{"filings":[{"id":1968161,"accession_number":"0001275101-26-000023","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2026-07-30T20:15:37+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James Q2 net income $3.24M, EPS $0.71; H1 net income $6.01M, EPS $1.32","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2026 net income $3.24M ($0.71 EPS) vs $2.70M ($0.60 EPS) in Q2 2025, up 20%.","First half 2026 net income $6.01M ($1.32 EPS) vs $3.55M ($0.78 EPS) in H1 2025, up 69%.","Net interest margin (tax-equivalent) improved to 3.71% from 3.44% in Q2 2025.","Loans net $686.08M, up $37M from March 31, 2026; nonperforming loans fell to $1.09M.","Quarterly dividend declared $0.10/share, payable Sept 4, 2026 to holders of record Aug 21."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":554121,"accession_number":"0001275101-26-000021","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2026-05-20T20:01:00+00:00","items":["5.07","9.01"],"status":"ready","headline":"Bank of the James shareholders elect directors, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All four Group Two directors elected: Chapman 2,435,558 for; Doyle 2,177,449; Langley 2,176,380; Petticolas 2,156,391.","Ratification of Elliott Davis as auditor: 3,565,490 for, 4,655 against, 3,260 abstain.","Advisory vote on executive compensation approved: 2,403,289 for, 31,082 against, 44,027 abstain.","78.65% of outstanding shares represented at meeting; 3,573,405 votes cast out of 4,543,338 shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91861,"accession_number":"0001275101-26-000017","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2026-04-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James Q1 net income $2.77M ($0.61 EPS) vs $0.19 YoY, dividend $0.10","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.77M, EPS $0.61, vs $842K ($0.19) in Q1 2025.","Net interest income up 13.15% to $8.73M; net interest margin 3.57% from 3.25%.","Total assets $1.06B (+4.89% YoY); deposits $956.55M (+4.92%).","Nonperforming loans down to $1.45M from $1.80M; allowance 4.28x coverage.","Board declared $0.10/share quarterly dividend, payable June 5, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":0.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":994000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102245,"accession_number":"0001275101-26-000008","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2026-02-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Bank of the James Reports Record 2025 Net Income of $9.02 Million, Up 13.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record annual earnings of $9.02 million for 2025, up from $7.94 million in 2024.","Fourth quarter net income $2.72 million, EPS $0.60, vs $1.62 million and $0.36 in Q4 2024.","Total assets reached $1.04 billion at Dec 31, 2025, up 6.1% from $979.24 million.","Net interest margin improved to 3.44% in Q4 2025 from 3.18% in Q4 2024.","Efficiency ratio improved to 70.81% in Q4 2025 from 82.62% in Q4 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.99,"consensus_revenue_estimate":null,"consensus_revenue_actual":4273000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102244,"accession_number":"0001275101-26-000005","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James declares $0.10 quarterly dividend payable March 6, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per share declared on January 27, 2026.","Record date: February 17, 2026; payment date: on or about March 6, 2026.","Common stock trades on NASDAQ Capital Market under symbol BOTJ."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102243,"accession_number":"0001275101-26-000002","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2026-01-09T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Bank of the James co-founder J. Todd Scruggs retires from board and executive roles effective Jan 5","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["J. Todd Scruggs retired Jan 5, 2026 from boards of Company and Bank; also as Secretary, Treasurer, EVP and CIO.","Scruggs co-founded Bank of the James in 1998 with CEO Robert R. Chapman III and served as CFO through 2025.","His retirement is not due to any disagreement with the Company; no successor for Secretary/Treasurer or CIO named.","He was key to growth from $10M initial capital to over $1B in assets and 20+ Virginia branches."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":118543,"accession_number":"0001275101-25-000005","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"BOTJ CFO Scruggs to become CIO; General Counsel Sorenson named CFO effective Jan 1, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["J. Todd Scruggs, CFO since 1999 for Bank of the James, transitions to newly created CIO role effective Jan 1, 2026.","Eric J. Sorenson Jr., General Counsel since 2022, appointed CFO; will oversee financial, accounting, treasury, budgeting, reporting.","Transition is orderly; Board states no disagreement with company or management; no new compensatory arrangements.","Scruggs and Sorenson will work closely; Sorenson brings 25+ years of advisory experience on regulatory, legal, and financial matters."