---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-24-000017"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2024-02-02T23:59:59+00:00"
generated_at: "2026-06-06T09:46:00.819402+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bank of the James reports Q4 EPS $0.45, declares 25% dividend increase to $0.10/share

## Summary
- Q4 net income $2.06M ($0.45 EPS) vs $1.96M ($0.42 EPS) in Q4 2022; full-year EPS flat at $1.91.
- Total interest income up 24% for full year; net interest margin improved to 3.29% from 3.23%.
- Asset quality strong: nonperforming loans ratio 0.06%, zero OREO.
- Book value per share rose to $13.21 from $10.85; board declared $0.10 quarterly dividend, up 25%.

## SEC filing metadata
- accession: 0001562762-24-000017
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2024-02-02T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1275101/000156276224000017/0001562762-24-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276224000017/botj-20240202x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-24-000017
- JSON: https://secwatch.observer/filing/0001562762-24-000017.json
- Plain text: https://secwatch.observer/filing/0001562762-24-000017.txt

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