BO
BOTJ
—
Nasdaq
Banks
Bank Of The James Financial Group Inc
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
123,4M USD
P/E
15,0x
EV / Rev
—
Div yield
1,35 %
Op margin
—
ROE
3,4 %
Net margin
—
Debt / equity
—
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$27,61
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
BANK OF THE JAMES FINANCIAL GROUP INC is classified under Financials / Banks and appears profitable on the latest normalized snapshot.
Business. BANK OF THE JAMES FINANCIAL GROUP INC is classified under Financials / Banks and appears profitable on the latest normalized snapshot.
Classification99 %
SectorFinancials
Industry groupBanks
Generated · rules-based
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
At a glance
Score
—
not yet scored
Valuation→
15,0x
P/E
Analysts
—
not yet wired
Ownership→
Dimensional Fund Advisors, L.P.
largest disclosed fund holder
Profitability→
3,4 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to BOTJ. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
BANK OF THE JAMES FINANCIAL GROUP INC is classified under Financials / Banks and appears profitable on the latest normalized snapshot.
Classification99 %
SectorFinancials
Industry groupBanks
AI synthesis
GENERATEDBANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 1,061,189,000 USD, total equity 81,284,000, short-term debt 0, long-term debt 0. Self-calculated market cap is 134,891,705 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 0, gross profit 0, operating income 0, net income 2,774,000. Return on equity ~3.4%. Return on assets ~0.3%. Operating-cash-flow to net-income ratio is 1.71. Risk profile from automated assessment: liquidity risk unknown, dilution risk medium. Flags: Source documents mention dilution or offering risk.; Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).. Recent news context: [TRIGGER] 8-K: 8-K (sec_8k_material) on BOTJ — filing_type=8-K; max_severity=medium; ignored_items=['8.01', '9.01']; material_items=['2.02']; all_items_found=['2.02', '8.01', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0001275101-26-000023). Additional context: 8-K: filing_type=8-K; max_severity=medium; ignored_items=['8.01', '9.01']; material_items=['2.02']; all_items_found=['2.02', '8.01', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.
Key takeaways
- Observed GAAP P/E is about 48.63x.
- Return on equity is about 3.4%.
- Debt to equity is about 0.0x.
- [TRIGGER] 8-K: 8-K (sec_8k_material) on BOTJ — filing_type=8-K; max_severity=medium; ignored_items=['8.01', '9.01']; material_items=['2.02']; all_items_found=['2.02', '8.01', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0001275101-26-000023)
- Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
- botj-20260331x10q P15Y false --12-31 Q1 2026 0001275101 http://fasb.org/us-gaap/2025#OtherAssets http://fasb.org/us-gaap/2025#OtherAssets 0001275101 us-gaap:RetainedEarningsMember 2026-03-31 0001275101 us-gaap:AdditionalPaidInCapitalMember 2026-03-31 0001275101 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-03-31 0001275101 us-gaap:RetainedEarningsMember 2025-12-31 0001275101 us-gaap:AdditionalPaidInCapitalMember 2025-12-31 0001275101 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-12-31 0001275101 us-gaap:RetainedEarningsMember 2025-03-31 0001275101 us-gaap:AdditionalPaidInCapitalMember 2025-03-31 0001275101 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-03-31 0001275101 us-gaap:RetainedEarningsMember 2024-12-31 0001275101 us-gaap:AdditionalPaidInCapitalMember 2024-12-31 0001275101 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0001275101 us-gaap:CommonStockMember 2026-03-31 0001275101 us-gaap:CommonStockMember 2025-12-31 0001275101 us-gaap:CommonStockMember 2025-03-31 0001275101 us-gaap:CommonStockMember 2024-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember 2026-01-01 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-01-01 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-01-01 2025-03-31 0001275101 botj:NationalBankOfBlacksburgMember 2021-12-29 2021-12-29 0001275101 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-03-31 0001275101 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-03-31 0001275101 srt:WeightedAverageMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputDefaultRateMember botj:DiscountedAppraisedValueMember 2026-03-31 0001275101 