BANK OF THE JAMES FINANCIAL GROUP INC

BOTJ

BANK OF THE JAMES FINANCIAL GROUP INC

BOTJ

Insider Sentiment (TTM):

Last Purchase:2026-05-07Last Sale:-Shares Purchased (TTM):8,375.35Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:1,045,666Shares Outstanding:4,543,338Institutional Ownership Pct.:23.02%

Earnings Market Reaction:

Filing Date:2026-05-12Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in State Commercial Banks

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Assets
Cash And Due From Banks	25	29	28	23	26	23	23	23	25	26	20	22
Federal Funds Sold	63	56	57	55	69	50	87	52	63	49	79	51
Cash Cash Equivalents And Federal Funds Sold	88	84	85	78	95	73	109	75	88	75	100	74
Held To Maturity Securities	4	4	4	4	4	4	4	4	4	4	4	4
Debt Securities Available For Sale And Held To Mat…	-	-	-	-	-	-	-	-	-	-	-	187
Available For Sale Securities Debt Securities	245	214	203	197	193	188	192	206	215	217	182	-
Restricted Investments	2	2	2	2	2	2	2	2	2	2	2	1
Notes Receivable Net	-	-	-	-	-	-	-	-	-	-	-	610
Financing Receivable Excluding Accrued Interest Af…	649	661	653	649	642	637	627	637	601	602	600	-
Loans Held For Sale Fair Value Disclosure	3	3	4	4	5	4	3	5	5	1	3	6
Property Plant And Equipment Net	19	19	19	19	19	19	19	18	18	18	18	18
Interest Receivable	3	3	3	3	3	3	3	3	3	3	3	3
Bank Owned Life Insurance	24	24	23	23	23	23	23	23	22	22	21	21
Real Estate Acquired Through Foreclosure	-	-	-	-	-	-	-	-	-	-	-	1
Finite Lived Intangible Assets Net	6	6	6	6	7	7	7	7	7	7	7	7
Other Real Estate	-	-	-	-	-	-	-	-	-	0	0	-
Goodwill	2	2	2	2	2	2	2	2	2	2	2	2
Deferred Income Tax Assets Net	-	-	-	8	-	-	-	-	-	-	-	-
Other Assets	17	16	16	9	17	18	17	19	18	18	19	18
Assets	1,061	1,039	1,020	1,004	1,012	979	1,008	978	985	969	961	951
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities	145	131	133	138	139	130	132	136	144	134	155	151
Deposits Negotiable Order Of Withdrawal N O W	577	570	548	544	560	522	541	521	530	538	525	526
Time Deposits	235	235	239	229	213	231	234	228	219	206	201	190
Deposits	957	937	920	911	912	882	907	882	893	878	880	867
Notes Payable	-	-	-	-	10	10	10	10	10	10	10	10
Other Borrowings	9	9	9	9	9	9	9	10	10	10	10	10
Taxes Payable Current And Noncurrent	-	-	-	0	-	-	-	-	-	-	-	-
Interest Payable Current And Noncurrent	1	1	1	1	1	1	1	1	1	0	0	0
Other Liabilities	13	12	13	12	12	12	11	11	11	10	10	11
Liabilities	980	959	943	933	943	914	939	916	924	909	911	898
Stockholders Equity
Common Stock Value	10	10	10	10	10	10	10	10	10	10	10	10
Additional Paid In Capital Common Stock	35	35	35	35	35	35	35	35	35	35	35	35
Retained Earnings Accumulated Deficit	52	50	48	45	43	43	42	40	38	37	35	33
Accumulated Other Comprehensive Income Loss Net Of…	-16	-15	-16	-19	-20	-23	-18	-23	-23	-22	-30	-25
Stockholders Equity	81	80	77	72	68	65	69	62	60	60	50	53
Liabilities And Stockholders Equity	1,061	1,039	1,020	1,004	1,012	979	1,008	978	985	969	961	951
Held To Maturity Securities Fair Value	3	3	3	-	3	3	3	3	3	3	3	3
Financing Receivable Allowance For Credit Loss Exc…	6	6	6	6	7	7	7	7	7	7	7	8
Common Stock Par Or Stated Value Per Share	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	-	0	0	0	0	0	0	0	0
Financing Receivable Allowance For Credit Losses	-	-	-	-	-	-	-	-	-	-	-	8
Preferred Stock Shares Authorized	-	-	-	-	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	-	-	-	-	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	-	-	-	-	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Shares Issued	5	5	5	5	5	5	5	5	5	5	5	5
Shares Outstanding	5	5	5	5	5	5	5	5	5	5	5	5

