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

Over the past six months, Bank of the James Financial Group, Inc. experienced a stock price increase of 29.89%. The company announced the retirement of co-founder and director J. Todd Scruggs on January 9, 2026. A CFO-CIO transition was announced on October 30, 2025, along with the appointment of a new Chief Financial Officer. The company reported a record Q3 2025 EPS of $0.61 and nine-month net interest income of $24.27 million. An ex-dividend date for a $0.10 dividend was set for November 21, 2025, with a payment date of December 5, 2025. BOTJ reported strong Q2 2025 financial results, with net income of $2.70 million ($0.60 per share), an increase from $2.15 million in Q2 2024; the net interest margin rose to 3.45%, and total assets reached $1.004 billion; the company also successfully retired $10 million in capital notes.

The banking industry, including Bank of the James Financial Group, Inc., generally experiences seasonality in loan demand, typically peaking in the spring and summer months and declining in December, January, and February. Changes in interest rates are a primary driver of loan demand, and construction lending has historically shown project seasonality.

Bank of the James Financial Group, Inc. operates in the Financial Services sector, specifically in the Regional Banks industry, providing retail and commercial banking services to individuals, small and medium-sized businesses, and professionals. The company offers deposit services such as checking, savings, money market, and retirement accounts, as well as lending services including commercial, consumer, mortgage, and home equity loans. Additionally, it provides wealth management and investment services through BOTJ Investment Services and Pettyjohn, Wood & White, Inc., along with insurance products via BOTJ Insurance, Inc. Other services include online and mobile banking, financial counseling, and treasury management.

Bank of the James Financial Group, Inc. primarily serves the Central Virginia area. The company operates through 16 full-service branches with 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 strong brand reputation as a community-focused institution, building lasting relationships through exceptional customer service, innovative financial solutions, and a commitment to integrity and ethical conduct. Founded in 1999, the bank emphasizes local decision-making and community support. In 2024, Bank of the James Financial Group was ranked as the #2 Community Bank in Virginia in its asset category.

Bank of the James Financial Group, Inc. is owned by a mix of retail investors (52.43%), institutional shareholders (25.14%), and insiders (22.43%). Major institutional owners include Fourthstone LLC, Pettyjohn, Wood & White, Inc., and Vanguard Group Inc. The largest individual shareholder is James F. Daly, owning 3.17% of the company.