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:   2026-10-30T16:15:22+00:00
Accession:  0001275101-26-000027
Event type: earnings
Sentiment:  positive
Materiality: 0.72
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275101/000127510126000027/0001275101-26-000027-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275101/000127510126000027/botj-20261027x8k.htm
  HTML page:      https://secwatch.observer/filing/0001275101-26-000027

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