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":118542,"accession_number":"0001275101-25-000003","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James reports record Q3 EPS $0.61, NIM expands to 3.44%, assets exceed $1B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS $0.61 in Q3 2025, up from $0.44 YoY; nine-month EPS $1.39 flat YoY.","Net interest income rose 10.5% to $8.30M; NIM improved to 3.44% from 3.16%.","Total assets $1.02B, loans $653.29M; nonperforming loans ratio 0.29%.","Quarterly dividend declared $0.10/share, payable Dec 5, 2025 to holders of record Nov 21, 2025.","Retired $10M capital notes in Q2 2025; book value per share $16.94, up from $14.28 at Dec 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":3002000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":135020,"accession_number":"0001562762-25-000214","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-08-20T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"BOTJ amends $11M note: maturity extended to 2030, rate raised to 5.65%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Maturity of $11M secured note extended from Dec 2026 to Aug 31, 2030; interest rate increased to 5.65% from 3.90% as of Sept 1, 2025.","Monthly P&I payments reduced to ~$61k from ~$81k; balloon payment of ~$7.4M due at maturity.","Outstanding principal ~$8.9M as of Aug 31, 2025; note secured by ~4.95% of Bank's common stock.","Borrower may request one-time recast of amortization if prepaying $1M or more."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":135017,"accession_number":"0001562762-25-000195","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K/A","filed_at":"2025-08-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Bank of the James Q2 2025 net income $2.70M, EPS $0.60; assets corrected to $1.004B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income of $2.70M ($0.60/diluted share) vs $2.15M ($0.47) a year ago.","Net interest margin improved to 3.45% in Q2 2025 vs 3.02% in Q2 2024.","Loans net of allowance grew to $649.09M at June 30, 2025 from $636.55M at Dec 31, 2024.","Capital notes of ~$10M retired; expected to reduce annual interest expense by ~$327,000.","Quarterly dividend of $0.10/share declared, payable Sept 26, 2025 to holders of record Sept 12."],"consensus_eps_estimate":null,"consensus_eps_actual":0.78,"consensus_revenue_estimate":null,"consensus_revenue_actual":1956000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":135019,"accession_number":"0001562762-25-000191","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-08-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Bank of the James Q2 net income $2.7M ($0.60 EPS); net interest margin expands to 3.45%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $2.7M ($0.60/share) vs $2.15M ($0.47) a year earlier; H1 net income $3.55M ($0.79) vs $4.34M ($0.95).","Net interest margin 3.45% (Q2) vs 3.02% prior year; interest expense down 12% YoY.","Loans net of allowance grew to $649M from $636.5M at year-end 2024; CRE loans $355.7M.","Retired $10M capital notes in Q2, saving ~$327K annual interest; bank well-capitalized with Tier 1 leverage 8.85%.","Board declared $0.10/share quarterly dividend, payable Sept 26, 2025 to holders of record Sept 12, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.78,"consensus_revenue_estimate":null,"consensus_revenue_actual":1956000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":135018,"accession_number":"0001562762-25-000176","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-07-28T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James declares $0.10 quarterly dividend, payable Sept 26","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a quarterly cash dividend of $0.10 per share on July 22, 2025.","Dividend payable on or about September 26, 2025 to holders of record September 12, 2025.","No other material events reported in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":151965,"accession_number":"0001562762-25-000138","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"BOTJ shareholders elect three directors, ratify auditor, approve say-on-pay at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected A. Douglas Dalton III, Watt R. Foster Jr., and Phillip C. Jamerson as Group One directors for three-year terms.","Ratified Elliott Davis, PLLC as independent auditor for FY2025 with 3,401,639 votes for, 54,528 against.","Advisory approval of named executive officer compensation received 2,102,240 votes for, 47,657 against.","Approximately 78.37% of outstanding shares represented at the meeting (3,560,503 of 4,543,338 shares)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":151964,"accession_number":"0001562762-25-000101","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BOTJ Q1 net income down 61% to $842k ($0.19 EPS) on $1M one-time consultant fee","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $842k ($0.19 EPS) vs $2.19M ($0.48) Q1 2024; revenue (NII after provision) $7.58M vs $7.50M.","Noninterest expense rose to $9.83M from $8.09M, including ~$1M one-time fee for core contract renegotiation.","Net interest margin improved to 3.25% (Q1 2024: 3.02%); loans net of ACL grew to $642.4M from $636.6M (Dec 2024).","Company plans to repay $10M capital notes in June, saving ~$327k annually; dividend of $0.10/share declared.","Nonperforming loans/total loans low at 0.28%; book value per share $15.04, up from $14.28 at Dec 