BOTJ on Nasdaq
BANK OF THE JAMES FINANCIAL GROUP INC
American state commercial bank, incorporated in Virginia1
In its 2026 annual report the company says: “The Bank is a Virginia banking corporation headquartered in Lynchburg, Virginia.”4 Its shares trade on Nasdaq under the symbol BOTJ.1
Price unavailable
Last updated Oct 21, 2026.
Overview
Compare with NEW PEOPLES BANKSHARES INC, RBB Bancorp or MVB FINANCIAL CORP, or pick any stock.
- TickerBOTJ on Nasdaq1
- IndustryState Commercial Banks1
- HeadquartersLynchburg, Virginia1
- Incorporated inVA2
- Business addressP O Box 1200, Lynchburg, Va 245052
- Filer categoryNon-accelerated filer, Smaller reporting company2
See how the biggest companies compare on our leaderboards
Bank of the James Financial Group, Inc. (“Financial” or the “Company”) is a bank holding company headquartered in Lynchburg, Virginia. Financial was incorporated on October 3, 2003 to serve as the bank holding company for Bank of the James (the “Bank” or “Bank of the James”) and acquired all of the outstanding shares of the Bank in a statutory share exchange on a one-for-one basis effective January 1, 2004.4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax19¢$2.1M
- Profit81¢$9.0M
Out of $4.3M in revenue.5
Where each dollar of operating cash went, fiscal 2025
- Capital spending10¢$1.2M
- Dividends paid16¢$1.8M
- Kept or used elsewhere74¢$8.7M
Out of $11.7M of cash from operations.5
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans | $37.3M | $34.5M |
| US Government and agency obligations | $2.1M | $1.5M |
| Mortgage backed securities | $1.5M | $2.3M |
| Municipals - taxable | $1.4M | $1.2M |
| Municipals - tax exempt | $135.0K | $73.0K |
| Dividends | $98.0K | $95.0K |
| Corporates | $530.0K | $543.0K |
| Interest bearing deposits | $559.0K | $775.0K |
| Federal Funds sold | $3.0M | $3.6M |
| Total interest income | $46.7M | $44.6M |
| NOW, money market and savings | $4.9M | $5.5M |
| Time deposits | $8.3M | $9.2M |
| Finance leases | $65.0K | $76.0K |
| Other borrowings | $389.0K | $376.0K |
| Capital notes | $163.0K | $327.0K |
| Total interest expense | $13.8M | $15.4M |
| Net interest income | $32.8M | $29.2M |
| Recovery of credit losses | -$35.0K | -$655.0K |
| Net interest income after recovery of credit losses | $32.8M | $29.9M |
| Gains on sales of loans held for sale | $4.9M | $4.5M |
| Service charges, fees and commissions | $4.3M | $4.0M |
| Wealth management fees | $5.3M | $4.8M |
| Life insurance income | $769.0K | $721.0K |
| Income from SBIC fund | $506.0K | $934.0K |
| Other | $77.0K | $80.0K |
| Gain on sales of securities, net | $27.0K | $62.0K |
| Total noninterest income | $15.9M | $15.1M |
| Salaries and employee benefits | $21.0M | $19.3M |
| Occupancy | $2.1M | $2.0M |
| Equipment | $2.8M | $2.5M |
| Supplies | $631.0K | $542.0K |
| Professional and other outside expense | $4.0M | $3.5M |
| Data processing | $2.5M | $3.1M |
| Marketing | $867.0K | $768.0K |
| Credit expense | $904.0K | $816.0K |
| FDIC insurance expense | $518.0K | $441.0K |
| Amortization of intangibles | $561.0K | $560.0K |
| Other | $1.8M | $1.7M |
| Total noninterest expenses | $37.5M | $35.1M |
| Income before income taxes | $11.1M | $9.9M |
| Income tax expense | $2.1M | $2.0M |
| Net Income | $9.0M | $7.9M |
| Weighted average shares outstanding - basic | 4.5M shares | 4.5M shares |
| Weighted average shares outstanding - diluted | 4.5M shares | 4.5M shares |
| Earnings per common share basic | $1.99 | $1.75 |
| Earnings per common share - diluted | $1.99 | $1.75 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $28.5M | $23.3M | |
| Federal funds sold | $55.9M | $50.0M | |
| Total cash and cash equivalents | $84.5M | $73.3M | |
