Bank of THE James Financial Group Inc. (BOTJ)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 1275101 · fiscal year ends in Dec
Closing price $23.70 on 30 Oct 2026; 52-week range $16.24 to $29.98.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $51.8M
- Revenue growth
- 12.1%
- Net income, last twelve months
- $11.5M
- Earnings per share
- $2.53
- Net margin
- 22.2%
- Return on equity
- 13.8%
- Market value
- $107.7M
- Price to earnings
- 9.4x
- Dividend yield
- 1.7%
- Cash
- $35.5M
- Debt
- $8.7M
- Debt to equity
- 0.10
- Shares outstanding
- 4.5M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $48.7M | – | $9.0M | $1.99 | $10.5M | 10-K filed 27 Mar 2026 |
| FY2024 | 31 Dec 2024 | $44.4M | – | $7.9M | $1.75 | $6.0M | 10-K filed 26 Mar 2025 |
| FY2023 | 31 Dec 2023 | $42.6M | – | $8.7M | $1.91 | $7.9M | 10-K filed 27 Mar 2024 |
| FY2022 | 31 Dec 2022 | $42.9M | – | $9.0M | $1.91 | $8.1M | 10-K filed 31 Mar 2023 |
| FY2021 | 31 Dec 2021 | $38.3M | – | $7.6M | $1.60 | $13.4M | 10-K filed 29 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $13.7M | $3.2M | $0.71 |
| Q1 FY2026 | 31 Mar 2026 | $12.7M | $2.8M | $0.61 |
| Q4 FY2025 | 31 Dec 2025 | $12.9M | $2.7M | $0.60 |
| Q3 FY2025 | 30 Sep 2025 | $12.5M | $2.8M | $0.61 |
| Q2 FY2025 | 30 Jun 2025 | $12.3M | $2.7M | $0.60 |
| Q1 FY2025 | 31 Mar 2025 | $11.0M | $842.0K | $0.19 |
| Q4 FY2024 | 31 Dec 2024 | $11.5M | $1.6M | $0.36 |
| Q3 FY2024 | 30 Sep 2024 | $11.3M | $2.0M | $0.44 |
Company events
The newest 8-K filings of 182 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 30 Oct 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 30 Jul 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 20 May 2026 | 8-K | Shareholder vote | 5.07, 9.01 |
| 30 Apr 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 4 Feb 2026 | 8-K | Results | 2.02, 9.01 |
| 28 Jan 2026 | 8-K | Other events | 8.01, 9.01 |
| 9 Jan 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 30 Oct 2025 | 8-K | Leadership change | 5.02, 9.01 |
| 30 Oct 2025 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 20 Aug 2025 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 5 Aug 2025 | 8-K/A | Results | 2.02, 9.01 |
| 4 Aug 2025 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 359 held.