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.19,"consensus_revenue_estimate":null,"consensus_revenue_actual":981000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":151963,"accession_number":"0001562762-25-000086","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-04-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James declares $0.10 quarterly dividend payable June 20, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per share declared on April 15, 2025.","Payable on June 20, 2025 to shareholders of record as of June 6, 2025.","Dividend unchanged from prior quarter; no special dividend or increase announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":170807,"accession_number":"0001562762-25-000047","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-03-20T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Two directors to retire at Bank of the James annual meeting; board shrinks to 11","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Thomas W. Pettyjohn, Jr. and James F. Daly will not seek re-election, retiring on May 20, 2025.","Board size decreases from 13 to 11; vacancies will not be filled.","Annual meeting of shareholders is scheduled for May 20, 2025.","Company expresses appreciation for their leadership and service."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":170806,"accession_number":"0001562762-25-000017","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-01-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Bank of the James Q4 net income falls to $1.62M from $2.11M; full year EPS $1.75, dividend declared","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 net income $1.62M ($0.36 per share) vs $2.11M ($0.45) a year ago.","Full year 2024 net income $7.94M ($1.75 per share) vs $8.70M ($1.91).","Net interest margin expanded to 3.18% in Q4 from 3.02% in Q2 2024.","Noninterest income up 18% to $15.14M; wealth management fees $4.84M.","Quarterly dividend of $0.10 per share declared, payable March 21, 2025 to holders of record March 7."],"consensus_eps_estimate":null,"consensus_eps_actual":1.75,"consensus_revenue_estimate":null,"consensus_revenue_actual":4003000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":170805,"accession_number":"0001562762-25-000011","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2025-01-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James declares $0.10 quarterly dividend payable March 21, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a quarterly cash dividend of $0.10 per share on January 21, 2025.","Dividend payable on or about March 21, 2025.","Record date for the dividend is March 7, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187776,"accession_number":"0001562762-24-000239","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-10-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Bank of the James Q3 net income $1.99M ($0.44 EPS); total assets top $1B, book value $15.15","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q3 2024 $1.99M ($0.44 diluted EPS) vs. $2.08M ($0.46) YoY; first 9 months $6.33M ($1.39) vs. $6.60M ($1.44).","Total assets $1.01B at Sept 30, up from $969.37M at Dec 31, 2023; loans net of ALC $627.11M (+$25M since Dec 31).","Book value per share $15.15 vs. $13.21 at Dec 31, 2023; stockholders' equity $68.83M (up from $60.04M).","Dividend declared: $0.10/share, record Nov 22, 2024, paid Dec 6, 2024.","Net interest margin 3.16% (Q3) up from 3.02% (Q2); noninterest income +19% YoY in Q3."],"consensus_eps_estimate":null,"consensus_eps_actual":1.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":2930000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187775,"accession_number":"0001562762-24-000237","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-10-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"BOTJ declares $0.10 quarterly dividend, payable Dec 6, 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per share declared on Oct 15, 2024.","Payable on Dec 6, 2024 to shareholders of record as of Nov 22, 2024.","Dividend rate unchanged from prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":204281,"accession_number":"0001562762-24-000185","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Bank of the James Q2 net income $2.15M ($0.47 EPS), down 15% YoY; declares $0.10 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.15M ($0.47/share) vs $2.53M ($0.56) YoY; first-half $4.34M ($0.95) vs $4.52M ($0.99).","Net interest income after recovery of credit losses $7.21M (Q2), $14.72M (first half); net interest margin 3.02%.","Total interest income up 14% to $10.94M (Q2) on higher loan yields; noninterest income rose 22% to $4.19M.","Loans net of allowance $616.09M (+2.4% from Dec 2023); deposits $884.90M; nonperforming loans 0.13% of loans.","Quarterly dividend $0.10/share payable Sept 20, 2024 to holders of record Sept 6, 2024; book value $13.58."],"consensus_eps_estimate":null,"consensus_eps_actual":0.95,"consensus_revenue_estimate":null,"consensus_revenue_actual":1939000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":204280,"accession_number":"0001562762-24-000173","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-07-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James Financial Group declares $0.10 quarterly dividend, payable Sept 20, 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per share declared