srt:WeightedAverageMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputCostToSellMember botj:DiscountedAppraisedValueMember 2026-03-31 0001275101 srt:MinimumMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputDefaultRateMember botj:DiscountedAppraisedValueMember 2026-03-31 0001275101 srt:MinimumMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputCostToSellMember botj:DiscountedAppraisedValueMember 2026-03-31 0001275101 srt:MaximumMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputDefaultRateMember botj:DiscountedAppraisedValueMember 2026-03-31 0001275101 srt:MaximumMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputCostToSellMember botj:DiscountedAppraisedValueMember 2026-03-31 0001275101 srt:WeightedAverageMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputDefaultRateMember botj:DiscountedAppraisedValueMember 2025-12-31 0001275101 srt:WeightedAverageMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputCostToSellMember botj:DiscountedAppraisedValueMember 2025-12-31 0001275101 srt:MinimumMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputDefaultRateMember botj:DiscountedAppraisedValueMember 2025-12-31 0001275101 srt:MinimumMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputCostToSellMember botj:DiscountedAppraisedValueMember 2025-12-31 0001275101 srt:MaximumMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputDefaultRateMember botj:DiscountedAppraisedValueMember 2025-12-31 0001275101 srt:MaximumMember botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:MeasurementInputCostToSellMember botj:DiscountedAppraisedValueMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesNonOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0001275101 us-gaap:RealEstateMember us-gaap:ResidentialPortfolioSegmentMember 2026-03-31 0001275101 us-gaap:RealEstateMember us-gaap:ConsumerPortfolioSegmentMember 2026-03-31 0001275101 us-gaap:RealEstateMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2026-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0001275101 botj:BusinessOtherAssetsMember us-gaap:CommercialPortfolioSegmentMember 2026-03-31 0001275101 us-gaap:RealEstateMember 2026-03-31 0001275101 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-03-31 0001275101 us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-03-31 0001275101 us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-03-31 0001275101 us-gaap:FinancialAssetPastDueMember 2026-03-31 0001275101 us-gaap:FinancialAssetNotPastDueMember 2026-03-31 0001275101 botj:BusinessOtherAssetsMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:SubstandardMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:SpecialMentionMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PassMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:SubstandardMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:PassMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:SubstandardMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:PassMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:SubstandardMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:PassMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:SubstandardMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:PassMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesNonOwnerOccupiedMember us-gaap:SubstandardMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesNonOwnerOccupiedMember us-gaap:PassMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesNonOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember us-gaap:SubstandardMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember us-gaap:PassMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember 2025-12-31 0001275101 us-gaap:RealEstateMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0001275101 us-gaap:RealEstateMember us-gaap:ConsumerPortfolioSegmentMember 2025-12-31 0001275101 us-gaap:RealEstateMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesNonOwnerOccupiedMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember 2025-12-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2025-12-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2025-12-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-12-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001275101 botj:BusinessOtherAssetsMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0001275101 us-gaap:SubstandardMember 2025-12-31 