| Securities held-to-maturity, at amortized cost (fair value of $3,315 and $3,170 as of December 31, 2025 and 2024, respectively) | $3.6M | $3.6M | |
| Securities available-for-sale, at fair value | $214.1M | $187.9M | |
| Restricted stock, at cost | $1.8M | $1.8M | |
| Loans, net of allowance for credit losses of $6,450 as of December 31, 2025 and $7,044 as of December 31, 2024 | $661.4M | $636.6M | |
| Loans held for sale | $3.5M | $3.6M | |
| Premises and equipment, net | $19.1M | $19.3M | |
| Interest receivable | $3.4M | $3.1M | |
| Cash value - bank owned life insurance | $23.7M | $22.9M | |
| Customer relationship intangible | $6.2M | $6.7M | |
| Goodwill | $2.1M | $2.1M | |
| Other assets | $15.8M | $18.4M | |
| Total assets | $1.0B | $979.2M | |
| Noninterest bearing demand | $131.5M | $129.7M | |
| NOW, money market and savings | $570.3M | $522.2M | |
| Time | $235.3M | $230.5M | |
| Total deposits | $937.1M | $882.4M | |
| Capital notes, net | $10.0M | ||
| Other borrowings | $8.8M | $9.3M | |
| Interest payable | $1.2M | $722.0K | |
| Other liabilities | $11.9M | $11.9M | |
| Total liabilities | $959.0M | $914.4M | |
| Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,543,338 as of December 31, 2025 and December 31, 2024 | $9.7M | $9.7M | |
| Additional paid-in-capital | $35.3M | $35.3M | |
| Retained earnings | $50.0M | $42.8M | |
| Accumulated other comprehensive loss | -$14.9M | -$22.9M | |
| Total stockholders equity | $80.0M | $64.9M | $60.0M |
| Total liabilities and stockholders equity | $1.0B | $979.2M | |
| Securities held-to-maturity, fair value | $3.3M | $3.2M | |
| Allowance for credit losses | $6.5M | $7.0M | $7.4M |
| Common stock, par value | $2.14 | $2.14 | |
| Common stock, shares authorized | 10.0M shares | 10.0M shares | |
| Common stock, shares issued | 4.5M shares | 4.5M shares | |
| Common stock, shares outstanding | 4.5M shares | 4.5M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $28.5M | $23.3M | |
| Federal funds sold | $55.9M | $50.0M | |
| Total cash and cash equivalents | $84.5M | $73.3M | |
| Securities held-to-maturity, at amortized cost (fair value of $3,315 and $3,170 as of December 31, 2025 and 2024, respectively) | $3.6M | $3.6M | |
| Securities available-for-sale, at fair value | $214.1M | $187.9M | |
| Restricted stock, at cost | $1.8M | $1.8M | |
| Loans, net of allowance for credit losses of $6,450 as of December 31, 2025 and $7,044 as of December 31, 2024 | $661.4M | $636.6M | |
| Loans held for sale | $3.5M | $3.6M | |
| Premises and equipment, net | $19.1M | $19.3M | |
| Interest receivable | $3.4M | $3.1M | |
| Cash value - bank owned life insurance | $23.7M | $22.9M | |
| Customer relationship intangible | $6.2M | $6.7M | |
| Goodwill | $2.1M | $2.1M | |
| Other assets | $15.8M | $18.4M | |
| Total assets | $1.0B | $979.2M | |
| Noninterest bearing demand | $131.5M | $129.7M | |
| NOW, money market and savings | $570.3M | $522.2M | |
| Time | $235.3M | $230.5M | |
| Total deposits | $937.1M | $882.4M | |
| Capital notes, net | $10.0M | ||
| Other borrowings | $8.8M | $9.3M | |
| Interest payable | $1.2M | $722.0K | |
| Other liabilities | $11.9M | $11.9M | |
| Total liabilities | $959.0M | $914.4M | |
| Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,543,338 as of December 31, 2025 and December 31, 2024 | $9.7M | $9.7M | |
| Additional paid-in-capital | $35.3M | $35.3M | |
| Retained earnings | $50.0M | $42.8M | |
| Accumulated other comprehensive loss | -$14.9M | -$22.9M | |
| Total stockholders equity | $80.0M | $64.9M | $60.0M |
| Total liabilities and stockholders equity | $1.0B | $979.2M | |
| Securities held-to-maturity, fair value | $3.3M | $3.2M | |
| Allowance for credit losses | $6.5M | $7.0M | $7.4M |
| Common stock, par value | $2.14 | $2.14 | |
