---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-25-000017"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2025-01-31T23:59:59+00:00"
generated_at: "2026-05-27T04:35:58.519633+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bank of the James Q4 net income falls to $1.62M from $2.11M; full year EPS $1.75, dividend declared

## Summary
- Q4 2024 net income $1.62M ($0.36 per share) vs $2.11M ($0.45) a year ago.
- Full year 2024 net income $7.94M ($1.75 per share) vs $8.70M ($1.91).
- Net interest margin expanded to 3.18% in Q4 from 3.02% in Q2 2024.
- Noninterest income up 18% to $15.14M; wealth management fees $4.84M.
- Quarterly dividend of $0.10 per share declared, payable March 21, 2025 to holders of record March 7.

## SEC filing metadata
- accession: 0001562762-25-000017
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2025-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/1275101/000156276225000017/0001562762-25-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276225000017/botj-20250131x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-25-000017
- JSON: https://secwatch.observer/filing/0001562762-25-000017.json
- Plain text: https://secwatch.observer/filing/0001562762-25-000017.txt

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