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Bank of the James Financial Group Inc Stock: price and insider trades · United States
4 insiders bought €30k of shares over the last 90 days, the latest filed 12 Aug 2026.
Bank of the James Financial Group Inc: what insiders have been doing
Every trade that managers of Bank of the James Financial Group Inc disclose to SEC (Form 4) is tracked on this page. The company sits in the Finance & Banking sector. In the past year (18 October 2025 to 18 October 2026), 11 filings came from 6 insiders.
Not one open-market sale was filed. On the buying side, 6 insiders reported 11 purchases totalling €85k. Buying on the open market means paying the going price with one's own funds, a different act from receiving shares as pay. The largest single trade was a purchase of €21k by Chapman Robert R, published on 20 February 2026. On the buying side, the filings list 4 senior executives and 2 chief executives among the declarants.
Compared with its exchange (5,816 companies, median 19 filings), a count of 11 filings is below the norm. Our records for Bank of the James Financial Group Inc go back to 2016, with 115 purchases and no sales on the open market in total. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 9.0 m USD, with a dividend of 0.40 USD per share.
The data flag 9 purchases as part of a group of insiders buying within 30 days of each other. When several insiders buy within a few weeks of each other, analysts speak of a cluster purchase. The latest purchase dates back some time: it was published 67 days ago, on 12 August 2026. The median gap between a trade and its publication by SEC (Form 4) is 4 days. For comparison, the SEC allows two business days to file a Form 4.
Other companies in the same sector with recent insider buying flagged by our signals: First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
116
Thresholds
n/a
Buy Volume
€958,228
115 ops. · all time
Sell Volume
n/a
n/a
Who traded when
BuySaleWilliam C. Bryant III8 buys
Lewis C. Addison6 buys
Michael A. Syrek4 buys
Phillip C. Jamerson2 buys
Robert R. Chapman2 buys
HARRY P. UMBERGER Jr.1 buy
+2 other insiders
Since the insiders bought
- -2.8%Entry US$27.76 · Close 15 Oct 2026 US$26.99
- -1.9%Entry US$27.51 · Close 15 Oct 2026 US$26.99
- -1.2%Entry US$27.31 · Close 15 Oct 2026 US$26.99
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,057 of 24,148 companies
79.6
score / 100
Value78
Quality81
FCF yld8.6%
Earn yld7.4%
EV/EBITDA·
ROE15%
Gross mgn·
Net mgn19%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$26.99
Analyst consensus
Income statement
RevenueUS$47.8M
Net incomeUS$9M22.4% margin
Valuation
PER (trailing)10.7x
P/Book1.5x
Beta0.19
Balance sheet & cash
Market capUS$122.6M
Total debtUS$8.8M
Free Cash FlowUS$10.5M
Profitability & ownership
ROE14.8%
ROA1.1%
% insiders12.7%
% institutions31.9%
Last declaration on 12 August 2026
Declarations116 total
100 shares@ US$27.050.0022% mcap7.9% of flowCommon Stock, Par Value 2.14SEC:0001437749-26-027272:0
Canonical exit: 5 Nov 2026 (T+90)
70 shares@ US$27.2150.0015% mcap5.8% of flowCommon Stock, Par Value 2.14SEC:0001437749-26-027037:0
Canonical exit: 8 Nov 2026 (T+90)
650 shares@ US$27.100.014% mcap6.3% of flowCommon Stock, Par Value 2.14SEC:0001437749-26-026712:0
Canonical exit: 4 Nov 2026 (T+90)
447 shares@ US$28.010.010% mcap4.2% of flowCommon Stock, Par Value 2.14SEC:0001437749-26-026718:0
Canonical exit: 4 Nov 2026 (T+90)
1,200 shares@ US$20.8926.3% of flowCommon Stock, Par Value 2.14SEC:0001437749-26-004891:0
Canonical exit: 21 May 2026 (T+90)
396 shares@ US$20.002.8% of flowCommon Stock, Par Value 2.14SEC:0001437749-26-004885:0
Canonical exit: 13 May 2026 (T+90)
93 shares@ US$20.505.6% of flowCommon Stock, Par Value 2.14SEC:0001437749-26-003818:0
Canonical exit: 11 May 2026 (T+90)
1,014 shares@ US$16.659.3% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-036525:0
Canonical exit: 22 Feb 2026 (T+90)
59 shares@ US$16.750.4% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-035670:0
Canonical exit: 15 Feb 2026 (T+90)
113 shares@ US$16.755.7% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-035658:0
Canonical exit: 15 Feb 2026 (T+90)
589 shares@ US$16.755.4% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-035633:0
Canonical exit: 16 Feb 2026 (T+90)
2,525 shares@ US$15.4314.0% of flowCommon Stock, Par Value $2.14SEC:0001437749-25-027740:0
Canonical exit: 23 Nov 2025 (T+90)
356 shares@ US$14.299944.7% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-027107:0
Canonical exit: 12 Nov 2025 (T+90)
