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

Over the past six months, Bank of the James Financial Group, Inc.'s stock has outperformed the S&P500 Index by +38.05%. As of April 2, 2026, the share price was $21.10, trading +24.44% higher than its 200-day moving average, with a 52.46% increase from April 7, 2025, to April 2, 2026. Key events include a dividend payment of $0.10 on March 6, 2026, earnings releases for Q4 and full year 2025 on February 4, 2026, and upcoming releases for Q1 2026 on May 4, 2026, and Q2 2026 on August 7, 2026. A director, Addison, purchased 113 shares of common stock on November 19, 2025. J. Todd Scruggs, co-founder and director, retired on January 9, 2026. A CFO–CIO transition was announced on October 30, 2025. The company surpassed $1 billion in total assets as of March 29, 2026, representing a 6.1% increase from the previous year, driven by loan growth.

Based on the available information, there is no explicit mention or indication of significant demand seasonality for Bank of the James Financial Group, Inc.'s products and services. The company provides general retail and commercial banking services, loans, and investment products, which typically experience relatively stable demand throughout the year, although specific loan types can be influenced by interest rate fluctuations and housing market trends.

Bank of the James Financial Group, Inc. is a bank holding company operating as a full-service commercial and retail community bank in the financial sector, specifically under state commercial banks. It offers a range of financial products and services, including personal, business, and online banking, loans, and investment services, operating through Community Banking, Mortgage Banking, and Investment Advisory segments. The company provides loans, deposits, investments, and insurance to retail and commercial customers through its Community Banking segment. The Mortgage Banking segment specializes in mortgage loan products. Investment advisory, financial planning, securities brokerage, and insurance and annuity products are offered through BOTJ Investment Services, BOTJ Insurance, Inc., and Pettyjohn, Wood & White, Inc. Lending services include commercial business loans, construction and development loans, commercial real estate mortgage loans, and consumer loans.

Bank of the James Financial Group, Inc. serves individuals, small and medium-sized businesses, and professionals in Central and Western Virginia. The company operates through 19 full-service offices, two limited-service offices, and two residential mortgage loan production offices across various locations in Virginia, including Altavista, Amherst, Appomattox, Bedford, Blacksburg, Buchanan, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Nellysford, Roanoke, Rustburg, and Wytheville. Its headquarters are located in Lynchburg, Virginia.

Bank of the James Financial Group, Inc. maintains a strong brand reputation as a locally owned community bank and partner. Founded in 1999, it focuses on superior customer service and community contribution, with annual reports scoring 4.8 out of 5.0 based on 79 reviews. Positive events include community partnerships and sponsorships with organizations like Loaves and Fishes Food Pantry and MidAtlantic Printing, educational institutions such as Longwood University, and James Madison University Athletics. Surpassing $1 billion in total assets in 2025 demonstrates solid growth and financial health. In 2024, the company was ranked as the #2 Community Bank in Virginia in its asset category and marked 25 years in business. No negative events affecting the company's reputation were found.

Bank of the James Financial Group, Inc. has a diverse ownership structure with 27 institutional owners and shareholders holding 1,295,902 shares as of April 10, 2026. Major institutional owners 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, Empowered Funds, LLC, BlackRock, Inc., and MontVue Capital Management, Inc. The general public holds approximately 55% of the shares, followed by institutions at 22%, individual insiders at 14.1%, hedge funds at 7.09%, and private companies at 1.82%.