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

Bank of the James Financial Group (BOTJ) stock has experienced a price change of -4.1% over the past six months. The company reported increased profit and revenue for the fourth quarter of 2025. J. Todd Scruggs retired as co-founder and director, and a new Chief Financial Officer was appointed.

Bank of the James Financial Group, Inc. likely experiences demand seasonality for certain products and services, similar to trends in the banking industry. Individual retirement accounts often see strong sales in March, April, November, and December. Demand for loan and deposit products may exhibit seasonal patterns tied to economic cycles and consumer financial planning habits.

Bank of the James Financial Group, Inc. is a bank holding company offering retail and commercial banking services. It provides deposit accounts, diverse lending services, and specializes in construction and real estate loans. The company also offers mortgage brokerage, investment advisory, and insurance services, along with additional banking services like safe deposit boxes and online banking.

Bank of the James Financial Group, Inc. primarily serves Central Virginia, including the Lynchburg metropolitan area and other markets such as Blacksburg and Roanoke. It operates through 16 full-service offices and 2 limited-service offices.

Bank of the James Financial Group, Inc. maintains a brand reputation as a community-focused financial institution, emphasizing customer service and ethical conduct. The bank supports over 250 local organizations and events, focusing on youth enrichment, health, and arts.

Bank of the James Financial Group, Inc. has 48 institutional owners and shareholders, including Fourthstone LLC and Vanguard Group Inc. Major individual insider owners include James F. Daly and Watt R. Foster Jr. Institutional shareholders hold 25.14% of the stock, insiders hold 22.43%, and retail investors hold 52.43%.