| Common stock, shares authorized | 10.0M shares | 10.0M shares | |
| Common stock, shares issued | 4.5M shares | 4.5M shares | |
| Common stock, shares outstanding | 4.5M shares | 4.5M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net Income | $9.0M | $7.9M |
| Depreciation and amortization | $1.3M | $1.4M |
| Net amortization and accretion of premiums and discounts on securities | $211.0K | $571.0K |
| Amortization of debt issuance costs | $2.0K | $6.0K |
| Gain on sales of available-for-sale securities, net | -$27.0K | -$62.0K |
| Gain on sale of equipment | -$28.0K | |
| Gain on sales of loans held for sale | -$4.9M | -$4.5M |
| Proceeds from sales of loans held for sale | $177.4M | $192.8M |
| Origination of loans held for sale | -$172.4M | -$190.7M |
| Deferred income taxes | -$156.0K | $28.0K |
| Recovery of credit losses | -$35.0K | -$655.0K |
| Amortization of intangibles | $561.0K | $560.0K |
| Bank owned life insurance income | -$769.0K | -$721.0K |
| Increase in accrued interest receivable | -$315.0K | -$230.0K |
| Decrease in other assets | $979.0K | $50.0K |
| Increase in interest payable | $445.0K | $242.0K |
| Increase in other liabilities | $298.0K | $1.8M |
| Net cash provided by operating activities | $11.7M | $8.5M |
| Purchases of securities available-for-sale | -$44.3M | -$20.8M |
| Proceeds from maturities, calls and paydowns of securities available-for-sale | $23.8M | $15.9M |
| Proceeds from sales of securities available-for-sale | $4.2M | $31.4M |
| Purchases of bank owned life insurance | -$600.0K | |
| Purchases of restricted securities | -$7.0K | -$280.0K |
| Origination of loans, net of principal collected | -$24.6M | -$34.1M |
| Purchases of premises and equipment | -$1.2M | -$2.5M |
| Proceeds from sales of equipment | $46.0K | |
| Purchase of SBIC investments | -$350.0K | -$100.0K |
| Net cash used in investing activities | -$42.4M | -$11.2M |
| Net increase in deposits | $54.7M | $3.9M |
| Principal payments on finance lease obligations | -$451.0K | -$402.0K |
| Repayment of capital notes | -$10.1M | |
| Repayment of other borrowings | -$504.0K | -$590.0K |
| Dividends paid to common stockholders | -$1.8M | -$1.8M |
| Net cash provided by financing activities | $41.9M | $1.1M |
| Increase (decrease) in cash and cash equivalents | $11.2M | -$1.5M |
| Unrealized gains on securities available-for-sale | $10.1M | -$1.6M |
| Lease liabilities arising from right-of-use assets | $212.0K | |
| Cash paid for interest | $13.4M | $15.2M |
| Cash paid for income taxes | $2.3M | $1.9M |
No quarter-by-quarter statement was filed.
Compare BANK OF THE JAMES FINANCIAL GROUP INC with another company
Corporate structure
BANK OF THE JAMES FINANCIAL GROUP INC sits at the top of its group. 6 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of BANK OF THE JAMES FINANCIAL GROUP INC
- Fourthstone LLC Filed SCHEDULE 13G/A on BANK OF THE JAMES FINANCIAL GROUP INC, latest Aug 14, 2026 (3 filings since Feb 13, 2026)
- BASSWOOD CAPITAL MANAGEMENT, L.L.C. Filed SC 13G/A on BANK OF THE JAMES FINANCIAL GROUP INC, latest Feb 10, 2023 (2 filings since Feb 14, 2022)
- Eidelman Virant Capital Filed SC 13G on BANK OF THE JAMES FINANCIAL GROUP INC, latest Feb 2, 2022
- BANK OF THE JAMES FINANCIAL GROUP INC Lynchburg, Virginia
- PETTYJOHN, WOOD & WHITE, INC Subsidiary · VA
- Bank of the James Subsidiary · Virginia, United States
- BOTJ Insurance, Inc. Subsidiary · Virginia, United States
- BOTJ Investment Group, Inc. Subsidiary · Virginia, United States
- Pettyjohn, Wood & White, Inc. Subsidiary · Virginia, United States
Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G; owners and owned firms from Form ADV, the registration investment advisers file with the SEC. Each entity in the chart links to its source.
