Bank of the James Financial Group, Inc.
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- Bank of the James Financial Group, Inc. (NASDAQ: BOTJ) serves as the holding company for Bank of the James, a community bank providing retail and commercial banking services to individuals, small- and medium-sized businesses, professionals, associations, organizations, and governmental authorities primarily in Central Virginia. Founded in 1999 and headquartered at 828 Main Street in Lynchburg, Virginia, the company operates through three main segments—Community Banking, Mortgage Banking, and Investment Advisory (Wealth Management)—with multiple branches across Virginia locations including Lynchburg, Forest, Altavista, Amherst, Appomattox, Bedford, Blacksburg, Bland, Buchanan, Charlottesville, Madison Heights, Nellysford, Cave Spring, Rustburg, and Wytheville. Its core offerings encompass deposit products such as checking, savings, individual retirement, health savings, money market accounts, and certificates of deposit; lending solutions including small- and medium-sized business loans for equipment, facilities, inventory, and working capital, commercial and residential construction and development loans, commercial real estate loans, residential mortgages, and secured/unsecured consumer loans like personal loans, lines of credit, automobile loans, installment loans, home equity loans, and overdraft protection; and additional services comprising investment advisory and financial planning, securities brokerage, insurance and annuity products (life insurance, fixed annuities, disability insurance), safe deposit boxes, treasury management, credit card merchant services, automated teller machines, online/mobile/telephone banking with bill pay, direct deposit, and automatic drafts. Recent developments include robust loan portfolio growth to $649.09 million net of allowance at June 30, 2025, driven by commercial real estate loans rising to $355.67 million; deposit expansion to $910.53 million with emphasis on core noninterest-bearing and savings accounts; repayment of subordinated debt raised via a 2024 private placement with local investors; quarterly dividend increases including a 25% hike announced in 2024; and strengthened financial metrics such as total assets reaching $1.04 billion, stockholders' equity at $71.67 million, and book value per share of $15.77 by mid-2025, underscoring sustained operational efficiency and asset quality.
BOTJ vs. CFFI: Which Regional Bank Stock Looks More Attractive Now?
Bank of the James Q1 Earnings Surge Y/Y on Strong Income Growth
Bank of the James Announces First Quarter 2026 Financial Results and Declaration of Dividend
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Bank of the James Financial Group (NASDAQ:BOTJ) Share Price Passes Above Two Hundred Day Moving Average – Time to Sell?
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Margin Gains & Core Deposit Growth Drive BOTJ's Solid Q4 Earnings
BOTJ Q4 Earnings Rise Y/Y on Strong Margins & Lower Costs
Bank of the James Announces Fourth Quarter, Full Year 2025 Financial Results
Regional Banks Show Resilience Amid High Rates & Credit Gains
Bank of the James Financial Group, Inc. Announces Retirement of Co-Founder and Director J. Todd Scruggs
PEBK vs. BOTJ: Which Bank Stock Deserves a Spot in Your Portfolio?
Bank of the James Q3 Earnings Rise Y/Y, Profit Margin Expands
Bank of the James Announces CFO–CIO Transition and Appointment of New Chief Financial Officer
Bank of the James Announces Third Quarter, First Nine Months of 2025 Financial Results
CORRECTING and REPLACING "Bank of the James Announces Second Quarter, First Half of 2025 Financial Results"; Corrects Typos in Narrative Related to Total Assets and Loan Balances
Bank of the James Announces First Quarter of 2025 Financial Results
Bank of the James Announces Fourth Quarter, Full Year of 2024 Financial Results and Declaration of Dividend