common share. Insiders have bought more shares than they have sold in the past three months.

Specific information regarding demand seasonality for all of Bank of the James Financial Group's products and services is not readily available. Demand for mortgage loan originations can be impacted by rising interest rates. The bank's strategy to sell the majority of originated mortgage loans to the secondary market suggests an awareness of market fluctuations.

Bank of the James Financial Group, Inc. is a bank holding company for Bank of the James, a full-service commercial and retail bank operating in the Financials sector and Regional Banks industry. It offers personal, business, and online banking, various loans, and investments. Through its divisions and subsidiaries, it provides mortgage loan origination, investment and insurance services, and investment advisory services.

Bank of the James primarily serves individuals, small and medium-sized businesses, and professionals in the Central Virginia area. The bank operates from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Buchanan, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Nellysford, Roanoke, Rustburg, and Wytheville, Virginia.

Bank of the James Financial Group, Inc. maintains a positive brand reputation, built on its commitment to community banking and personalized service. The bank aims to be the preeminent financial institution in the communities it serves. In 2024, the company was ranked as the #2 Community Bank in Virginia within its asset category. The bank actively engages in community support, sponsoring 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. is owned by a mix of institutional shareholders, insiders, and retail investors. Institutional shareholders hold 23.02% of the stock, insiders hold 22.39%, and retail investors hold 54.58%. Major institutional owners include Fourthstone LLC, Pettyjohn, Wood & White, Inc., Vanguard Group Inc, Captrust Financial Advisors, VTSMX - Vanguard Total Stock Market Index Fund Investor Shares, VEXMX - Vanguard Extended Market Index Fund Investor Shares, Geode Capital Management, Llc, Bridgeway Capital Management Inc, Krilogy Financial LLC, and Dimensional Fund Advisors Lp. The largest individual shareholder is James F. Daly, owning 144,202 shares, representing 3.17% of the company.