What it owns
What BANK OF THE JAMES FINANCIAL GROUP INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $37.2M5 Dec 31, 2025 | $36.1M5 Dec 31, 2024 | +2.9% |
| Accumulated depreciation | $18.0M5 Dec 31, 2025 | $16.8M5 Dec 31, 2024 | +7.3% |
| Property and equipment, net | $19.1M5 Dec 31, 2025 | $19.3M5 Dec 31, 2024 | −0.9% |
| Finance-lease assets | $1.8M5 Dec 31, 2025 | $2.2M5 Dec 31, 2024 | −18.4% |
| Operating-lease assets (leased space) | $1.1M5 Dec 31, 2025 | $1.2M5 Dec 31, 2024 | −11.2% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Debt securities available for sale | $214.1M5 Dec 31, 2025 | $187.9M5 Dec 31, 2024 | +13.9% |
| Debt securities held to maturity | $3.6M5 Dec 31, 2025 | $3.6M5 Dec 31, 2024 | −0.4% |
| Loans, net of allowance | $661.4M5 Dec 31, 2025 | $636.6M5 Dec 31, 2024 | +3.9% |
| Deposits held (banks) | $937.1M5 Dec 31, 2025 | $882.4M5 Dec 31, 2024 | +6.2% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $2.1M5 Dec 31, 2025 | $2.1M5 Dec 31, 2024 | 0% |
| Finite-lived intangibles, net | $6.2M5 Dec 31, 2025 | $6.7M5 Dec 31, 2024 | −8.3% |
Properties, in its own words
Current Locations and Property
Depending on such factors as cost, availability, and location, we may either lease or purchase our operating facilities. The existing facilities that we have purchased typically have been former branches of other financial institutions. As of March 25, 2026 the Bank conducts its operations from 23 locations, of which we own 15 and lease 8. In addition, PWW operates from 1925 Atherholt Road, Lynchburg, Virginia, which it leases from the Bank.
The rest of Item 2
The following table describes the location and general character of the Bank’s primary operating facilities:
Address · Type of Facility · Year Opened · Owned/Leased
5204 Fort AvenueLynchburg, Virginia · Full-service branch with drive-through and ATM · 2000 · Owned
4698 South Amherst HighwayMadison Heights, Virginia · Full-service branch with drive-through and ATM · 2002 · Owned
17000 Forest RoadForest, Virginia · Full-service branch with drive-through and ATMHeadquarters for Mortgage Division · 2005 · Owned
164 South Main StreetAmherst, Virginia · Full-service branch with drive-through and ATM · 2007 · Owned
1405 Ole Dominion BlvdBedford, Virginia · Full-service branch with drive-through and ATM · 2008 · Owned
1110 Main StreetAltavista, Virginia · Full-service branch with drive-through and ATM · 2009 · Owned
828 Main StreetLynchburg, Virginia · Corporate Headquarters; Full-service branch with drive-through and ATM · 2004 · Leased (1)
4935 Boonsboro Road, Suites C and DLynchburg, Virginia · Full-service branch with drive-through and ATM · 2006 · Leased (2)
501 VES RoadLynchburg, Virginia · Limited-service branch · 2010 · Leased (3)
250 Pantops Mountain RoadCharlottesville, Virginia · Limited-service branch · 2015 · Leased (4)
1391 South High StreetHarrisonburg, Virginia · Full-service branch with drive-through and ATM · 2015 · Owned
1745 Confederate BlvdAppomattox, Virginia · Full-service branch with drive-through and ATM · 2017 · Owned
225 Merchant Walk AvenueCharlottesville, Virginia · Full-service branch with drive-through and ATM · 2016 · Leased (5)
3562 Electric RoadRoanoke, Virginia · Full-service branch with ATM · 2017 · Leased (6)
800 South Main StreetBlacksburg, Virginia · Mortgage origination office · 2018 · Leased (7)
550 East Water StreetSuite 100Charlottesville, Virginia · Full-service branch with ATM · 2019 · Owned
2101 Electric RoadRoanoke, Virginia · Full-service branch with drive-through and ATM · 2019 · Leased (8)
45 South Main StreetLexington, Virginia · Full-service branch with ATM · 2019 · Owned
13 Village Highway Rustburg, VA 24588 · Full-service branch with drive-through and ATM · 2019 · Owned
4105 Boonsboro RoadLynchburg, Virginia · Full-service branch with drive-through and ATM · 2022 · Owned
20795 Timberlake RoadLynchburg, Virginia · Full-service branch with drive-through and ATM · 2025 · Owned
19792 Main StreetBuchanan, Virginia · Full-service branch with drive-through and ATM · 2024 · Owned
2935 Rockfish Valley HighwayNellysford, Virginia · Full-service branch with drive-through and ATM · 2025 · Owned
(1)The current term of the amended and restated lease expires in three years and the Bank has three five-year renewal options (subject to the terms and conditions outlined in the lease). The Bank leases this property from Jamesview Investment, LLC, which is wholly-owned by William C. Bryant III, a member of the Board of Directors of both Financial and the Bank.
