---
schema_version: "secwatch.filing_event.v1"
accession: "0001275101-26-000017"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2026-04-30T23:59:59+00:00"
generated_at: "2026-05-15T00:34:30.480568+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 Q1 net income $2.77M ($0.61 EPS) vs $0.19 YoY, dividend $0.10

## Summary
- 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.

## SEC filing metadata
- accession: 0001275101-26-000017
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2026-04-30T23:59:59+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/1275101/000127510126000017/0001275101-26-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000127510126000017/botj-20260428x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275101-26-000017
- JSON: https://secwatch.observer/filing/0001275101-26-000017.json
- Plain text: https://secwatch.observer/filing/0001275101-26-000017.txt

## Key facts
- Earnings Releases
  BANK OF THE JAMES FINANCIAL GROUP INC reported the three-month period ended March 31, 2026 results: revenue $8.73 million, net income $2.77 million, EPS $0.61 per share.
  - Period: the three-month period ended March 31, 2026
  - Revenue: $8.73 million
  - Net income: $2.77 million
  - EPS: $0.61 per share
  - Result: reported results
  source text: at December 31, 2025. " Total deposits were $956.55 million at March 31, 2026, compared with $937.13 million at December 31, 2025. " Net interest income increased 13.15% to $8.73 million in the first quarter of 2026 from $7.72 million in the first quarter of 2025. " Net interest margin for the three months ended March 31, 2026 was 3.57% compared with 3.25% for
  evidence_url: https://www.sec.gov/Archives/edgar/data/1275101/000127510126000017/0001275101-26-000017-index.htm

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