0001275101 us-gaap:SpecialMentionMember 2025-12-31 0001275101 us-gaap:RealEstateMember 2025-12-31 0001275101 us-gaap:PassMember 2025-12-31 0001275101 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001275101 us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001275101 us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001275101 us-gaap:FinancialAssetPastDueMember 2025-12-31 0001275101 us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001275101 botj:BusinessOtherAssetsMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember 2026-01-01 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember 2026-01-01 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2025-01-01 2025-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember 2025-01-01 2025-03-31 0001275101 botj:LoansWithAcclMember us-gaap:AssetPledgedAsCollateralMember 2026-03-31 0001275101 us-gaap:UnfundedLoanCommitmentMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-03-31 0001275101 botj:LoansWithAcclMember us-gaap:AssetPledgedAsCollateralMember 2025-12-31 0001275101 us-gaap:UnfundedLoanCommitmentMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember 2025-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember 2025-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember 2025-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember 2025-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember 2024-12-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember 2024-12-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-12-31 0001275101 us-gaap:CommercialPortfolioSegmentMember 2024-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember 2025-01-01 2025-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember 2026-01-01 2026-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember 2026-01-01 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember 2025-01-01 2025-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-03-31 0001275101 us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0001275101 us-gaap:RetainedEarningsMember 2025-01-01 2025-03-31 0001275101 srt:WeightedAverageMember botj:IrlcsAssetMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember botj:MeasurementInputRangeOfPullThroughRateMember us-gaap:MarketApproachValuationTechniqueMember 2026-03-31 0001275101 srt:MinimumMember botj:IrlcsAssetMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember botj:MeasurementInputRangeOfPullThroughRateMember us-gaap:MarketApproachValuationTechniqueMember 2026-03-31 0001275101 srt:MaximumMember botj:IrlcsAssetMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember botj:MeasurementInputRangeOfPullThroughRateMember us-gaap:MarketApproachValuationTechniqueMember 2026-03-31 0001275101 srt:WeightedAverageMember botj:IrlcsAssetMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember botj:MeasurementInputRangeOfPullThroughRateMember us-gaap:MarketApproachValuationTechniqueMember 2025-12-31 0001275101 srt:MinimumMember botj:IrlcsAssetMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember botj:MeasurementInputRangeOfPullThroughRateMember us-gaap:MarketApproachValuationTechniqueMember 2025-12-31 0001275101 srt:MaximumMember botj:IrlcsAssetMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember botj:MeasurementInputRangeOfPullThroughRateMember us-gaap:MarketApproachValuationTechniqueMember 2025-12-31 0001275101 us-gaap:OperatingSegmentsMember botj:CommunityBankingMember 2025-12-31 0001275101 botj:TwentyTwentyOfferingMember 2025-01-01 2025-06-30 0001275101 botj:NationalBankOfBlacksburgMember 2025-09-30 2025-09-30 0001275101 botj:TwentyTwentyOfferingMember 2026-01-01 2026-03-31 0001275101 botj:NationalBankOfBlacksburgMember 2022-06-30 0001275101 botj:NationalBankOfBlacksburgMember 2021-12-29 0001275101 2024-12-31 0001275101 us-gaap:FairValueInputsLevel1Member 2026-03-31 0001275101 us-gaap:FairValueInputsLevel1Member 2025-12-31 0001275101 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0001275101 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0001275101 us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0001275101 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-03-31 0001275101 us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-03-31 0001275101 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2026-03-31 0001275101 us-gaap:MortgageBackedSecuritiesMember 2026-03-31 0001275101 