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BOTJ Bank of the James Financial Group, Inc. — dividend yield, history & ex-dividend dates

NASDAQ Capital Market· Quarterly dividend· Common Stock · Financial Services / Banks - Regional

$26.84 ▼ $-0.15(-0.56%) as of Oct 19, 2026 06:20 UTC
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Bank of the James Financial Group, Inc. serves as the holding company for Bank of the James, which delivers a full spectrum of retail and commercial banking services. Its clientele spans individuals, businesses, various organizations and associations, and government entities across Virginia, within the United States. The institution offers a diverse range of deposit products, including checking, savings, individual retirement (IRA), and health savings accounts (HSA), as well as time deposits like money market accounts and certificates of deposit. On the lending front, the company provides credit facilities to small and medium-sized businesses for acquiring equipment, upgrading facilities, purchasing inventory, and fulfilling general working capital requirements. It also specializes in financing commercial and residential construction and development projects, extending commercial real estate mortgages, and originating residential home loans. For consumers, the bank offers both secured and unsecured loan options, such as lines of credit (including overdraft protection), personal, automobile, installment, demand, and home equity loans for personal, family, or household use. Beyond these core offerings, Bank of the James provides additional services like safe deposit boxes, traveler's checks, automated direct deposits for payroll and social security, automatic payment drafts for various accounts, treasury management solutions, and credit card merchant services. The Group further extends its reach into wealth management through securities brokerage and investment services. Modern banking needs are met with telephone and internet banking services, which include online bill payment, and it also acts as an agent for insurance and annuity products. The company conducts its operations through a network consisting of 16 full-service branches, 2 limited-service offices, and one dedicated residential mortgage loan origination office. Founded in 1998, its corporate headquarters are located in Lynchburg, Virginia.

Dividend Snapshot

StatusGrowing
Last Dividend$0.1000Paid Sep 04, 2026
Forward Annual$0.40From the $0.1000 dividend declared Jul 28, 2026
FrequencyQuarterly
Last Ex-DateAug 21, 2026The most recent ex-dividend date that has already passed.
1-Yr Growth0.0%Annual totals, 2024–2025
10-Yr Growth7.2%Annual totals, 2015–2025

Research Scores

Scores describe this security's published financial data on a 0–100 scale using the formulas on our methodology pages. They are the same for every reader, are not a probability or a forecast, and are not a recommendation. Past dividend growth does not guarantee future increases. Report a data error.

Dividend Safety Score

86/100

Very strong indicators

Complete data

Dividend Growth Score

69/100

Strong growth record

Complete data

Dividend Value Score

12/100

Well above own historical valuation

Complete data

DividendRank

59/100

Middle of the scale

Complete data

How the Dividend Safety Score is built for BOTJ
InputValuePointsWeight
Dividend record12 years of uninterrupted regular payments 73 25%
Earnings stabilityNet income positive in 5 of the last 5 fiscal years (FY2021–FY2025) 100 15%
Earnings payout ratioEarnings payout ratio 17% (TTM to Mar 31, 2026) 100 30%
Equity / assetsEquity / assets 8.0% (balance sheet Jun 30, 2026) 70 20%
Return on assetsReturn on assets 1.06% (TTM to Mar 31, 2026; average total assets) 89 10%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: bank. Formula version 2026-10-19.4.

How the Dividend Growth Score is built for BOTJ
InputValuePointsWeight
5-year dividend growth5-year dividend CAGR 9.5% (2020–2025) 97 25%
Consecutive annual increases0 consecutive annual increases (through 2025) 10 20%
Payout headroomHeadroom from the earnings payout ratio 17% (TTM to Mar 31, 2026) 100 20%
Earnings per share growth (3 years)EPS CAGR 1.4% (FY2022–FY2025) 50 15%
10-year dividend growth10-year dividend CAGR 7.2% (2015–2025) 86 10%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: bank. Formula version 2026-10-19.4.

How the Dividend Value Score is built for BOTJ
InputValuePointsWeight
Yield vs own historyCurrent yield at the 3rd percentile of its 120 month-end yields 3 45%
P/B vs own 5-year medianP/B 1.5 is 1.39x its 5-year median of 1.1 9 30%
P/B vs peersP/B 1.5 vs peer median 1.3 (1.17x; 117 bank / Financial Services securities) 33 25%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: bank. Formula version 2026-10-19.4.