134 shares@ US$14.005.6% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-026709:0
Canonical exit: 11 Nov 2025 (T+90)
138 shares@ US$13.8853.4% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-026384:0
Canonical exit: 10 Nov 2025 (T+90)
7 shares@ US$14.000.3% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-026210:0
Canonical exit: 9 Nov 2025 (T+90)
243 shares@ US$13.979.8% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-026210:1
Canonical exit: 9 Nov 2025 (T+90)
207 shares@ US$14.251.1% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-018254:0
Canonical exit: 20 Aug 2025 (T+90)
223 shares@ US$14.251.2% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-018104:0
Canonical exit: 19 Aug 2025 (T+90)
394 shares@ US$14.252.1% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-017994:0
Canonical exit: 18 Aug 2025 (T+90)
303 shares@ US$14.2513.7% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-016789:0
Canonical exit: 10 Aug 2025 (T+90)
349 shares@ US$14.2515.6% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-016048:0
Canonical exit: 7 Aug 2025 (T+90)
2,828 shares@ US$14.1143.5% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-015188:0
Canonical exit: 3 Aug 2025 (T+90)
350 shares@ US$14.0014.5% of flowCommon Stock, Par Value 2.14SEC:0001437749-25-014870:0
Canonical exit: 3 Aug 2025 (T+90)
500 shares@ US$11.617.7% of flowCommon Stock, Par Value 2.14SEC:0001437749-24-004769:0
Canonical exit: 16 May 2024 (T+90)
25 of 116 declarations
About Bank of the James Financial Group Inc
Bank of the James Financial Group Inc. (ticker: BOTJ) is a U.S.-listed banking holding company traded on the NASDAQ market, not the NYSE, placing it squarely in the small-cap regional financial sector. The company is the parent of Bank of the James, a full-service commercial and retail bank, as well as related businesses in wealth management, insurance, and mortgage lending. Its headquarters are in Lynchburg, Virginia, in the United States, which remains the center of its operating footprint.
The institution traces its roots to 1999, when Bank of the James opened in response to the consolidation of local banking franchises. That origin still shapes the company’s identity as a community bank built around relationship banking, local decision-making, and a strong understanding of its regional customer base. Today, BOTJ primarily serves the greater Lynchburg area and a broader set of Virginia markets, including Blacksburg, Buchanan, Charlottesville, Harrisonburg, Lexington, Nellysford, Roanoke, and Wytheville. Its branch network is concentrated within Virginia, reinforcing a tightly focused geographic strategy rather than a multi-state expansion model.
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BOTJ’s business model is organized around three main pillars. First, traditional retail and commercial banking, with deposit products, checking and savings accounts, lending solutions, debit/card services, digital banking, cash management, and credit services for individuals, businesses, associations, organizations, and select public-sector clients. Second, mortgage banking through Bank of the James Mortgage, which supports residential lending and certain specialized home-finance needs. Third, wealth management and financial-advisory services, delivered through BOTJ Investment Services, BOTJ Insurance, and Pettyjohn, Wood & White, an SEC-registered investment adviser acquired to broaden the group’s advisory capabilities.
This diversification is selective but meaningful. It allows the bank to deepen customer relationships and generate more non-interest income while retaining the operating discipline of a community bank. BOTJ is therefore a regional niche player rather than a national competitor, and its competitive strengths are proximity, responsiveness, and an integrated banking-insurance-investment offering. In practical terms, the company competes against larger regional banks on service and local franchise value rather than on scale.
Recent developments have been constructive. The company reported record full-year 2025 earnings and followed with a strong first quarter of 2026, indicating improved profitability and operating momentum. Management continues to emphasize organic growth across its Virginia markets, alongside mortgage, advisory, and insurance services. For international investors, BOTJ offers a focused exposure to U.S. regional banking, with earnings driven more by local execution than by broad macro diversification.
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