| Filed | Form | Period |
|---|---|---|
| 30 Oct 2026 | 8-K | 27 Oct 2026 |
| 12 Aug 2026 | 10-Q | 30 Jun 2026 |
| 30 Jul 2026 | 8-K | 28 Jul 2026 |
| 20 May 2026 | 8-K | 19 May 2026 |
| 12 May 2026 | 10-Q | 31 Mar 2026 |
| 30 Apr 2026 | 8-K | 28 Apr 2026 |
| 6 Apr 2026 | ARS | 31 Dec 2025 |
| 6 Apr 2026 | DEFA14A | – |
| 6 Apr 2026 | DEF 14A | 6 Apr 2026 |
| 27 Mar 2026 | 10-K | 31 Dec 2025 |
| 4 Feb 2026 | 8-K | 4 Feb 2026 |
| 28 Jan 2026 | 8-K | 27 Jan 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 7 Aug 2026 | Syrek Michael A, President - Bank of the James | Purchase | 100 | $27.05 | $2.7K | 13,700 | 12 Aug 2026 |
| 10 Aug 2026 | Addison Lewis C, Director | Purchase | 70 | $27.21 | $1.9K | 19,791 | 11 Aug 2026 |
| 6 Aug 2026 | Foster Watt R Jr, Director | Purchase | 447 | $28.01 | $12.5K | 126,360 | 10 Aug 2026 |
| 6 Aug 2026 | Bryant William C Iii, Director | Purchase | 650 | $27.10 | $17.6K | 78,366 | 10 Aug 2026 |
| 7 May 2026 | Jamerson Phillip C, Director | Purchase | 1,000 | $23.40 | $23.4K | 18,190 | 8 May 2026 |
| 7 May 2026 | Addison Lewis C, Director | Purchase | 82 | $23.18 | $1.9K | 19,721 | 7 May 2026 |
| 6 May 2026 | Bryant William C Iii, Director | Purchase | 1,043 | $23.11 | $24.1K | 77,716 | 7 May 2026 |
| 20 Feb 2026 | Chapman Robert R, President | Purchase | 1,200 | $20.89 | $25.1K | 124,118 | 20 Feb 2026 |
| 19 Feb 2026 | Bryant William C Iii, Director | Purchase | 600 | $20.82 | $12.5K | 76,673 | 20 Feb 2026 |
| 12 Feb 2026 | Bryant William C Iii, Director | Purchase | 396 | $20.00 | $7.9K | 76,073 | 20 Feb 2026 |
| 10 Feb 2026 | Addison Lewis C, Director | Purchase | 93 | $20.50 | $1.9K | 19,639 | 11 Feb 2026 |
| 25 Nov 2025 | Jamerson Phillip C, Director | Purchase | 100 | $17.59 | $1.8K | 17,190 | 1 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | Fourthstone LLC | 13G amended | 7.36% | 334.5K |
| 15 May 2026 | Fourthstone LLC | 13G amended | 8.48% | 385.5K |
| 15 May 2026 | PETTYJOHN, WOOD & WHITE, INC | 13G amended | 4.94% | 224.3K |
| 13 Feb 2026 | Fourthstone LLC | 13G | 7.09% | 321.9K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 27.0K | +86.49% | 1 |
| 30 Sep 2026 | 14.5K | -19% | 1 |
| 15 Sep 2026 | 17.9K | +34.64% | 1 |
| 31 Aug 2026 | 13.3K | +45.86% | 1 |
| 14 Aug 2026 | 9.1K | -37.97% | 1 |
| 31 Jul 2026 | 14.7K | +33.4% | 1 |
| 15 Jul 2026 | 11.0K | +83.97% | 1 |
| 30 Jun 2026 | 6.0K | -30.89% | 1 |
Funds that hold it
From each fund's latest Form 13F.
44 funds held it at 30 Jun 2026: 29 added and 9 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Fourthstone LLC | 334,491 | $8.6M | -51,007 |
| Pettyjohn, Wood & White, Inc. | 218,859 | $5.6M | -5,400 |
| Vanguard Capital Management LLC | 159,256 | $4.1M | -516 |
| Captrust Financial Advisors | 143,977 | $3.7M | -3,333 |
| Daytona Street Capital LLC | 79,078 | $2.0M | -78,045 |
| North Reef Capital Management LP | 50,132 | $1.3M | +50,132 |
| Geode Capital Management, LLC | 42,202 | $1.1M | +6,747 |
| Bridgeway Capital Management, LLC | 37,682 | $961.6K | +1,444 |
| Dimensional Fund Advisors LP | 37,178 | $948.4K | +3,720 |
| Susquehanna International Group, LLP | 35,058 | $894.7K | +35,058 |
Peers
Companies in the same industry.
- Bank of Nova Scotia (BNS): revenue $27.0B, market value $115.9B
- Bank of New York Mellon Corp. (BNY): revenue $22.0B, market value $99.0B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $78.6B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $48.9B
- State Street Corp. (STT): revenue $15.5B, market value $46.3B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $31.9B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $30.7B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.0B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $26.9B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $26.6B