BANK OF THE JAMES FINANCIAL GROUP INC — Form 8-K
Filed October 30, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 58/100
What the filing says
Bank of the James Financial Group (NASDAQ: BOTJ, market cap ~$55.9M) reported Q3 2026 net income of $3.32M (+$570K YoY) and 9M 2026 net income of $9.34M (+$3.04M YoY; EPS $2.05 vs $1.39). On October 27, 2026, the board increased the quarterly cash dividend to $0.15/share from $0.10/share—a 50% increase. Key metrics: total assets grew 2.46% to $1.065B; loans net grew 4.94% to $694M; deposits grew 2.82% to $964M; nonperforming loans fell 67.84% to $548K; net interest margin expanded to 3.81% (Q3) and 3.70% (9M); efficiency ratio improved to 69.76% (Q3).
Why this rating
Strong earnings growth (48% YTD), margin expansion, asset/loan/deposit growth, and 50% dividend hike signal operational momentum. Relative to $56M market cap, $9.3M 9M earnings (~17% of cap annually) and improving efficiency are meaningful. Dividend increase shows confidence but strains capital (equity down 2% YTD). Moderate—not transformational but materially positive for a small bank.
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