on July 16, 2024.","Payable on or about September 20, 2024 to stockholders of record as of September 6, 2024.","The dividend was approved by the Board of Directors at its July 16, 2024 meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":221032,"accession_number":"0001562762-24-000150","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-05-23T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Shareholders re-elect four directors and ratify auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Four Group Three directors elected: Addison, Alford, Bryant, Scruggs (all with >2M votes for).","Ratified Elliott Davis, PLLC as independent auditor for FY2024 (3.46M for, 35K against).","Advisory vote on executive compensation approved (2.09M for, 208K against, 31.7K abstain).","Turnout: 76.98% of outstanding shares (3.5M of 4.54M shares represented)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":221031,"accession_number":"0001562762-24-000100","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-04-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"BOTJ Q1 net income $2.19M ($0.48 EPS) vs $1.98M a year ago; declares $0.10 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $2.19M, $0.48 per share, vs $1.98M ($0.43) in Q1 2023; earnings per share up 11.6% YoY.","Net interest margin narrowed to 3.02% from 3.48% YoY; total interest income rose 15.5% to $10.51M.","Nonperforming loans ratio remained low at 0.09%; recovery of credit losses of $553K vs $140K provision a year ago.","Total deposits increased to $893.5M at March 31, 2024 from $878.5M at Dec 31, 2023; core deposits >70%.","Book value per share rose to $13.30 from $13.21 in Dec 2023; quarterly dividend of $0.10 declared."],"consensus_eps_estimate":null,"consensus_eps_actual":0.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":953000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":221030,"accession_number":"0001562762-24-000092","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-04-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James Financial Group declares $0.10 quarterly dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a quarterly cash dividend of $0.10 per common share on April 16, 2024.","Dividend payable on or about June 21, 2024 to stockholders of record as of June 7, 2024.","The dividend represents a $0.40 annualized payout per share.","Declaration follows the company's regular quarterly dividend pattern."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":240610,"accession_number":"0001562762-24-000059","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-03-15T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Bank of the James Financial Group replaces auditor YHB with Elliott Davis for FY 2024","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Dismissed Yount, Hyde & Barbour as auditor after 2023 audit and 10-K filing.","Audit committee selected Elliott Davis, PLLC as new independent auditor for 2024 fiscal year.","No disagreements or reportable events with YHB in past two audits or interim period.","YHB's reports on 2022 and 2021 financials were unqualified, no adverse opinions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":240609,"accession_number":"0001562762-24-000017","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-02-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Bank of the James reports Q4 EPS $0.45, declares 25% dividend increase to $0.10/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $2.06M ($0.45 EPS) vs $1.96M ($0.42 EPS) in Q4 2022; full-year EPS flat at $1.91.","Total interest income up 24% for full year; net interest margin improved to 3.29% from 3.23%.","Asset quality strong: nonperforming loans ratio 0.06%, zero OREO.","Book value per share rose to $13.21 from $10.85; board declared $0.10 quarterly dividend, up 25%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":3901000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":240608,"accession_number":"0001562762-24-000008","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2024-01-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James declares $0.10 quarterly dividend, a 25% increase from prior quarter","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend raised to $0.10 per share from $0.08, a 25% increase.","Dividend payable on March 15, 2024; record date March 1, 2024.","Future dividend declarations subject to Board approval based on results and financial condition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":258114,"accession_number":"0001562762-23-000371","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2023-10-20T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James Financial Group reports Q3 2023 net income of $2.08M and declares $0.08 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for Q3 2023 was $2.08 million ($0.46 per share) compared to $2.57 million in Q3 2022.","For nine months ended Sept 30, 2023, net income was $6.60 million ($1.44 per share).","Total deposits grew to $880.20 million as of Sept 30, 2023 from $848.14 million at Dec 31, 2022.","Board declared quarterly cash dividend of $0.08 per share payable Dec 8, 2023 to holders of record Nov 24, 2023.","Nonperforming loans remained low at 0.10% of total loans with no other real estate