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2026-03-31 0001275101 us-gaap:CorporateDebtSecuritiesMember 2026-03-31 0001275101 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2026-03-31 0001275101 us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0001275101 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0001275101 us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0001275101 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0001275101 us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0001275101 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2025-12-31 0001275101 us-gaap:MortgageBackedSecuritiesMember 2025-12-31 0001275101 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2025-12-31 0001275101 us-gaap:CorporateDebtSecuritiesMember 2025-12-31 0001275101 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-12-31 0001275101 us-gaap:CorporateDebtSecuritiesMember 2026-03-31 0001275101 us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-03-31 0001275101 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2026-03-31 0001275101 us-gaap:MortgageBackedSecuritiesMember 2026-03-31 0001275101 us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0001275101 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2025-12-31 0001275101 us-gaap:MortgageBackedSecuritiesMember 2025-12-31 0001275101 us-gaap:CorporateDebtSecuritiesMember 2025-12-31 0001275101 us-gaap:OperatingSegmentsMember botj:InvestmentAdvisoryServicesMember 2025-12-31 0001275101 botj:IrlcsAssetMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember botj:MeasurementInputRangeOfPullThroughRateMember us-gaap:MarketApproachValuationTechniqueMember 2026-03-31 0001275101 botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2026-03-31 0001275101 us-gaap:FairValueInputsLevel3Member 2026-03-31 0001275101 us-gaap:FairValueInputsLevel2Member 2026-03-31 0001275101 botj:IrlcsAssetMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember botj:MeasurementInputRangeOfPullThroughRateMember us-gaap:MarketApproachValuationTechniqueMember 2025-12-31 0001275101 botj:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2025-12-31 0001275101 us-gaap:FairValueInputsLevel3Member 2025-12-31 0001275101 us-gaap:FairValueInputsLevel2Member 2025-12-31 0001275101 botj:LoansWithAcclMember us-gaap:AssetPledgedAsCollateralMember 2026-01-01 2026-03-31 0001275101 botj:LoansHeldForSaleMember 2026-01-01 2026-03-31 0001275101 botj:LoansHeldForSaleMember 2025-01-01 2025-12-31 0001275101 us-gaap:OperatingSegmentsMember botj:MortgageMember 2026-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:InvestmentAdvisoryServicesMember 2026-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:HoldingCompanyMember 2026-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:CommunityBankingMember 2026-03-31 0001275101 us-gaap:IntersegmentEliminationMember 2026-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:MortgageMember 2025-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:InvestmentAdvisoryServicesMember 2025-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:HoldingCompanyMember 2025-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:CommunityBankingMember 2025-03-31 0001275101 us-gaap:IntersegmentEliminationMember 2025-03-31 0001275101 2026-05-13 0001275101 botj:TwentyTwentyOfferingMember 2020-04-13 0001275101 us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-01-01 2026-03-31 0001275101 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2026-01-01 2026-03-31 0001275101 us-gaap:CorporateDebtSecuritiesMember 2026-01-01 2026-03-31 0001275101 srt:StandardPoorsBBBRatingMember 2026-01-01 2026-03-31 0001275101 srt:StandardPoorsARatingMember 2026-01-01 2026-03-31 0001275101 srt:StandardPoorsAARatingMember 2026-01-01 2026-03-31 0001275101 srt:StandardPoorsAAARatingMember 2026-01-01 2026-03-31 0001275101 botj:NonRatedMember 2026-01-01 2026-03-31 0001275101 botj:NonPublicFinancialInstitutionsMember 2026-01-01 2026-03-31 0001275101 us-gaap:DoubtfulMember 2026-03-31 0001275101 us-gaap:DoubtfulMember 2025-12-31 0001275101 us-gaap:OperatingSegmentsMember botj:InvestmentAdvisoryServicesMember 2026-01-01 2026-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:HoldingCompanyMember 2026-01-01 2026-03-31 0001275101 us-gaap:IntersegmentEliminationMember 2026-01-01 2026-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:InvestmentAdvisoryServicesMember 