(2)Base lease expires March 31, 2028. We have one or more renewal options that we may exercise at our discretion subject to the terms and conditions outlined in the lease.
(3)Base lease expired May 31, 2025. The Bank currently leases the property on a month-to-month basis.
(4)Base lease expires April 30, 2030. We have one or more renewal options that we may exercise at our discretion subject to the terms and conditions outlined in the lease.
(5)Base lease expires October 31, 2026. We have one or more renewal options that we may exercise at our discretion subject to the terms and conditions outlined in the lease.
(6)Base lease expires January 31, 2027.
(7)Base lease expired February 28, 2021. The Bank currently leases on a month-to-month basis.
(8)Base lease expires February 28, 2029. We have one or more renewal options that we may exercise at our discretion subject to the terms and conditions outlined in the lease.
We believe that each of these operating facilities is maintained in good operating condition and is suitable for our operational needs.
Interest in Additional Properties
1925 Atherholt Road, Lynchburg, Virginia currently serves as the office for the Company’s wholly-owned subsidiary, PWW, which leases the space from the Bank on a month-to-month basis. The property is held for possible future branch expansion, although the Bank does not currently have a timeline for opening a branch at this location.
The Bank also owns two additional properties in its market area, one held for possible future expansion or sale and one under contract for sale, subject to due diligence and other customary closing conditions.
The opening of any additional branches is contingent upon receipt of applicable regulatory approvals.
Item 2 of the 10-K filed Mar 27, 2026.4
Leadership
Who has led BANK OF THE JAMES FINANCIAL GROUP INC, and when. Pick a name to see everywhere that person has worked.
President
- PresidentMichael A. Syrek Nov 1, 2022 to now13
Board members and other officers (20)
- EVPEric John Sorenson Jr. Aug 10, 2022 to now14
- EVP - Chief Credit OfficerHarry P. Umberger Jr. Feb 9, 2016 to now15
- EVP - Senior Lending OfficerMichael A. Syrek Aug 15, 2012 to Aug 11, 201616
- EVP - RETAILAngelia R. Johnson Aug 3, 2010 to Aug 3, 201017
- Secretary-TreasurerJ. Todd Scruggs Mar 27, 2006 to now18
- Board memberAubrey Douglas Dalton Iii. Oct 27, 2016 to May 15, 202319
- Board memberPhillip C. Jamerson Oct 27, 2016 to now20
- Board memberLydia K. Langley Sep 16, 2015 to Feb 11, 202121
- Board memberJulie P. Doyle Sep 22, 2011 to Feb 9, 202422
- Board memberThomas W. Pettyjohn Jr. Oct 28, 2010 to May 12, 202323
- Board memberJohn R. Alford Jr. Jun 16, 2009 to Feb 20, 202424
- Board memberJ. Todd Scruggs Oct 22, 2009 to now25
- Board memberAugustus A. Petticolas Jr. Jan 3, 2007 to May 12, 202326
- Board memberDonald M. Giles Jan 3, 2007 to May 11, 201027
- Board memberDonna S. Clark Jan 3, 2007 to Jan 3, 200728
- Board memberKenneth S. White Jan 3, 2007 to Jan 3, 200729
- Board memberWatt R. Foster Jr. Jan 3, 2007 to now30
- Board memberJames F. Daly Feb 27, 2007 to Aug 9, 201631
- Board memberRichard R. Zechini Jan 27, 2006 to Aug 6, 201032
- Board memberLewis C. Addison Feb 23, 2006 to now33
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- BOTJ Insurance, Inc. Virginia3
- BOTJ Investment Group, Inc. Virginia3
- Bank of the James Virginia3
- Pettyjohn, Wood & White, Inc. Virginia3
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Jul 30, 20268-K Results of operations; Other events34
- May 20, 20268-K Shareholder vote35
- Apr 30, 20268-K Results of operations; Other events36
- Feb 4, 20268-K Results of operations37
- Jan 28, 20268-K Other events38
- Jan 9, 20268-K Executive or director change39
