{"schema_version":"secwatch.filing_event.v1","accession":"0001275101-26-000027","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2026-10-30T16:15:22+00:00","discovered_at":"2026-10-30T16:16:00.772784+00:00","generated_at":"2026-10-30T16:16:04.264316+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"Bank of the James Q3 EPS $0.73 vs $0.61; nine-month net income $9.34M; dividend raised 50% to $0.15","bullets":["Q3 2026 net income $3.32M, up $570K from $2.75M a year earlier; EPS $0.73 vs $0.61. Nine-month net income $9.34M ($2.05/share) vs $6.30M ($1.39).","Quarterly cash dividend raised 50% to $0.15 per share from $0.10, payable December 4, 2026 to stockholders of record November 20, 2026.","Net interest margin (tax-equivalent) 3.81% vs 3.44% in Q3 2025; net interest income after provision up ~18% to $9.69M. Interest expense fell 8.90% to $3.16M.","Net loans $694.03M and deposits $963.60M both at all-time highs; total assets $1.065B. Efficiency ratio improved to 69.76% from 73.46%.","Nonperforming loans fell to $548K from $1.70M at Dec 31, 2025, but AOCI loss widened to $24.51M from $14.94M on AFS securities; book value $17.27 vs $17.62."],"urls":{"canonical":"https://secwatch.observer/filing/0001275101-26-000027","json":"https://secwatch.observer/filing/0001275101-26-000027.json","markdown":"https://secwatch.observer/filing/0001275101-26-000027.md","text":"https://secwatch.observer/filing/0001275101-26-000027.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000127510126000027/0001275101-26-000027-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000127510126000027/botj-20261027x8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-30T16:16:04.264316+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}