2025-01-01 2025-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:HoldingCompanyMember 2025-01-01 2025-03-31 0001275101 us-gaap:IntersegmentEliminationMember 2025-01-01 2025-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0001275101 2025-12-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:SubstandardMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember us-gaap:PassMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:SubstandardMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember us-gaap:PassMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:SubstandardMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember us-gaap:PassMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:SubstandardMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember us-gaap:PassMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:SubstandardMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:SpecialMentionMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember us-gaap:PassMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesNonOwnerOccupiedMember us-gaap:SubstandardMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesNonOwnerOccupiedMember us-gaap:PassMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember us-gaap:SubstandardMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember us-gaap:PassMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ResidentialMortgageMember 2026-03-31 0001275101 us-gaap:ResidentialPortfolioSegmentMember botj:ResidentialConsumerConstructionMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerOpenEndMember 2026-03-31 0001275101 us-gaap:ConsumerPortfolioSegmentMember botj:ConsumerClosedEndMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesOwnerOccupiedMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialMortgagesNonOwnerOccupiedMember 2026-03-31 0001275101 us-gaap:CommercialRealEstatePortfolioSegmentMember botj:CommercialConstructionMember 2026-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2026-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2026-03-31 0001275101 us-gaap:SubstandardMember 2026-03-31 0001275101 us-gaap:SpecialMentionMember 2026-03-31 0001275101 us-gaap:PassMember 2026-03-31 0001275101 us-gaap:CommercialPortfolioSegmentMember 2026-03-31 0001275101 botj:NationalBankOfBlacksburgMember 2026-03-31 0001275101 botj:NationalBankOfBlacksburgMember 2025-12-31 0001275101 botj:NationalBankOfBlacksburgMember 2025-08-18 0001275101 botj:NationalBankOfBlacksburgMember 2026-01-01 2026-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:MortgageMember 2026-01-01 2026-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:CommunityBankingMember 2026-01-01 2026-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:MortgageMember 2025-01-01 2025-03-31 0001275101 us-gaap:OperatingSegmentsMember botj:CommunityBankingMember 2025-01-01 2025-03-31 0001275101 2025-01-01 2025-03-31 0001275101 2026-03-31 0001275101 2025-03-31 0001275101 2026-01-01 2026-03-31 botj:segment iso4217:USD xbrli:shares xbrli:shares xbrli:pure botj:security botj:item botj:loan iso4217:USD Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C.
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Quarterly
Annual
QUARTERLYFiled 2026-03-31
Q4 2025 · Quarter highlights
Revenue—
Operating income—
Net income$2.8M
Free cash flow$4.4M
EPS—
Operating cash flow$4.7M
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income$2.8M
Balance sheet
Total assets$1.06B
Total liabilities$979.9M
Total equity$81.3M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$4.7M
CapEx$382.0k
Free cash flow$4.4M
SBC—
QUARTERLYFiled 2025-09-30
Q2 2025 · Quarter highlights
Revenue—
Operating income—
Net income$6.3M
Free cash flow$9.2M
EPS—
Operating cash flow$9.7M
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income$6.3M
Balance sheet
Total assets$1.02B
Total liabilities$943.2M
Total equity$77.0M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$9.7M
CapEx$532.0k
Free cash flow$9.2M
SBC—
QUARTERLYFiled 2025-06-30
Q1 2025 · Quarter highlights
Revenue—
Operating income—
Net income$3.5M
Free cash flow$3.7M
EPS—
Operating cash flow$4.4M
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income$3.5M
Balance sheet
Total assets$1.00B
Total liabilities$932.6M
Total equity$71.7M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$4.4M
CapEx$747.0k
Free cash flow$3.7M