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-1.49%	9.97%	-	-	-	-	-	-	-	-	-	-
2025	1.14%	-1.56%	-2.77%	10.25%	12.14%	22.18%	6.56%	10.99%	13.14%	12.18%	10.97%	20.72%
2024	2.75%	4.08%	25.68%	3.08%	4.17%	2.77%	14.08%	8.32%	0.04%	-4.40%	-3.58%	-1.16%
2023	-2.08%	0.87%	19.78%	-1.09%	-3.39%	-9.37%	7.77%	21.78%	22.49%	-5.52%	0.57%	3.91%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-0.60	-0.66	-0.70	-0.71	-0.73	-0.34	0.09	0.75	1.90	2.07	2.49	3.31
Per Share Metrics
Diluted EPS TTM	2.41	1.99	1.74	-	1.45	1.75	1.86	1.88	1.96	1.91	1.88	1.99
Free Cash Flow Per Share TTM	3.14	2.22	2.26	1.89	1.72	1.31	1.73	1.47	0.35	1.74	1.80	2.14
Dividend Per Share TTM	0.40	0.40	0.40	0.40	0.40	0.40	0.38	0.36	0.34	0.32	0.32	0.32
Margin Metrics
Gross Profit Margin TTM	-213.77%	-224.08%	-251.51%	-270.82%	-281.12%	-284.89%	-313.01%	-278.96%	-240.51%	-183.98%	-79.47%	-13.23%
Operating Profit Margin TTM	316.96%	260.82%	238.67%	223.18%	204.42%	247.89%	254.67%	257.02%	272.02%	263.50%	267.58%	261.95%
Net Profit Margin TTM	255.58%	211.14%	194.28%	177.99%	163.71%	198.45%	216.84%	218.38%	230.10%	223.12%	215.37%	211.40%
Growth Metrics
Net Revenue Growth (1Y)	6.33%	6.74%	4.78%	3.02%	4.13%	2.61%	-2.04%	-8.81%	-2.79%	8.63%	21.93%	67.48%
Net Income Growth (1Y)	65.99%	13.57%	-6.12%	-16.03%	-25.91%	-8.73%	-1.37%	-5.80%	1.17%	-2.85%	-3.54%	10.71%
EPS Growth (1Y)	65.99%	13.57%	-6.12%	-16.03%	-25.91%	-8.35%	-1.37%	-5.77%	2.85%	0.04%	-0.56%	15.47%
Valuation Metrics
P/E TTM	8.51	9.27	8.82	8.74	9.89	8.75	7.09	5.71	4.98	5.98	5.17	4.20
P/B TTM	1.15	1.04	0.91	0.87	0.95	1.07	0.87	0.79	0.73	0.87	0.88	0.72
P/S TTM	21.74	19.57	17.14	15.55	16.19	17.37	15.37	12.46	11.45	13.34	11.13	8.88
Market Cap	93.18M	83.64M	69.83M	62.51M	65.25M	69.52M	59.78M	48.62M	44.32M	52.04M	44.17M	38.01M
Enterprise Value	5.19M	-833.64K	-15.62M	-15.40M	-19.67M	6.26M	-39.38M	-15.96M	-33.70M	-12.75M	-45.32M	-25.48M
Calculated Values
Free Cash Flow TTM	14.28M	10.07M	10.27M	8.57M	7.81M	5.96M	7.84M	6.69M	1.58M	7.92M	8.17M	9.71M
Net Debt	-87.99M	-84.48M	-85.45M	-77.91M	-84.92M	-63.26M	-99.16M	-64.58M	-78.03M	-64.80M	-89.49M	-63.49M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-07Purchase