- Oct 30, 20258-K Results of operations; Other events40
- Oct 30, 20258-K Executive or director change41
- Aug 20, 20258-K Entered a material agreement; New debt or obligation42
- Aug 5, 20258-K Results of operations43
- Aug 4, 20258-K Results of operations44
- Jul 28, 20258-K Other events45
Calendar
Coming up
- Oct 29, 2026Reports results for the quarter ending Sep/202646
When it reported results
- Jul 30, 2026Reported quarterly or annual results34
- Apr 30, 2026Reported quarterly or annual results36
- Feb 4, 2026Reported quarterly or annual results37
- Oct 30, 2025Reported quarterly or annual results40
- Aug 5, 2025Reported quarterly or annual results43
- Aug 4, 2025Reported quarterly or annual results44
- Apr 30, 2025Reported quarterly or annual results47
- Jan 31, 2025Reported quarterly or annual results48
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
204 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 47 major events, 111 insider forms, 8 large holders, 18 other. The latest 20:
- Aug 14, 2026SCHEDULE 13G/A EDGAR
- Aug 12, 20264 SYREK AUGUST 2026 EDGAR
- Aug 12, 202610-Q EDGAR
- Aug 11, 20264 ADDISON 8/102626 EDGAR
- Aug 10, 20264 FOSTER 8/6/26 EDGAR
- Aug 10, 20264 BRYANBT 8/6/26 EDGAR
- Jul 30, 20268-K EDGAR
- May 20, 20268-K EDGAR
- May 15, 2026SCHEDULE 13G/A EDGAR
- May 15, 2026SCHEDULE 13G/A EDGAR
- May 12, 202610-Q EDGAR
- May 8, 20264 05/08/2026 JAMERSON EDGAR
- May 7, 20264 ADDISON 2026.05.07 EDGAR
- May 7, 20264 BRYANT 2026.05.07 EDGAR
- Apr 30, 20268-K EDGAR
- Apr 6, 2026ARS EDGAR
- Apr 6, 2026DEFA14A EDGAR
- Apr 6, 2026DEF 14A EDGAR
- Mar 27, 202610-K EDGAR
- Feb 20, 20264 CHAPMAN FORM 4 2026.02.20 EDGAR
The 204 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
141 open-market trades by officers, directors and large owners since October 2021: 141 buys and 0 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 10, 2026 | ADDISON LEWIS CDirector | Buy | 70 | $27.22 | $1.9K | Form 4 |
| Aug 7, 2026 | SYREK MICHAEL APresident - Bank of the James | Buy | 100 | $27.05 | $2.7K | Form 4 |
| Aug 6, 2026 | FOSTER WATT R JRDirector | Buy | 447 | $28.01 | $12.5K | Form 4 |
| Aug 6, 2026 | BRYANT WILLIAM C IIIDirector | Buy | 650 | $27.10 | $17.6K | Form 4 |
| May 7, 2026 | JAMERSON PHILLIP CDirector | Buy | 1,000 | $23.40 | $23.4K | Form 4 |
| May 7, 2026 | ADDISON LEWIS CDirector | Buy | 82 | $23.18 | $1.9K | Form 4 |
| May 6, 2026 | BRYANT WILLIAM C IIIDirector | Buy | 1,043 | $23.11 | $24.1K | Form 4 |
| Feb 20, 2026 | CHAPMAN ROBERT RPresident | Buy | 1,200 | $20.89 | $25.1K | Form 4 |
| Feb 19, 2026 | BRYANT WILLIAM C IIIDirector | Buy | 600 | $20.82 | $12.5K | Form 4 |
| Feb 12, 2026 | BRYANT WILLIAM C IIIDirector | Buy | 396 | $20.00 | $7.9K | Form 4 |
| Feb 10, 2026 | ADDISON LEWIS CDirector | Buy | 93 | $20.50 | $1.9K | Form 4 |
| Dec 8, 2025 | SORENSON ERIC JOHN JREVP | Buy | 60 | $17.92 | $1.1K | Form 4 |
| Nov 25, 2025 | JAMERSON PHILLIP CDirector | Buy | 100 | $17.59 | $1.8K | Form 4 |
| Nov 24, 2025 | JAMERSON PHILLIP CDirector | Buy | 1,014 | $16.65 | $16.9K | Form 4 |
| Nov 20, 2025 | CHAPMAN ROBERT RPresident | Buy | 33 | $18.04 | $595 | Form 4 |
| Nov 18, 2025 | SORENSON ERIC JOHN JREVP | Buy | 49 | $16.70 | $819 | Form 4 |
| Nov 18, 2025 | JAMERSON PHILLIP CDirector | Buy | 589 | $16.75 | $9.9K | Form 4 |
| Nov 17, 2025 | BRYANT WILLIAM C IIIDirector | Buy | 59 | $16.75 | $988 | Form 4 |
| Nov 17, 2025 | ADDISON LEWIS CDirector | Buy | 113 | $16.75 | $1.9K | Form 4 |
| Oct 16, 2025 | SORENSON ERIC JOHN JREVP | Buy | 52 | $15.80 | $819 | Form 4 |
All 141 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Fourthstone LLCSCHEDULE 13G/A, 3 filings Feb 13, 2026 to Aug 14, 202649
- PETTYJOHN, WOOD & WHITE, INCSCHEDULE 13G/A, 2 filings Nov 12, 2024 to May 15, 202650