owned."],"consensus_eps_estimate":null,"consensus_eps_actual":1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":2942000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":275427,"accession_number":"0001562762-23-000283","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2023-07-21T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James Q2 net income up 10% to $2.53M; declares $0.08 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $2.53M ($0.56 EPS) vs $2.29M ($0.48 EPS) a year ago.","Net interest income after recovery of credit losses $7.60M vs $7.42M.","Noninterest income up 14% to $3.44M, driven by service charges and wealth management.","Asset quality strong: NPLs/loans 0.07%, allowance 1.23%.","Board declared $0.08 per share quarterly dividend, payable Sept 15, record Sept 1."],"consensus_eps_estimate":null,"consensus_eps_actual":0.99,"consensus_revenue_estimate":null,"consensus_revenue_actual":1938000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":292922,"accession_number":"0001562762-23-000254","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2023-05-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Bank of the James Financial Group holds annual meeting; shareholders elect directors and ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders elected four Group Two directors: Robert R. Chapman III, Julie P. Doyle, Lydia K. Langley, and Augustus A. Petticolas.","Ratified Yount, Hyde & Barbour, P.C. as independent auditor for 2023 with 3,464,135 votes for.","Non-binding advisory vote on executive compensation approved with 1,769,847 votes for.","75.70% of shares represented at meeting; 3,504,122 of 4,628,657 outstanding shares voted."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":292921,"accession_number":"0001562762-23-000169","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2023-04-21T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James Q1 net income $1.98M ($0.43/shr) vs $2.14M; declares $0.08 dividend, ends stock repurchase plan","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.98M, EPS $0.43, down from $2.14M ($0.45) a year ago.","Net interest income up 20% YoY; total interest income $9.10M (+32%).","Loans net of allowance $618.22M; deposits $864.44M; nonperforming loans only 0.02%.","Dividend $0.08/shr payable June 16, record June 2.","Repurchased 68,619 shares in Q1 at avg $11.85; plan terminated after using nearly all $998K."],"consensus_eps_estimate":null,"consensus_eps_actual":0.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":983000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":313586,"accession_number":"0001562762-23-000035","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2023-02-06T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James posts record annual net income of $8.96M, EPS $1.91; approves $998K buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $1.95M ($0.42/sh), up 5% YoY; FY2022 net income $8.96M ($1.91/sh), up 18% YoY.","Net interest margin expanded to 3.67% in Q4; ROAA 0.91% and ROAE 15.59% for FY2022.","Nonperforming loans to total loans improved to 0.10% from 0.16%; allowance for loan losses 1.02%.","Board approved up to $998K stock repurchase plan from Mar 8, 2023 to Mar 7, 2024.","Quarterly dividend of $0.08/sh declared, payable Mar 17, 2023 to holders of record Mar 3, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":1.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":3591000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":313585,"accession_number":"0001562762-23-000019","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2023-01-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James declares $0.08 quarterly dividend payable March 17, 2023","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a quarterly cash dividend of $0.08 per share on January 17, 2023.","Dividend payable on or about March 17, 2023 to stockholders of record as of March 3, 2023.","This is a regular quarterly dividend; no change from prior quarter's amount."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":313584,"accession_number":"0001562762-23-000003","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K/A","filed_at":"2023-01-06T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Bank of the James finalizes Sorenson Salary Continuation Agreement: $60,000/yr for 15 years upon retirement at 65","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Executive EVP-General Counsel Sorenson eligible for $60,000 annual retirement benefit for 15 years upon retirement at age 65 or older.","Lesser benefits provided for voluntary termination before 65, disability, or change in control; death benefit paid to beneficiary.","Benefit vested per schedule; Employer may cease accrual if Executive no longer qualifies as highly compensated under ERISA.","Agreement effective January 1, 2023; payments expected to be funded by bank-owned life insurance on Sorenson.","Amendment filed to disclose previously unfinalized contract terms from the August 1, 2022 appointment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":332055,"accession_number":"0001562762-22-000392","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2022-10-21T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James posts record Q3 net income of $2.57M, EPS $0.55, up 37% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2022 net income $2.57M ($0.55 diluted EPS) vs. $1.88M ($0.40) in Q3 2021; nine-month net income $7.01M ($1.48) vs. $5.73M ($1.21).","Net interest income rose 16% YoY to $7.9M in Q3; net interest margin expanded to 3.43% from 2.93% a year earlier.","Quarterly dividend increased 14% to $0.08/share, payable Dec 9, 2022 to holders of record Nov 25, 2022.","Repurchased 112,000 shares in Q3 for $1.4M (avg. $12.51/share); book value fell to $10.44 from $14.65 due to AFS securities mark-to-market.","Asset quality strong: NPL/total loans 0.13%, allowance to loans 1.03%, and $300K recovery of loan losses in Q3."],"consensus_eps_estimate":null,"consensus_eps_actual":1.