Owner: Jamerson, Phillip C

Title: -

Shares: 1,000

Price/Share: $23.40

Value: $23,400.00

Shares Owned: 18,190

Relationship: Director

Ownership: Direct

2026-05-07Purchase

Owner: Addison, Lewis C

Title: -

Shares: 82

Price/Share: $23.18

Value: $1,900.76

Shares Owned: 19,721

Relationship: Director

Ownership: Direct

2026-05-06Purchase

Owner: Bryant, William C Iii

Title: -

Shares: 1,043

Price/Share: $23.11

Value: $24,103.73

Shares Owned: 77,716

Relationship: Director

Ownership: Direct

2026-02-20Purchase

Owner: Chapman, Robert R

Title: President

Shares: 1,200

Price/Share: $20.89

Value: $25,068.00

Shares Owned: 124,118

Relationship: Director,Officer

Ownership: Direct

2026-02-19Purchase

Owner: Bryant, William C Iii

Title: -

Shares: 600

Price/Share: $20.82

Value: $12,492.00

Shares Owned: 76,673

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-07	Jamerson, Phillip C	Director	-	Direct	Purchase	1,000	23.40	$23,400.00	18,190	4
2026-05-07	Addison, Lewis C	Director	-	Direct	Purchase	82	23.18	$1,900.76	19,721	4
2026-05-06	Bryant, William C Iii	Director	-	Direct	Purchase	1,043	23.11	$24,103.73	77,716	4
2026-02-20	Chapman, Robert R	Director,Officer	President	Direct	Purchase	1,200	20.89	$25,068.00	124,118	4
2026-02-19	Bryant, William C Iii	Director	-	Direct	Purchase	600	20.82	$12,492.00	76,673	4
2026-02-10	Addison, Lewis C	Director	-	Direct	Purchase	93	20.50	$1,906.50	19,639	4
2025-12-08	Sorenson, Eric John Jr	Officer	EVP	Direct	Purchase	60	17.92	$1,081.47	4,350	5
2025-11-25	Jamerson, Phillip C	Director	-	Direct	Purchase	100	17.59	$1,759.00	17,190	4
2025-11-20	Chapman, Robert R	Director,Officer	President	Direct	Purchase	33	18.04	$595.32	122,918	5
2025-11-18	Jamerson, Phillip C	Director	-	Direct	Purchase	589	16.75	$9,865.75	16,076	4
2025-11-17	Bryant, William C Iii	Director	-	Direct	Purchase	59	16.75	$988.25	75,677	4
2025-11-17	Addison, Lewis C	Director	-	Direct	Purchase	113	16.75	$1,892.75	19,546	4
2025-08-25	Bryant, William C Iii	Director	-	Direct	Purchase	2,525	15.43	$38,960.75	75,618	4
2025-08-14	Scruggs, J Todd	Director,Officer	Secretary-Treasurer	Direct	Purchase	356	14.30	$5,090.80	33,349	4
2025-08-13	Addison, Lewis C	Director	-	Direct	Purchase	134	14.00	$1,876.00	19,433	4
2025-08-12	Umberger, Harry P Jr	Officer	EVP - Chief Credit Officer	Direct	Purchase	138	13.88	$1,915.44	2,025	4
2025-08-11	Syrek, Michael A	Officer	President - Bank of the James	Direct	Purchase	250	13.98	$3,495.00	13,600	4
2025-05-22	Bryant, William C Iii	Director	-	Direct	Purchase	6,602	14.38	$94,936.76	73,093	4
2025-05-21	Bryant, William C Iii	Director	-	Direct	Purchase	223	14.25	$3,177.75	66,491	4
2025-05-20	Bryant, William C Iii	Director	-	Direct	Purchase	394	14.25	$5,614.50	66,268	4/A
2025-05-12	Addison, Lewis C	Director	-	Direct	Purchase	303	14.25	$4,317.75	19,299	4
2025-05-09	Addison, Lewis C	Director	-	Direct	Purchase	349	14.25	$4,973.25	18,996	4
2025-05-05	Syrek, Michael A	Officer	President - Bank of the James	Direct	Purchase	350	14.00	$4,900.00	13,350	4
2025-05-05	Chapman, Robert R	Director,Officer	President	Direct	Purchase	2,828	14.11	$39,903.08	122,885	4
2024-12-09	Sorenson, Eric John Jr	Officer	EVP	Direct	Purchase	21	16.49	$343.82	3,567	5
2024-02-16	Bryant, William C Iii	Director	-	Direct	Purchase	955	11.79	$11,259.45	65,874	4
2024-02-16	Alford, John R Jr	Director	-	Direct	Purchase	500	11.61	$5,805.00	21,690	4
2024-02-07	Doyle, Julie P	Director	-	Direct	Purchase	1,000	11.93	$11,930.00	9,853	4
2024-02-07	Jamerson, Phillip C	Director	-	Direct	Purchase	2,000	11.94	$23,880.00	15,487	4
2024-02-06	Addison, Lewis C	Director	-	Direct	Purchase	120	11.92	$1,430.40	18,647	4
2024-02-06	Bryant, William C Iii	Director	-	Direct	Purchase	3,450	12.00	$41,400.00	64,919	4
2024-02-06	Foster, Watt R Jr	Director	-	Direct	Purchase	835	11.98	$10,003.30	125,913	4
2023-11-17	Jamerson, Phillip C	Director	-	Direct	Purchase	300	9.85	$2,955.00	13,487	4
2023-11-14	Bryant, William C Iii	Director	-	Direct	Purchase	458	10.09	$4,621.22	61,469	4
2023-11-14	Jamerson, Phillip C	Director	-	Direct	Purchase	1,942	9.85	$19,128.70	13,187	4
2023-10-30	Bryant, William C Iii	Director	-	Direct	Purchase	1,015	9.85	$9,997.75	61,011	4
2023-10-26	Alford, John R Jr	Director	-	Direct	Purchase	400	9.85	$3,940.00	21,190	4
2023-10-25	Bryant, William C Iii	Director	-	Direct	Purchase	3,260	9.85	$32,111.00	59,996	4
2023-10-25	Foster, Watt R Jr	Director	-	Direct	Purchase	2,000	9.80	$19,600.00	125,078	4
2023-10-25	Addison, Lewis C	Director	-	Direct	Purchase	293	9.85	$2,886.05	18,527	4
2023-10-25	Scruggs, J Todd	Director,Officer	Secretary-Treasurer	Direct	Purchase	120	9.83	$1,179.60	32,993	4
2023-10-25	Alford, John R Jr	Director	-	Direct	Purchase	226	9.71	$2,194.46	20,790	4
2023-10-24	Umberger, Harry P Jr	Officer	EVP - Chief Credit Officer	Direct	Purchase	107	9.91	$1,060.37	1,887	4
2023-05-12	Chapman, Robert R	Director,Officer	President	Direct	Purchase	300	9.06	$2,718.00	120,057	4
2023-05-12	Dalton, Aubrey Douglas Ii…	Director	-	Direct	Purchase	400	9.10	$3,640.00	11,353	4
2023-05-10	Petticolas, Augustus A Jr	Director	-	Direct	Purchase	206	9.10	$1,874.60	2,560	4
2023-05-08	Pettyjohn, Thomas W Jr	Director,Other	-	Direct	Purchase	500	9.25	$4,625.00	17,225	4
2023-05-08	Doyle, Julie P	Director	-	Direct	Purchase	950	9.20	$8,740.00	8,853	4
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Institutional Ownership