SBC—
ANNUALFiled 2025-12-31
FY 2025 · Full-year highlights
Revenue—
Operating income—
Net income$9.0M
Free cash flow$10.5M
EPS—
Operating cash flow$11.7M
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income$9.0M
Balance sheet
Total assets$1.04B
Total liabilities$959.0M
Total equity$80.0M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$11.7M
CapEx$1.2M
Free cash flow$10.5M
SBC—
ANNUALFiled 2024-12-31
FY 2024 · Full-year highlights
Revenue—
Operating income—
Net income$7.9M
Free cash flow$6.0M
EPS—
Operating cash flow$8.5M
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income$7.9M
Balance sheet
Total assets$979.2M
Total liabilities$914.4M
Total equity$64.9M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$8.5M
CapEx$2.5M
Free cash flow$6.0M
SBC—
ANNUALFiled 2024-12-31
FY 2025 · Full-year highlights
Revenue—
Operating income—
Net income$7.9M
Free cash flow$6.0M
EPS—
Operating cash flow$8.5M
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income$7.9M
Balance sheet
Total assets$979.2M
Total liabilities$914.4M
Total equity$64.9M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$8.5M
CapEx$2.5M
Free cash flow$6.0M
SBC—
ANNUALFiled 2023-12-31
FY 2023 · Full-year highlights
Revenue—
Operating income—
Net income$8.7M
Free cash flow$7.9M
EPS—
Operating cash flow$9.5M
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income$8.7M
Balance sheet
Total assets$969.4M
Total liabilities$909.3M
Total equity$60.0M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$9.5M
CapEx$1.6M
Free cash flow$7.9M
SBC—
ANNUALFiled 2023-12-31
FY 2024 · Full-year highlights
Revenue—
Operating income—
Net income$8.7M
Free cash flow$7.9M
EPS—
Operating cash flow$9.5M
Financials
Income statement
Revenue—
Gross profit—
Operating income—
Net income$8.7M
Balance sheet
Total assets$969.4M
Total liabilities$909.3M
Total equity$60.0M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$9.5M
CapEx$1.6M
Free cash flow$7.9M
SBC—
Valuation FY
Market price
$27,16
Market cap
$134.9M
Enterprise valueⓘ
—
P/Eⓘ
15.0x
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
—
P / Bⓘ
1.8x
P / Tangible bookⓘ
1.8x
Tangible book
$73.2M
Net cashⓘ
—
Current ratioⓘ
—
Debt / equityⓘ
—
ROAⓘ
0.3%
ROEⓘ
3.4%
Cash conversionⓘ
171.0%
CapEx / revenueⓘ
—
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Brokerage Services—
low · business_description · 2026-07-03
Commercial Banking—
low · business_description · 2026-07-03
Insurance Agency & Brokerage—
low · business_description · 2026-07-03
Mortgage & Home Lending—
low · business_description · 2026-07-03
Retail Banking—
low · business_description · 2026-07-03
Wealth Management—
low · business_description · 2026-07-03
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
Peer comparison8 peers · vs BOTJ · multiples and returns
BA
BAC—
Bank Of America Corp
$62,26
461,8B USDP/E
14,5x
-34,2 vs self
Div yield
1,8 %
+0,5 vs self
ROE
10,2 %
+6,7 vs self
BA
BACRP—
BACRP.PK
—
—P/E
—
— vs self
Div yield
—
— vs self
ROE
—
— vs self
WF
WFCNP—
WFCNP.PK
—
—P/E
—
— vs self
Div yield
—
— vs self
ROE
—
— vs self
MU
MUFG—
Mitsubishi Ufj Finl-spon Adr
$22,01
—P/E
—
— vs self
Div yield
229,3 %
+228,0 vs self
ROE
—
— vs self
MF
MFG—
Mizuho Financial Group
—
—P/E
—
— vs self
Div yield
—
— vs self
ROE
—
— vs self
SH
SHG—
Shinhan Financial Group
—
—P/E
—
— vs self
Div yield
—
— vs self
ROE
—
— vs self
NW
NWG—
Natwest Group PLC -spon Adr
—
—P/E
—
— vs self
Div yield
—
— vs self
ROE
—
— vs self
IT
ITUB—
ITAU UNIBANCO S.A.
$41,88
226,3B USDP/E
1,0x
-47,6 vs self
Div yield
5,8 %
+4,5 vs self
ROE
21,9 %
+18,5 vs self
Market position
Stress test
— missing data
Predictor forecast
Corporate eventM&A horizon
M&A probabilityconf 5 %
Probability
5 %
Base rate
3 %
Band
—
180-day horizon · target 2027-01-16 · 1,8× base rate
No acquirer candidates identified by the signal model.
Probabilistic model output — not investment advice. · generated 2026-07-20
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
— missing data
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskMedium
Liquidity riskUnknown
Filing-based flags
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
ROE3,4 %Below median
D/E0,00Above median
Cash Conv1,71Above median
Corporate actions / M&A
M&A probabilityconf —
Probability
5 %
Base rate
3 %
Band
Moderate
180-day horizon · target 2027-01-16 · 1,8× base rate
No acquirer candidates identified by the signal model.