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":2563000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":349526,"accession_number":"0001562762-22-000368","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2022-08-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James expands stock repurchase authorization to $1.5M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board increased share repurchase plan to $1.5M, inclusive of prior $500K authorized July 19, 2022.","Additional $1.0M authorized for buybacks through July 18, 2023.","Shares may be purchased in open market or private transactions under Rule 10b5-1 and 10b-18."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":349525,"accession_number":"0001562762-22-000337","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2022-08-04T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Bank of the James appoints Eric J. Sorenson as EVP-General Counsel effective July 1, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Eric J. Sorenson, Jr., 56, became EVP-General Counsel of Bank of the James on July 1, 2022.","Annual base salary set at $285,000; eligible for discretionary bonuses, equity awards under 2018 plan.","Will enter a Salary Continuation Agreement; benefit amounts not yet determined.","Previously an attorney at Woods Rogers PLC since 2016; no family relations with directors/officers.","Sorenson is a bank customer; ordinary-course transactions on standard terms."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":349524,"accession_number":"0001562762-22-000299","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2022-07-22T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James Q2 net income rises 14% to $2.29M; declares $0.07 dividend and $500K buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q2 2022 $2.29M ($0.48/sh) vs $2.01M ($0.42/sh) in Q2 2021; record quarterly earnings.","Net interest income after recovery of loan losses: Q2 $7.4M (+10% YoY); first half $14.1M.","Loan portfolio grew ~$18M in Q2 to $607.32M; nonperforming loans only 0.14% of total loans.","Board declared $0.07/sh quarterly dividend (payable Sept 16, 2022) and approved $500K stock repurchase plan.","Book value per share fell to $11.25 from $14.05 due to $21.26M unrealized loss on securities portfolio."],"consensus_eps_estimate":null,"consensus_eps_actual":0.93,"consensus_revenue_estimate":null,"consensus_revenue_actual":1250000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":366501,"accession_number":"0001562762-22-000256","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2022-05-18T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Bank of the James Financial Group announces results of 2022 Annual Meeting of Shareholders","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["At May 17 meeting, shareholders elected five directors: Dalton (2,269,173 for), Daly (1,869,680), Foster (1,757,138), Jamerson (2,141,021), Pettyjohn (1,873,629) with 1,308,439 broker non-votes each.","Ratified Yount, Hyde & Barbour as independent auditor for 2022 with 3,689,519 votes for and 7,663 against.","Approved non-binding advisory resolution on executive compensation: 1,866,537 for, 470,160 against, 52,046 abstentions.","Recommended advisory vote on executive compensation every year: 2,248,270 for one year, 75,716 for two years, 15,819 for three years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":366500,"accession_number":"0001562762-22-000189","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2022-04-22T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James Q1 net income $2.14M ($0.45 EPS), up 16% YoY; declares $0.07 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.14M ($0.45 EPS) vs $1.84M ($0.38) in Q1 2021; revenue not separately disclosed.","Total noninterest income rose 49% to $3.63M, including $1.02M from Pettyjohn, Wood & White.","Nonperforming loans ratio improved to 0.14% of total loans; loan loss recovery of $300,000.","Quarterly dividend of $0.07 per share, payable June 17, 2022 to holders of record June 3, 2022.","Book value per share $12.78; ROAE 12.27% (up from 11.49%) and ROAA 0.89% (up from 0.85%)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":592000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":385948,"accession_number":"0001562762-22-000029","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2022-02-15T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Bank of the James reports record annual net income of $7.59M; Q4 EPS $0.39","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.59M ($1.60 diluted EPS) in 2021 vs $4.98M ($1.04) in 2020; Q4 net income $1.86M ($0.39) vs $1.71M ($0.36).","No loan loss provision in 2021; $500K recovery in Q4; nonperforming loans ratio 0.16%.","Total deposits grew 16% to $887.1M; core deposits 83% of total.","Declared $0.07/share quarterly dividend payable Mar 18, 2022 to holders of record Mar 4.","Completed acquisition of Pettyjohn, Wood & White (investment advisor, $650M AUM) on Dec 31, 2021 for $10.5M."],"consensus_eps_estimate":null,"consensus_eps_actual":1.6,"consensus_revenue_estimate":null,"consensus_revenue_actual":2496000.