{"filings":[{"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); 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