Corporate actionsNo corporate-action source connected yet — splits, dividends and buyback events are not tracked for this company. Honest-dim (no data fabricated).
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
How metrics are computed
- Cash Conversion Ratiooperating_cash_flow / net_income
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Return On Equitynet_income / total_equity
- Market Capmarket_price * shares_outstanding_diluted
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Source documents
- BANK OF THE JAMES FINANCIAL GROUP INC company facts · 2026-08-01
- BANK OF THE JAMES FINANCIAL GROUP INC 10-Q 2026-05-12 · 2026-08-01
- BANK OF THE JAMES FINANCIAL GROUP INC 10-K 2026-03-27 · 2026-08-01
- BANK OF THE JAMES FINANCIAL GROUP INC 10-Q 2025-11-14 · 2026-08-01
- BANK OF THE JAMES FINANCIAL GROUP INC 10-Q 2025-08-13 · 2026-08-01
- 8-K (sec_8k_material) on BOTJ · 2026-08-01
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2025-12-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$1M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2024-06-300,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Insider activity
Net buying24 buys · 0 sellsnet $185K8 insiders · last 365d
- Director · Common Stock, Par Value 2.14Bought 1 000 @ $23,40$23K · 2026-05-07
- Director · Common Stock, Par Value 2.14Bought 82 @ $23,18$2K · 2026-05-07
- Director · Common Stock, Par Value 2.14Bought 1 043 @ $23,11$24K · 2026-05-06
- Director, President · Common Stock, Par Value 2.14Bought 1 200 @ $20,89$25K · 2026-02-20
- Director · Common Stock, Par Value 2.14Bought 600 @ $20,82$12K · 2026-02-19
- Director · Common Stock, Par Value 2.14Bought 396 @ $20,00$8K · 2026-02-12
- Director · Common Stock, Par Value 2.14Bought 93 @ $20,50$2K · 2026-02-10
- EVP · Common Stock, Par Value 2.14Bought 60 @ $17,92$1K · 2025-12-08
- Director · Common Stock, Par Value 2.14Bought 100 @ $17,59$2K · 2025-11-25
- Director · Common Stock, Par Value 2.14Bought 1 014 @ $16,65$17K · 2025-11-24
- Director, President · Common Stock, Par Value 2.14Bought 33 @ $18,04$595 · 2025-11-20
- EVP · Common Stock, Par Value 2.14Bought 49 @ $16,70$819 · 2025-11-18
- Director · Common Stock, Par Value 2.14Bought 589 @ $16,75$10K · 2025-11-18
- Director · Common Stock, Par Value 2.14Bought 113 @ $16,75$2K · 2025-11-17
- Director · Common Stock, Par Value 2.14Bought 59 @ $16,75$988 · 2025-11-17
- EVP · Common Stock, Par Value 2.14Bought 52 @ $15,80$819 · 2025-10-16
- EVP · Common Stock, Par Value 2.14Bought 94 @ $15,70$1K · 2025-09-29
- Director · Common Stock, Par Value $2.14Bought 2 525 @ $15,43$39K · 2025-08-25
- EVP · Common Stock, Par Value 2.14Bought 59 @ $13,99$819 · 2025-08-18
- Director, Secretary-Treasurer · Common Stock, Par Value 2.14Bought 356 @ $14,30$5K · 2025-08-14
- Director · Common Stock, Par Value 2.14Bought 134 @ $14,00$2K · 2025-08-13
- EVP - Chief Credit Officer · Common Stock, Par Value 2.14Bought 138 @ $13,88$2K · 2025-08-12
- President - Bank of the James · Common Stock, Par Value 2.14Bought 7 @ $14,00$98 · 2025-08-11
- President - Bank of the James · Common Stock, Par Value 2.14Bought 243 @ $13,97$3K · 2025-08-11
Short positioning
11.0Kshares short+84.0% vs prior
1days to cover
47.4%short of daily vol
1.4Kfails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
BOTJCanonical
Nasdaq · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskMedium
Liquidity riskUnknown
Source documents mention dilution or offering risk.