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":385947,"accession_number":"0001562762-22-000014","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2022-01-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James declares $0.07 quarterly dividend for Q1 2022","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.07 per share declared by Board on January 18, 2022.","Dividend payable on or about March 18, 2022 to stockholders of record as of March 4, 2022.","No change in dividend rate from prior quarter; regular quarterly payout maintained."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":385946,"accession_number":"0001562762-22-000004","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2022-01-04T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Bank of the James completes acquisition of Pettyjohn, Wood & White with $650M AUM","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquisition of Pettyjohn, Wood & White, Inc. closed on December 31, 2021; PWW now wholly-owned subsidiary.","PWW is a Lynchburg, VA-based SEC-registered investment advisor with over $650 million in assets under management.","The deal was previously announced via Form 8-K on December 15, 2021; additional information will appear in the 2021 Form 10-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":403855,"accession_number":"0001562762-21-000490","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2021-12-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Bank of the James to acquire Pettyjohn, Wood & White, an RIA with $650M+ AUM","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquisition of Pettyjohn, Wood & White (PWW), an SEC-registered investment advisor with over $650M in AUM.","Founders Gorham Wood (to remain President) and Charles White (EVP) signed long-term employment agreements.","All administrative staff and account managers will continue, including Brian Blankship, Tom Gerhardt, Shep Nowlin.","Company expects the transaction to increase earnings through higher non-interest income.","No deal value disclosed; subject to customary closing conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":403854,"accession_number":"0001562762-21-000369","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2021-10-22T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James Q3 net income $1.88M, EPS $0.40; declares $0.07 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.88M ($0.40 diluted EPS) vs $1.45M ($0.30 EPS) year ago; 9-month net $5.73M ($1.21 EPS).","No provision for loan losses in 2021; nonperforming loans 0.32% of total loans.","Dividend of $0.07/share declared, payable Dec 10 to holders of record Nov 26.","Total deposits rose to $853.8M from $765.0M at Dec 31, 2020; core deposits 84% of total.","Michael Syrek named President of Bank; Robert Chapman remains CEO of Company and Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":1.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":1803000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":403853,"accession_number":"0001562762-21-000358","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2021-10-13T23:59:59+00:00","items":["5.02","7.01"],"status":"ready","headline":"Bank of the James promotes Michael Syrek to President of bank subsidiary","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Effective October 13, 2021, Michael A. Syrek promoted to President of Bank of the James.","Syrek previously served as EVP and Chief Lending Officer since 2012; annual base salary adjusted to $285,000.","Robert R. Chapman III steps down as President of the Bank but remains CEO of the Bank and President of the Company.","Role separation allows Chapman to focus on executing the strategic plan for growth and profitability."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":422806,"accession_number":"0001562762-21-000271","cik":1275101,"company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","ticker":"BOTJ","form_type":"8-K","filed_at":"2021-07-26T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Bank of the James Q2 net income $2.01M ($0.42 EPS), up from $821K ($0.17) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.01M, diluted EPS $0.42 for Q2 2021 vs $0.17 in Q2 2020 (adjusted for 10% stock dividend).","H1 2021 net income $3.85M ($0.81 EPS) vs $1.82M ($0.38 EPS) prior year.","No provision for loan losses in Q2 2021; noninterest income rose 9% to $3.05M on mortgage gains.","Nonperforming loan ratio 0.33%; allowance to loans 1.20% (1.29% ex-PPP). Deposits up 7% to $819.4M.","Quarterly cash dividend $0.07/share declared, payable Sept 17, 2021 to holders of record Sept 3, 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":0.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":1191000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":104178731.87108013,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}