Welcome to our dedicated page for Bank Of The James Finl Gp SEC filings (Ticker: BOTJ), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Bank of the James Financial Group, Inc. (NASDAQ: BOTJ) files periodic and current reports with the U.S. Securities and Exchange Commission as a publicly traded financial holding company. Through this SEC filings page, readers can review the company’s Form 10-K annual reports, Form 10-Q quarterly reports, and Form 8-K current reports, along with other required disclosures. These documents provide detail on the company’s commercial and retail banking operations through Bank of the James, its mortgage banking activities, and its investment advisory services through Pettyjohn, Wood & White, Inc.
In its periodic reports, Bank of the James Financial Group, Inc. discusses loan portfolio composition (including commercial real estate, construction, commercial and industrial, residential mortgage, and consumer loans), deposit structure (core deposits and time deposits), net interest income and margin, noninterest income sources such as commercial treasury services and wealth management fees, and asset quality indicators like nonperforming loan ratios and allowance for credit losses. These filings also describe liquidity, capital levels, and funding arrangements, including secured notes and capital notes referenced in Form 8-K disclosures.
Current reports on Form 8-K for BOTJ document material events such as leadership transitions, dividend declarations, and financing modifications. For example, one 8-K describes a transition in which the long-serving Chief Financial Officer moves to a Chief Investment Officer role and a new Chief Financial Officer is appointed, while another 8-K outlines a modification to a secured promissory note used in part to finance the acquisition of the company’s investment advisory subsidiary. Additional 8-K filings report quarterly dividend decisions by the Board of Directors and the release of earnings announcements.
On Stock Titan, these SEC filings are paired with AI-powered summaries that highlight key points from lengthy documents, helping readers quickly identify information on earnings, capital and liquidity, loan performance, and governance changes. Users can also access Form 4 insider transaction reports when available, alongside 10-K and 10-Q filings, with AI-generated explanations that clarify complex accounting and regulatory language. This makes it easier to understand how Bank of the James Financial Group, Inc. reports its financial condition, risk management, and strategic developments over time.
Bank of the James Financial Group, Inc. reported much stronger first quarter 2026 results, with net income of $2.77 million, or $0.61 per share, up sharply from $0.19 a year earlier. Revenue, defined as net interest income plus noninterest income, grew 15.40% year over year while noninterest expense declined 4.69%, improving the efficiency ratio to 73.75% from 89.31%.
Return on average assets reached 1.07% and return on average equity was 13.87%. Asset quality remained solid, with nonperforming loans of $1.45 million, or 0.22% of total loans, and total deposits rose to $956.55 million. The board also declared a quarterly cash dividend of $0.10 per share, payable on or about June 5, 2026 to shareholders of record on May 22, 2026.
Bank of the James Financial Group, Inc. will hold its 2026 Annual Meeting of Shareholders virtually on May 19, 2026 at 1:00 p.m. Eastern Time. Shareholders of record as of March 23, 2026, holding 4,543,338 outstanding common shares, may vote online, by phone, by mail, or during the meeting.
Owners will vote on electing four Group Two directors through 2029, ratifying Elliott Davis as independent auditor for 2026, and approving an advisory “say-on-pay” resolution on executive compensation. Directors and executive officers as a group beneficially owned 542,017 shares, or about 11.93% of common stock as of the record date.
The proxy describes board structure, committee membership, insider trading and clawback policies, director fees, and detailed executive pay, including salary continuation arrangements and a corrected presentation of prior-year compensation table amounts. It also shows 2025 net income of $9.0 million and rising cumulative total shareholder return since 2023.
Bank of the James Financial Group, Inc., a Virginia-based community bank holding company, outlines its operations, regulation and key risks in its annual report. The company serves central and western Virginia through 19 full-service offices plus additional limited-service and mortgage locations, focusing on retail and commercial banking.
It supplements core banking with mortgage brokerage, securities brokerage, insurance agency services and SEC‑registered investment advisory subsidiary PWW, which managed about $1.03 billion of client assets and generated roughly 11% of 2025 revenue. The filing details extensive federal and state regulation, capital requirements and deposit insurance.
Major risks center on local economic conditions, heavy real estate and commercial real estate lending, concentration in small and mid-sized business borrowers, credit losses under the CECL standard, interest rate volatility, competition from larger banks and fintechs, cybersecurity threats, technology dependence, regulatory changes and the need to retain key personnel and culture.
BANK OF THE JAMES FINANCIAL GROUP INC President and director Robert R. Chapman reported an open-market purchase of 1,200 shares of common stock at $20.89 per share. Following this transaction, his directly held stake increased to 124,118 shares.
Bank of the James Financial Group director William C. Bryant III reported two open-market purchases of the company’s common stock. On February 19, 2026, he bought 600 shares at $20.82 per share, and on February 12, 2026, he bought 396 shares at $20.00 per share. After these transactions, he directly owned 76,673 shares of common stock.
Bank of the James Financial Group Inc. received a Schedule 13G reporting that investment adviser Fourthstone LLC and related funds beneficially own 321,908 shares of its common stock, representing 7.09% of the class as of the filing’s reference base.
The ownership percentages are calculated using 4,543,338 common shares outstanding as of November 13, 2025, as disclosed in the company’s 10-Q. The filing states the shares were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of the company.
Bank of the James Financial Group director Lewis C. Addison made an open-market purchase of common stock. On February 10, 2026, he bought 93 shares of common stock at $20.50 per share, bringing his directly held stake to 19,639 shares.
Bank of the James Financial Group, Inc. filed a current report to note that it has released its financial results. The company issued a press release covering its performance for the three and twelve months ended December 31, 2025, and attached that release as an exhibit to this report.
Bank of the James Financial Group, Inc. declared a quarterly cash dividend of $0.10 per share on its common stock. The dividend is scheduled to be paid on or about March 6, 2026 to stockholders who are on record as of February 17, 2026.