Key Metrics

Current Yield

1.49%

At the Oct 19, 2026 price

The annual dividend as a percentage of the share price. A 3% yield is about $3 of dividends a year for every $100 invested at today's price.

Annualized Dividend

$0.4000

Declared Jul 28, 2026

The latest declared regular dividend scaled to a full year by how often it's paid (for semi-annual payers, the latest two payments), adjusted for stock splits. A $0.25 quarterly dividend annualizes to $1.00. Special dividends are excluded.

Frequency

Q Quarterly

How often the dividend is paid, read from the dates of recent payments: Q = quarterly (4x a year), M = monthly, S = semi-annual, A = annual.

RSI (14)

42

As of Oct 19, 2026

Relative Strength Index (0-100), a price-momentum gauge. Above 70 is often called 'overbought', below 30 'oversold'. A technical signal, not a dividend metric.

52-Week Range

$15.45 – $28.15

Closes through Oct 16, 2026

The lowest and highest price over the past year, showing where today's price sits in its recent range.

Payout Ratio (TTM)

15.81%

12 months to Jun 30, 2026 (Q2 FY2026)

The share of earnings paid out as dividends over the trailing twelve months (TTM): dividends paid divided by net income across the company's four most recent reported quarters, dated by the latest quarter end. A fiscal-year tag such as FY2025 means only annual figures were available. Lower leaves more cushion; above 100% means paying out more than the company earned. It shows n/a for funds and when net income over the period was negative; for REITs and BDCs it is marked EPS-based, since they are judged on FFO/AFFO or net investment income instead.

Years Paying

12

How many years of payments we have on record. This can understate very long histories where our data doesn't reach far enough back.

Price / Book (TTM)

1.47

Price as of Oct 18, 2026; latest reported book value

Price-to-book ratio: the share price on the date shown divided by the latest reported book value per share. A rough valuation gauge, most useful for asset-heavy sectors like REITs, banks and insurers.

S.A.F.E. Dividend Read

S.A.F.E. is a set of four checks on a dividend's record and the company's data, the same test used across the screener and our ranked lists. Solid: a Dividend Safety Score of 70+ and a yield of 2%+. Accelerating: at least three consecutive completed calendar years of higher total regular dividends. Flawless: since 1990, no calendar year whose total regular dividend fell more than 20% below the year before, and no suspension. Enduring: at least 20 years between the first and latest dividend in our records. All four met earns the S.A.F.E. flag.
S Solid
Below the Solid check (Dividend Safety Score 70+ and yield 2%+): Dividend Safety Score 86/100, yield 1.49%.
A Accelerating
Dividend growth has stalled — 0 consecutive annual increase(s), under the 3 this check looks for.
F Flawless
No calendar year's regular dividend total fell more than 20% below the year before, and no suspension of the regular dividend is on record.
E Enduring
12 year(s) of payments on record, under the 20 this check looks for.

Quote & Key Data

ExchangeNASDAQ Capital MarketThe stock exchange where the shares trade, such as NYSE or Nasdaq.
Volume54,124Oct 16, 2026 sessionHow many shares changed hands in the trading session dated beside this figure, a rough read on trading activity. Daily bars are refreshed on a slower cycle than the quoted price, so this session can be older than the price above.
Open$27.02Oct 16, 2026 sessionThe price at the start of the trading session dated beside this figure, which can be earlier than the session the quoted price comes from.
Day Range$26.65 – $27.07Oct 16, 2026 sessionThe lowest and highest price during the trading session dated beside this figure, which can be earlier than the session the quoted price comes from.
Prev Close$26.99Close of Oct 15, 2026The closing price from the session before the one dated beside these figures.
Market Cap$121.94MAs of Oct 19, 2026The company's total market value (share price times shares outstanding) on the date shown.
Shares Out4.54MImplied by market cap, Oct 19, 2026Shares outstanding implied by the market cap and share price on the date shown.
EPS (TTM)$2.5312 months to Jun 30, 2026 (Q2 FY2026)Earnings per share over the trailing twelve months (TTM), labeled with the end date of the latest reported quarter and shown in the company's reporting currency. Dividends are paid out of these earnings.
P/E (TTM)10.6Price as of Oct 18, 2026; earnings to Jun 30, 2026Price-to-earnings ratio: the share price on the date shown divided by trailing-twelve-month earnings per share. A rough gauge of how richly the stock is valued.
Last Ex-DateAug 21, 2026Paid Sep 04, 2026The most recent ex-dividend date that has already passed.
Next Ex-DateN/ANone declared yetThe ex-dividend date of the next payment the company has declared, or that is scheduled when no declaration is on file. Future dates our data provider only projects are not shown.

