---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-24-000239"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2024-10-25T23:59:59+00:00"
generated_at: "2026-05-30T09:59:11.673401+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 Q3 net income $1.99M ($0.44 EPS); total assets top $1B, book value $15.15

## Summary
- Net income Q3 2024 $1.99M ($0.44 diluted EPS) vs. $2.08M ($0.46) YoY; first 9 months $6.33M ($1.39) vs. $6.60M ($1.44).
- Total assets $1.01B at Sept 30, up from $969.37M at Dec 31, 2023; loans net of ALC $627.11M (+$25M since Dec 31).
- Book value per share $15.15 vs. $13.21 at Dec 31, 2023; stockholders' equity $68.83M (up from $60.04M).
- Dividend declared: $0.10/share, record Nov 22, 2024, paid Dec 6, 2024.
- Net interest margin 3.16% (Q3) up from 3.02% (Q2); noninterest income +19% YoY in Q3.

## SEC filing metadata
- accession: 0001562762-24-000239
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2024-10-25T23:59:59+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/1275101/000156276224000239/0001562762-24-000239-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276224000239/botj-20241025x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-24-000239
- JSON: https://secwatch.observer/filing/0001562762-24-000239.json
- Plain text: https://secwatch.observer/filing/0001562762-24-000239.txt

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