- BASSWOOD CAPITAL MANAGEMENT, L.L.C.SC 13G/A, 2 filings Feb 14, 2022 to Feb 10, 202351
- Eidelman Virant CapitalSC 13G, 1 filing Feb 2, 202252
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Robert R. Chapman III | $400.6K | $873.9K53 | |
| 2025 | Michael A. Syrek | $313.3K | $562.7K53 | |
| 2025 | J. Todd Scruggs | $321.5K | $515.1K53 | |
| 2024 | President of Financial and CEO of the Bank | $400.6K | $839.9K53 | |
| 2024 | Secretary-Treasurer of Financial and EVP and CFO of the Bank | $321.5K | $558.9K53 | |
| 2024 | President of the Bank | $312.5K | $541.2K53 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 45. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How BANK OF THE JAMES FINANCIAL GROUP INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARBANK OF THE JAMES FINANCIAL GROUP INC1
- CIK0001275101
- Employer ID (EIN)20-05003004
- Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; a shell company4
- Incorporated inVirginia4
- Fiscal year endsDecember 311
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business addressP O Box 1200, Lynchburg, VA 245051
- Phone43484620001
- Shares outstanding4,543,338 as of Aug 12, 202612
- Public float$55.9M as of Jun 30, 20254
- AuditorElliott Davis, PLLC, Raleigh, North Carolina, U.S PCAOB ID 149; no auditor attestation of internal control over financial reporting4
- On EDGAR sinceJan 13, 20041
- Filings764 in all: 4 (359), 8-K (180), 10-Q (59), DEF 14A (23), 10-K (19), ARS (15), 3 (12), 10QSB (9)1
All 38 form types
UPLOAD (9), SC 13G/A (8), 5 (6), CORRESP (6), 4/A (5), 424B3 (5), D (5), DEFA14A (5), 10KSB (4), 8-K/A (4), SC 13G (4), EFFECT (3), S-8 (3), SCHEDULE 13G/A (3), PRE 14A (2), SCHEDULE 13G (2), 10KSB/A (1), 424B1 (1), 5/A (1), 8-A12B (1), 8-K12G3 (1), CERTNAS (1), DEFR14A (1), NT 10-K (1), NT 10-Q (1), POS AM (1), S-1 (1), S-3D (1), SB-2 (1), SB-2/A (1)
- Latest filingsAnnual report (10-K) Mar 27, 2026
Quarterly report (10-Q) Aug 12, 2026
Proxy statement (DEF 14A) Apr 6, 2026
Latest 8-K (8-K) Jul 30, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, $2.14 par value | BOTJ | NASDAQ |
From the cover page of the 10-K filed Mar 27, 2026 (Section 12(b) of the Exchange Act).4
Risk factors and legal proceedings
The risks BANK OF THE JAMES FINANCIAL GROUP INC names in Item 1A of its 10-K filed Mar 27, 2026: 44 risks under these headings, as written.4
- RISKS RELATED TO OUR BUSINESS
- Our profitability depends significantly on local economic conditions.
- Future public health emergencies could adversely affect our business, financial condition, and results of operations.
- A significant portion of our loan portfolio is secured by real estate, and events that negatively impact the real estate market could hurt our business.
- Our loan portfolio contains a number of real estate loans with relatively large balances.
- Commercial real estate loans increase our exposure to credit risk.
- A percentage of the loans in our portfolio currently include exceptions to our loan policies and supervisory guidelines.
- As a community bank, we have different lending risks than larger banks due to our focus on individuals and small to medium-sized businesses.
- We depend on the accuracy of information provided by clients and counterparties.
- Credit losses could adversely affect our earnings and financial condition.
- Our allowance for credit losses may not be adequate to cover actual losses.
- We face substantial competition in our markets.
The other 33 risks
- We have increased and plan to continue to increase our levels of commercial and industrial loans. We may not be successful in continuing to penetrate this market segment, which has helped to drive some of our recent earnings.
