---
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"
generated_at: "2026-10-30T16:16:04.264316+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# Bank of the James Q3 EPS $0.73 vs $0.61; nine-month net income $9.34M; dividend raised 50% to $0.15

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001275101-26-000027
- JSON: https://secwatch.observer/filing/0001275101-26-000027.json
- Plain text: https://secwatch.observer/filing/0001275101-26-000027.txt

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