[8-K] Bank of the James Financial Group, Inc Reports Material Event

Rhea-AI Filing Summary

Bank of the James Financial Group, Inc. (NASDAQ: BOTJ) filed an 8-K to report a routine shareholder distribution.

• The Board declared a $0.10 per-share quarterly cash dividend on common stock.
• Record date: 12 Sep 2025  |  Payment date: on or about 26 Sep 2025.
• Item 9.01 confirms no associated financial statements, pro-forma information, or shell transactions.
• Only Exhibit 104 (iXBRL cover page) accompanies the filing.

No additional material events were disclosed.

Positive

• Declaration of a $0.10 quarterly cash dividend payable 26 Sep 2025 signals ongoing shareholder returns.

Negative

• None.

Insights

Dividend Analyst

TL;DR: Routine $0.10 dividend, neutral impact.

The announcement signals continued cash returns but contains no evidence of a dividend increase, special payout, or policy change. Given the lack of comparative data, investors should view the action as a standard quarterly distribution that neither alters earnings outlook nor capital strategy. Liquidity and capital ratios are not discussed, leaving limited insight into sustainability beyond historical practice.

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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): July 22, 2025

_________________

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 8.01 – Other Events

On July 22, 2025, the Board of Directors of the Company declared a quarterly cash dividend of $0.10 per share of common stock. The dividend will be paid on or about September 26, 2025 to stockholders of record as of the close of business on September 12, 2025.

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
104	The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

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: July 28, 2025			BANK OF THE JAMES FINANCIAL GROUP, INC.
			By /s/ J. Todd Scruggs J. Todd Scruggs Secretary-Treasurer

2

FAQ

What dividend did BOTJ declare in the July 22 2025 8-K?

A $0.10 per-share quarterly cash dividend on common stock.

When is the BOTJ dividend record date?

Shareholders must be on record by 12 September 2025 to receive the dividend.

When will BOTJ pay the declared dividend?

Payment is scheduled for 26 September 2025, subject to standard processing timelines.

Does the 8-K include any financial statements or pro-forma data?

No. Items 9.01(a)-(c) are marked "not applicable."

What exhibit accompanies this BOTJ 8-K filing?

Exhibit 104 provides the cover page formatted in Inline XBRL.