- Our plans for future expansion depend, in some instances, on factors beyond our control, and an unsuccessful attempt to achieve growth could have a material adverse effect on our business, financial condition, results of operations and future prospects.
- Foreclosed properties could lead to increased operating expenses and losses.
- We may need to raise additional capital in the future, which may not be available on acceptable terms.
- Our corporate culture has contributed to our success, and if we cannot maintain this culture as we grow, we could lose the teamwork and increased productivity fostered by our culture, which could harm our business.
- Loss of key employees could adversely affect our business.
- Severe weather, natural disasters, acts of war or terrorism or other adverse external events could significantly impact our business.
- As a community bank, our ability to maintain our reputation is critical to the success of our business, and our failure to do so may materially adversely affect our performance.
- Our decisions regarding how we manage our credit exposure may materially and adversely affect our business.
- Our profitability is vulnerable to interest rate fluctuations and changes in monetary policies.
- Inflation could adversely impact our customers’ ability to repay loans.
- Cybersecurity threats and operational system failures could disrupt our business and result in financial losses.
- Emerging Technological Threats
- Alternative financial products, digital banking trends, and technological change could affect our deposit base and competitive position.
- Changes in consumers’ use of banks and changes in consumers’ spending and saving habits could adversely affect our financial results.
- We are subject to operational risks.
- Liquidity risk could adversely affect our business and financial condition.
- We may lose lower-cost funding sources.
- Failure to maintain effective internal and disclosure controls could adversely affect our financial reporting and stock price.
- Changes in the financial markets could impair the value of our investment portfolio.
- Our deposit insurance premiums could be substantially higher in the future, which could have a material adverse effect on our future earnings.
- Declines in assets under management could adversely affect our investment advisory business.
- We may not be able to attract and retain investment advisory clients.
- The investment advisory industry is subject to extensive regulation, and any enforcement action or adverse regulatory changes could decrease our revenues and profitability.
- Loss of PWW’s key employees could adversely affect our investment advisory business.
- REGULATORY AND LEGAL RISKS
- We are subject to extensive regulation that could limit or restrict our activities and adversely affect our profitability.
- The laws and regulations applicable to the banking industry could change at any time, and these changes may adversely affect our business and profitability.
- Consumer financial protection regulations could impact our compliance obligations and business practices.
- Regulatory capital requirements could adversely affect our operations and profitability.
- RISKS RELATED TO OUR STOCK
- Our ability to pay cash dividends is limited, and we may be unable to pay future dividends even if we desire to do so.
- A limited market exists for our common stock.
- Future offerings of debt or other securities may adversely affect the market price of our stock.
- Our stockholders may experience dilution due to issuances of additional securities.
- Virginia law and the provisions of our articles of incorporation and bylaws could deter or prevent takeover attempts.
Legal proceedings
There are no material pending legal proceedings to which the Company is a party or to which the property of the Company is subject.
The opening of Item 3, Legal Proceedings.4
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12
- 13SEC EDGARMichael A. Syrek, President
- 14SEC EDGAREric John Sorenson Jr., EVP
- 15
- 16
- 17SEC EDGARAngelia R. Johnson, EVP - RETAIL
- 18SEC EDGARJ. Todd Scruggs, Secretary-Treasurer
- 19
- 20SEC EDGARPhillip C. Jamerson, Board member
- 21SEC EDGARLydia K. Langley, Board member
- 22SEC EDGARJulie P. Doyle, Board member
- 23
- 24SEC EDGARJohn R. Alford Jr., Board member
- 25SEC EDGARJ. Todd Scruggs, Board member
- 26
- 27SEC EDGARDonald M. Giles, Board member
- 28SEC EDGARDonna S. Clark, Board member
- 29SEC EDGARKenneth S. White, Board member
- 30SEC EDGARWatt R. Foster Jr., Board member
- 31SEC EDGARJames F. Daly, Board member
- 32SEC EDGARRichard R. Zechini, Board member
- 33SEC EDGARLewis C. Addison, Board member
- 34SEC EDGARResults of operations; Other events
- 35SEC EDGARShareholder vote
- 36SEC EDGARResults of operations; Other events
- 37SEC EDGARResults of operations
- 38SEC EDGAROther events
- 39SEC EDGARExecutive or director change
- 40SEC EDGARResults of operations; Other events
- 41SEC EDGARExecutive or director change
- 42
- 43SEC EDGARResults of operations
- 44SEC EDGARResults of operations
- 45SEC EDGAROther events
- 46NasdaqNasdaq calendar
- 47
- 48
- 49
- 50
- 51
- 52
- 53