Bank of the James reports record Q3 EPS $0.61, NIM expands to 3.44%, assets exceed $1B

BANK OF THE JAMES FINANCIAL GROUP INC

2025-Q3 EPS reported $1.39 revenue$3,002,000

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.

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