Bank of the James (BOTJ)
Central Virginia banking, mortgage origination, and fee-based investment management.
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Combines Central Virginia community banking with residential-mortgage originations and fee-based investment management. Community Banking supplies the primary revenue source through net interest income, while mortgage loans are sold into the secondary market.
Community Banking provides commercial and consumer lending, demand and savings deposits, certificates of deposit, investments, and insurance to retail and commercial customers in Region 2000 and other Central Virginia areas.
Mortgage Banking originates residential mortgages for sale into the secondary market. Investment Advisory delivers fee-based investment management through Pettyjohn, Wood & White, bringing wealth management alongside the lending-and-deposit franchise.
The reportable segments combine a local banking franchise with fee-based investment advisory and mortgage origination. Local community banking is the primary revenue engine through net interest income, while mortgage revenue depends on residential-loan sales into the secondary market.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $261.5M · Total debt $8.7M · Total assets $1.04B · Shareholders' equity $83.2M
- Revenue
- $16.8M
- Operating income
- $4.1M
- Net income
- $3.2M
Raised for 10 straight years — most recently to $0.10 from $0.08 in Feb 2024. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 21, 2026 | Aug 21 | Sep 4 | $0.10 | |
| May 22, 2026 | May 22 | Jun 5 | $0.10 | |
| Feb 17, 2026 | Feb 17 | Mar 6 | $0.10 | |
| Nov 21, 2025 | Nov 21 | Dec 5 | $0.10 | |
| Sep 12, 2025 | Sep 12 | Sep 26 | $0.10 | |
| Jun 6, 2025 | Jun 6 | Jun 20 | $0.10 | |
| Mar 7, 2025 | Mar 7 | Mar 21 | $0.10 | |
| Nov 22, 2024 | Nov 22 | Dec 6 | $0.10 |
| Institutions27 holders · as of Mar 31, 2026 | 29.77% | 1.35M shares | |
| Insiders9 holders · as of Aug 12, 2026 | 9.17% | 416.8K shares | |
| Otherremainder | 61.06% | 2.77M shares |
4.54M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Fourthstone LLCInstitution | 8.48% | 385,498 | 13Fas of Mar 31, 2026 |
Eidelman Virant Capital, Inc.Institution | 5.43% | 246,848 | 13Gfiled Feb 2, 2022 ↗ |
Pettyjohn, Wood & White, IncInstitution | 4.94% | 224,259 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 3.52% | 159,772 | 13Fas of Mar 31, 2026 |
Daytona Street Capital LLCInstitution | 3.46% | 157,123 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 7, 2026 | Michael A. Syrek | officer: President - Bank of the James | +100 | $27.05 |
| Aug 10, 2026 | Lewis C. Addison | director | +70 | $27.22 |
| Aug 6, 2026 | Watt R. Jr Foster | director | +447 | $28.01 |
| Aug 6, 2026 | William C. Iii Bryant | director | +650 | $27.10 |
| May 7, 2026 | Phillip C. Jamerson | director | +1,000 | $23.40 |
- Atlantic Union Bankshares
Virginia banking, mortgages, and wealth management overlap
- Carter Bankshares
Direct Central Virginia rival in deposits, loans, and mortgages
- National Bankshares
Central Virginia banking and investment-services overlap
- First Community Bankshares
Central and southwestern Virginia banking and wealth overlap
- TowneBank
Central Virginia banking, mortgage, and wealth-services overlap
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Bank of the James | $27.87 | +3.22% | $122.7M | 10.7 | — | 2.0 | +8.5% |
| Atlantic Union Bankshares | $40.80 | +0.49% | $5.76B | 12.1 | 10.5 | 2.6 | −3.5% |
| Carter Bankshares | $31.36 | −0.92% | $700.5M | 5.4 | 13.5 | 2.0 | +72.0% |
| National Bankshares | $41.81 | +0.87% | $264.1M | 13.0 | 10.7 | 3.7 | −66.8% |
| First Community Bankshares | $49.00 | +0.60% | $918.8M | 15.4 | 16.0 | 6.6 | +48.5% |
| TowneBank | $37.27 | 0.00% | $3.44B | 10.5 | 11.3 | 2.6 | +18.5% |
| Median | 12.1 | 11.3 | 2.6 | +18.5% |