Relationship graph
This companyPeerSector
Evidence & claims
From filings & derived data- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 13.7%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 13.6%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 13.7%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 4.9%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 6.1%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 37.0%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 23.4%Derived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): -54.3%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 11.98xDerived (calculated)
- Return on equity (FY 2025-12-31): 11.3%Derived (calculated)
- Return on assets (FY 2025-12-31): 0.9%Derived (calculated)
- Total liabilities (annual): USD 958.98MSEC XBRL filing
- Operating cash flow (annual): USD 11.66MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 2SEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 2SEC XBRL filing
- Shares outstanding (annual): 4.54MSEC XBRL filing
- Total assets (annual): USD 1.04BSEC XBRL filing
- Capex (annual): USD 1.17MSEC XBRL filing
- Shareholders' equity (annual): USD 80.05MSEC XBRL filing
- Pre-tax income (annual): USD 11.14MSEC XBRL filing
- Net income (annual): USD 9.02MSEC XBRL filing
- Debt-to-equity (FY 2024-12-31): 14.10xDerived (calculated)
- Return on equity (FY 2024-12-31): 12.2%Derived (calculated)
- Return on assets (FY 2024-12-31): 0.8%Derived (calculated)
Showing 24 of 60 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-08-03 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
2026-08-03EVENTQ2 2026 earnings (expected) estimated date
2026-07-31 04:36 UTCFILINGMaterial 8-K
2026-06-30 03:38 UTCEARNINGSUpcomingForecast: ma_probability (180d)
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDER8 institutional position changes flagged
2026-05-07 00:00 UTCINSIDER3 insider transactions — 2026-05
2026-05-07 00:00 UTCINSIDER3 insider transactions — 2026-05
2026-05-07INSIDERADDISON LEWIS C bought 82 sh Common Stock, Par Value 2.14 — Director ~$2k
2026-05-07INSIDERJAMERSON PHILLIP C bought 1.0k sh Common Stock, Par Value 2.14 — Director ~$23k
2026-05-06INSIDERBRYANT WILLIAM C III bought 1.0k sh Common Stock, Par Value 2.14 — Director ~$24k
2026-03-31EARNINGSQuarterly results — Q4 2025 Net USD 2.8M
2026-02-20 00:00 UTCINSIDER4 insider transactions — 2026-02
2026-02-20 00:00 UTCINSIDER4 insider transactions — 2026-02
2026-02-20INSIDERCHAPMAN ROBERT R bought 1.2k sh Common Stock, Par Value 2.14 — Director, President ~$25k
2026-02-19INSIDERBRYANT WILLIAM C III bought 600 sh Common Stock, Par Value 2.14 — Director ~$12k
2026-02-12INSIDERBRYANT WILLIAM C III bought 396 sh Common Stock, Par Value 2.14 — Director ~$8k
2026-02-10INSIDERADDISON LEWIS C bought 93 sh Common Stock, Par Value 2.14 — Director ~$2k
2025-12-31EARNINGSQuarterly results — Q3 2025
2025-12-31EARNINGSAnnual results — FY 2025 Net USD 9.0M
2025-12-08 00:00 UTCINSIDER1 insider transaction — 2025-12
2025-12-08 00:00 UTCINSIDER1 insider transaction — 2025-12
2025-12-08INSIDERSORENSON ERIC JOHN JR bought 60 sh Common Stock, Par Value 2.14 — EVP ~$1k
2025-11-25 00:00 UTCINSIDER7 insider transactions — 2025-11
Showing the 40 most recent of 65 entries.
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data
Premium coverage