Bank Of The James Financial Group Inc (BOTJ) — SEC Filings
Bank Of The James Financial Group Inc (BOTJ) — 31 SEC filings. Latest: 10-Q (Nov 14, 2025). Includes 20 8-K, 6 10-Q, 2 DEF 14A.
View Bank Of The James Financial Group Inc on SEC EDGAR
Overview
Bank Of The James Financial Group Inc (BOTJ) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 14, 2025: BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) reported a significant increase in net income for the three months ended September 30, 2025, reaching $2.752 million, up 38.3% from $1.990 million in the same period of 2024. This was driven by a 10.5% increase in net interest income to $8.300 million, co
Sentiment Summary
Across 31 filings, the sentiment breakdown is: 1 bullish, 29 neutral, 1 mixed. The dominant filing sentiment for Bank Of The James Financial Group Inc is neutral.
Filing Type Overview
Bank Of The James Financial Group Inc (BOTJ) has filed 6 10-Q, 20 8-K, 1 8-K/A, 2 DEF 14A, 2 10-K with the SEC between Jan 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (31)
Risk Profile
Risk Assessment: Of BOTJ's 29 recent filings, 0 were flagged as high-risk, 4 as medium-risk, and 25 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $12.469M |
| Net Income | $2.752M |
| EPS | $0.61 |
| Debt-to-Equity | 12.12 |
| Cash Position | $85.451M |
| Operating Margin | N/A |
| Total Assets | $1.020B |
| Total Debt | $943.153M |
Key Executives
- Robert R. Chapman III
Industry Context
The banking industry is characterized by intense competition, stringent regulatory oversight, and sensitivity to interest rate fluctuations. Regional banks like BOTJ focus on local market penetration and customer relationships. Trends include digital transformation, evolving customer expectations, and the ongoing impact of monetary policy on lending and deposit costs.
Top Tags
8-k (10) · financial-reporting (10) · sec-filing (8) · financials (6) · 10-Q (4) · 8-K (3) · regulatory-filing (3) · equity (3) · banking (3) · Regional Banking (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $2.752M | Increased 38.3% from $1.990M in Q3 2024 |
| Net Interest Income (Q3 2025) | $8.300M | Increased 10.5% from $7.509M in Q3 2024 |
| Total Assets (Sept 30, 2025) | $1.020B | Increased 4.2% from $979.244M at Dec 31, 2024 |
| Loans, Net (Sept 30, 2025) | $653.288M | Increased from $636.552M at Dec 31, 2024 |
| Capital Notes Repaid | $10.050M | Full repayment on June 30, 2025 |
| NBB Note Interest Rate | 5.65% | Increased from 3.90% effective September 1, 2025 |
| Stockholders' Equity (Sept 30, 2025) | $76.972M | Increased 18.7% from $64.865M at Dec 31, 2024 |
| Net Income Per Common Share (Q3 2025) | $0.61 | Increased from $0.44 in Q3 2024 |
| Net Income (Q2 2025) | $2.704M | Increased 25.8% from $2.148M in Q2 2024 |
| Net Income (YTD Q2 2025) | $3.546M | Decreased 18.2% from $4.335M in YTD Q2 2024 |
| Total Assets | $1.004B | Increased from $979.244M at Dec 31, 2024 |
| Loans, net | $649.089M | Increased from $636.552M at Dec 31, 2024 |
| Total Deposits | $910.527M | Increased from $882.404M at Dec 31, 2024 |
| Recovery of Credit Losses (Q2 2025) | $528K | Positive impact on net interest income |
| Professional Expenses (YTD Q2 2025) | $2.533M | Increased 69.3% from $1.496M in YTD Q2 2024 |
Frequently Asked Questions
What are the latest SEC filings for Bank Of The James Financial Group Inc (BOTJ)?
Bank Of The James Financial Group Inc has 31 recent SEC filings from Jan 2024 to Nov 2025, including 20 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of BOTJ filings?
Across 31 filings, the sentiment breakdown is: 1 bullish, 29 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Bank Of The James Financial Group Inc SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Bank Of The James Financial Group Inc (BOTJ) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Bank Of The James Financial Group Inc?
Key financial highlights from Bank Of The James Financial Group Inc's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for BOTJ?
The investment thesis for BOTJ includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Bank Of The James Financial Group Inc?
Key executives identified across Bank Of The James Financial Group Inc's filings include Robert R. Chapman III.
What are the main risk factors for Bank Of The James Financial Group Inc stock?
Of BOTJ's 29 assessed filings, 0 were flagged high-risk, 4 medium-risk, and 25 low-risk.
What are recent predictions and forward guidance from Bank Of The James Financial Group Inc?
Forward guidance and predictions for Bank Of The James Financial Group Inc are extracted from SEC filings as they are enriched.