secwatch.observer — SEC 8-K summary
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Issuer:     BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
CIK:        0001275101
Form:       8-K
Filed at:   2025-10-30T23:59:59+00:00
Accession:  0001275101-25-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275101/000127510125000003/0001275101-25-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275101/000127510125000003/botj-20251028x8k.htm
  HTML page:      https://secwatch.observer/filing/0001275101-25-000003

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer