Bank of The James Financial Group Inc (BOTJ)
Bank of The James Financial Group Inc brought in $4.5M of revenue over the twelve months to June 30, 2026, up 10.9% from a year earlier. Net income was $11.5M, a net margin of 257.6%. Operating cash flow minus capital spending left $10.5M of free cash flow in fiscal 2025. At June 30, 2026 it held $35.5M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 12, 2026.
Key facts about Bank of The James Financial Group Inc
- Net worth
- Bank of The James Financial Group Inc has a market value (market cap) of $112.6M at the latest share price, and shareholders' equity of $83.2M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $11.7M of cash; after $1.2M of capital spending, free cash flow was $10.5M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 12, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- Bank of The James Financial Group Inc's next report is expected around February 3, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Bank of The James Financial Group Inc declared dividends of $0.40 per share in fiscal 2025, a yield of 1.61% at the current price.
What Bank of The James Financial Group Inc does
Bank of The James Financial Group Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker BOTJ.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $4.3M | $9M | $1.99 | $10.5M |
| 2024 | $4M | $7.9M | $1.75 | $6M |
| 2023 | $3.9M | $8.7M | $1.91 | $7.9M |
| 2022 | $3.6M | $9M | $1.91 | $8.1M |
| 2021 | $2.5M | $7.6M | $1.60 | $13.4M |
| 2020 | $2M | $5M | $1.04 | $3.4M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where BOTJ ranks in Finance
Dividends
Bank of The James Financial Group Inc declared $0.40 per share in fiscal 2025. At the current price that is a yield of 1.61%. It paid out $1.8M in cash dividends, 20% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.40 | $1.8M | 20% |
| 2024 | $0.40 | $1.8M | 23% |
| 2023 | $0.32 | $1.5M | 17% |
| 2022 | $0.29 | $1.4M | 15% |
| 2021 | $0.28 | $1.3M | 17% |
| 2020 | $0.28 | $1.2M | 24% |
Latest SEC filings
What Bank of The James Financial Group Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 30, 2026
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 12, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 18% to $1.1M versus the same quarter last year; diluted EPS $0.71 versus $0.60.
- July 30, 2026
- May 20, 2026
- May 15, 2026Passive stake changed SCHEDULE 13G/A
- May 15, 2026Passive stake changed SCHEDULE 13G/A
- May 12, 2026Quarterly report 10-Q · period to March 31, 2026Revenue rose 1.3% to $994K versus the same quarter last year; diluted EPS $0.61 versus $0.19.
- April 30, 2026
- April 6, 2026
What is BOTJ worth? A DCF from its reported cash flow
Insider trades
What the people running Bank of The James Financial Group Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $17K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 6, 2026 | Bryant William C IIIDirector | Bought | 707 | $17K |
| August 10, 2026 | Addison Lewis CDirector | Bought | 70 | $1.9K |
| August 7, 2026 | Syrek Michael APresident - Bank of the James | Bought | 100 | $2.7K |
| August 6, 2026 | Bryant William C IIIDirector | Bought | 650 | $17.6K |
| August 6, 2026 | Foster Watt R JrDirector | Bought | 447 | $12.5K |
| May 7, 2026 | Jamerson Phillip CDirector | Bought | 1,000 | $23.4K |
| May 7, 2026 | Addison Lewis CDirector | Bought | 82 | $1.9K |
| May 6, 2026 | Bryant William C IIIDirector | Bought | 1,043 | $24.1K |
Who owns BOTJ
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Fourthstone LLC13G, passive with 5 related filers | 7.36% | August 14, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 45 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Fourthstone LLC | 334,491 | -51,007 |
| Pettyjohn, Wood & White, Inc | 218,859 | -5,400 |
| Vanguard Capital Management LLC | 159,256 | -516 |
| Captrust Financial Advisors | 143,977 | -3,333 |
| Daytona Street Capital LLC | 79,078 | -78,045 |
| North Reef Capital Management LP | 50,132 | new |
| Geode Capital Management, LLC | 42,202 | +6,747 |
| Bridgeway Capital Management, LLC | 37,682 | +1,444 |
| Dimensional Fund Advisors LP | 37,178 | +3,720 |
| Susquehanna International Group, Llp | 35,058 | new |
| Renaissance Technologies LLC | 30,177 | new |
| Empowered Funds, LLC | 24,682 | +1,444 |
| BlackRock, Inc. | 24,219 | +13,422 |
| Vanguard Fiduciary Trust Co | 23,976 | -1,861 |
| First Manhattan Co. LLC. | 22,311 | 0 |
| LPL Financial LLC | 19,054 | +4,734 |
| Krilogy Financial LLC | 18,900 | -10,000 |
| Hillsdale Investment Management Inc. | 17,000 | new |
| MontVue Capital Management, Inc. | 13,297 | +770 |
| RFG - Bristol Wealth Advisors, LLC | 11,391 | +47 |
Insiders
6 insiders reported holding 381,232 shares in total, about $9.5M at the last price.
| Holder | Shares |
|---|---|
| Foster Watt R JrDirector | 126,360 |
| Chapman Robert RPresident, Director | 124,118 |
| Bryant William C IIIDirector | 79,073 |
| Addison Lewis CDirector | 19,791 |
| Jamerson Phillip CDirector | 18,190 |
| Syrek Michael APresident - Bank of the James | 13,700 |
Questions about BOTJ
What does Bank of The James Financial Group Inc do?
Bank of The James Financial Group Inc is a company in the Finance sector, listed on NASDAQ as BOTJ. Its shares trade on NASDAQ under the ticker BOTJ.
What is Bank of The James Financial Group Inc's net worth?
Bank of The James Financial Group Inc has a market value (market cap) of $112.6M at the latest share price, and shareholders' equity of $83.2M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Bank of The James Financial Group Inc profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $11.5M on revenue of $4.5M, a net margin of 257.6%.
How much revenue does Bank of The James Financial Group Inc make?
Over the twelve months to June 30, 2026 Bank of The James Financial Group Inc reported revenue of $4.5M. That is 10.9% more than a year earlier.
When did Bank of The James Financial Group Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 12, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the insider trade from November 9, 2026.
When is Bank of The James Financial Group Inc's next earnings report?
Bank of The James Financial Group Inc's next report is expected around February 3, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Bank of The James Financial Group Inc pay a dividend?
Yes. Bank of The James Financial Group Inc declared dividends of $0.40 per share in fiscal 2025, a yield of 1.61% at the current price.
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Where the numbers come from
Financial figures are the values Bank of The James Financial Group Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.