---
schema_version: "secwatch.filing_event.v1"
accession: "0001275101-25-000003"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-17T01:15:21.511817+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001275101-25-000003
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1275101/000127510125000003/0001275101-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000127510125000003/botj-20251028x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275101-25-000003
- JSON: https://secwatch.observer/filing/0001275101-25-000003.json
- Plain text: https://secwatch.observer/filing/0001275101-25-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.