No data available for chart

2026-03-31

23.02%

Inst. Shares: 1,045,666

Shares Outstanding: 4,543,338

2025-12-31

22.36%

Inst. Shares: 1,015,925

Shares Outstanding: 4,543,338

2025-09-30

21.94%

Inst. Shares: 996,780

Shares Outstanding: 4,543,338

2025-06-30

19.71%

Inst. Shares: 895,353

Shares Outstanding: 4,543,338

2025-03-31

33.82%

Inst. Shares: 1,536,548

Shares Outstanding: 4,543,338

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	1,045,666	4,543,338	23.02%
2025-12-31	1,015,925	4,543,338	22.36%
2025-09-30	996,780	4,543,338	21.94%
2025-06-30	895,353	4,543,338	19.71%
2025-03-31	1,536,548	4,543,338	33.82%
2024-12-31	900,965	4,543,338	19.83%
2024-09-30	830,648	4,543,338	18.28%
2024-06-30	766,858	4,543,338	16.88%
2024-03-31	750,797	4,543,338	16.53%
2023-12-31	646,889	4,562,374	14.18%
2023-09-30	622,663	4,543,338	13.70%
2023-06-30	604,084	4,545,173	13.29%
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BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) — SEC Financial Statements & Analysis

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is a state commercial banks company, incorporated in VA. BANK OF THE JAMES FINANCIAL GROUP INC trades on BOTJ: Nasdaq as: BOTJ. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), BANK OF THE JAMES FINANCIAL GROUP INC reported a 6.33% year-over-year revenue growth, a Gross Profit Margin of -213.77% (TTM), a Price-to-Sales (P/S) ratio of 21.74x (TTM), a Price-to-Book (P/B) ratio of 1.15 (TTM), at a market cap of $93.18M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 6.33%
Gross Profit Margin TTM: -213.77%
P/S TTM: 21.74x
P/B TTM: 1.15
Market Cap: $93.18M

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is BANK OF THE JAMES FINANCIAL GROUP INC in?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) operates in the State Commercial Banks industry.

What is BOTJ's market cap?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) has a market capitalization of $93.18M as of 2026-03-31.

What is BOTJ's P/E ratio?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)'s trailing twelve month P/E ratio is 8.51x as of 2026-03-31.

What exchange does BOTJ trade on?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) trades on the BOTJ: Nasdaq.

Where is BANK OF THE JAMES FINANCIAL GROUP INC incorporated?

BANK OF THE JAMES FINANCIAL GROUP INC is incorporated in VA.

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) — SEC Financial Statements & Analysis

Frequently Asked Questions

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