Bank of the James posts 2025 results update

Bank of the James Financial Group, Inc. filed a current report to note that it has released its financial results.

Rhea-AI Filing Summary

Bank of the James Financial Group, Inc. filed a current report to note that it has released its financial results. The company issued a press release covering its performance for the three and twelve months ended December 31, 2025, and attached that release as an exhibit to this report.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Bank of the James Financial Group (BOTJ) disclose in this 8-K?

Bank of the James Financial Group disclosed that it issued a press release announcing financial results. The release covers the company’s performance for the three and twelve months ended December 31, 2025, and is included as Exhibit 99.1 to the report.

Which period’s results does BOTJ’s February 4, 2026 8-K address?

The 8-K addresses BOTJ’s financial results for the three and twelve months ended December 31, 2025. These results are detailed in a separate press release, which the company attached to the filing as Exhibit 99.1 for investors to review.

How did Bank of the James Financial Group release its year-end 2025 results?

Bank of the James Financial Group released its year-end 2025 results through a press release. The company then filed an 8-K to formally note this disclosure and attached the full press release as Exhibit 99.1 to provide investors access to the detailed information.

What exhibits are included with BOTJ’s February 4, 2026 Form 8-K?

The filing includes Exhibit 99.1, which is the Bank of the James Financial Group press release dated February 4, 2026. It also lists Exhibit 104, identifying the cover page formatted in Inline XBRL, consistent with current SEC reporting requirements.

Does the BOTJ 8-K include full financial statements for 2025?

The 8-K itself does not include full financial statements. Instead, it references and attaches a separate press release as Exhibit 99.1, which contains the company’s detailed financial results for the three and twelve months ended December 31, 2025.

What is the significance of Item 2.02 in BOTJ’s 8-K filing?

Item 2.02 indicates the filing relates to results of operations and financial condition. Bank of the James Financial Group uses this item to formally notify investors that it has issued a press release with financial results for the quarter and year ended December 31, 2025.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 02/04/2026 - 04:15 PM EST Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 8-K

_________________

Current Report

Pursuant to Section 13 or 15(d)

of The Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): February 4, 2026

_________________

BANK OF THE JAMES FINANCIAL GROUP, INC.

(Exact Name of Registrant as Specified in Its Charter)

_________________

Virginia	001-35402	20-0500300
(State or other jurisdiction of incorporation or organization)	(Commission File Number)	(IRS Employer Identification No.)
828 Main Street, Lynchburg, VA		24504
(Address of Principal Executive Offices)		(Zip code)
Registrant’s telephone number, including area code		(434) 846-2000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class		Trading Symbol(s)		Name of Each Exchange on Which Registered
Common Stock, $2.14 par value		BOTJ		The NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 - Results of Operations and Financial Condition

On Wednesday, February 4, 2026, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three and twelve months ended December 31, 2025 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1.

Item 9.01 - Financial Statements and Exhibits

(a) Financial statements of businesses acquired – not applicable

(b) Pro forma financial information – not applicable

(c) Shell company transactions – not applicable

(d) Exhibits

Exhibit No.	Exhibit Description
99.1	Bank of the James Financial Group, Inc. Press Release February 4, 2026
104	The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

‎

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: February 4, 2026			BANK OF THE JAMES FINANCIAL GROUP, INC.
			By /s/ Eric J. Sorenson, Jr. Eric J. Sorenson, Jr. Secretary-Treasurer

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