Dividend Growth

3-Yr Growth (CAGR)11.3%Annual totals, 2022–2025The dividend's average annual growth rate over the period, compounded.
5-Yr Growth (CAGR)9.5%Annual totals, 2020–2025The dividend's average annual growth rate over the period, compounded.
Consecutive Increases0 yrsAnnual totals through 2025The number of consecutive years the dividend has increased.

Why the Yield Moved (90 Days)

BOTJ's dividend yield fell from 1.51% to 1.49% over the past ~90 days (-0.02 pp). Of that move, +0.00 pp came from changes in the dividend rate and -0.02 pp from the share price ($26.50 on Jul 22, 2026 → $26.84 on Oct 19, 2026). A yield that rises because the price fell is not an improvement in the payout itself.

Yield vs Its Own History

Current1.49%
1-Yr Average1.85%
Low / High1.42% – 2.64%
Percentile19%

Across 275 daily observations over the past 13 months (through Oct 16, 2026), BOTJ's current yield is higher than approximately 19% of them. Our stored price history for BOTJ covers the past 13 months; 3- and 5-year averages are not yet computable from it and are deliberately not shown.

Adjusted Price History

Dividend History

Dividend Payment History

Ex-dividend calendar →
Amount Type Declared Ex-Date Record Pay
$0.1000 Q Regular Jul 28, 2026 Aug 21, 2026 Aug 21, 2026 Sep 04, 2026
$0.1000 Q Regular Apr 28, 2026 May 22, 2026 May 22, 2026 Jun 05, 2026
$0.1000 Q Regular Jan 27, 2026 Feb 17, 2026 Feb 17, 2026 Mar 06, 2026
$0.1000 Q Regular Oct 28, 2025 Nov 21, 2025 Nov 21, 2025 Dec 05, 2025
$0.1000 Q Regular Jul 22, 2025 Sep 12, 2025 Sep 12, 2025 Sep 26, 2025
$0.1000 Q Regular Apr 15, 2025 Jun 06, 2025 Jun 06, 2025 Jun 20, 2025
$0.1000 Q Regular Jan 21, 2025 Mar 07, 2025 Mar 07, 2025 Mar 21, 2025
$0.1000 Q Regular Oct 15, 2024 Nov 22, 2024 Nov 22, 2024 Dec 06, 2024
$0.1000 Q Regular Jul 16, 2024 Sep 06, 2024 Sep 06, 2024 Sep 20, 2024
$0.1000 Q Regular Apr 16, 2024 Jun 07, 2024 Jun 07, 2024 Jun 21, 2024
$0.1000 Q Regular Jan 16, 2024 Feb 29, 2024 Mar 01, 2024 Mar 15, 2024
$0.0800 Q Regular Oct 17, 2023 Nov 22, 2023 Nov 24, 2023 Dec 08, 2023
$0.0800 Q Regular Jul 18, 2023 Aug 31, 2023 Sep 01, 2023 Sep 15, 2023
$0.0800 Q Regular Apr 18, 2023 Jun 01, 2023 Jun 02, 2023 Jun 16, 2023
$0.0800 Q Regular Jan 17, 2023 Mar 02, 2023 Mar 03, 2023 Mar 17, 2023
$0.0800 Q Regular Oct 18, 2022 Nov 23, 2022 Nov 25, 2022 Dec 09, 2022
$0.0700 Q Regular Jul 19, 2022 Sep 01, 2022 Sep 02, 2022 Sep 16, 2022
$0.0700 Q Regular Apr 19, 2022 Jun 02, 2022 Jun 03, 2022 Jun 17, 2022
$0.0700 Q Regular Jan 18, 2022 Mar 03, 2022 Mar 04, 2022 Mar 18, 2022
$0.0700 Q Regular Oct 19, 2021 Nov 24, 2021 Nov 26, 2021 Dec 10, 2021
$0.0700 Q Regular Jul 20, 2021 Sep 02, 2021 Sep 03, 2021 Sep 17, 2021
$0.0636 Q Regular Apr 20, 2021 Jun 03, 2021 Jun 04, 2021 Jun 18, 2021
$0.0700 Q Regular Jan 19, 2021 Mar 04, 2021 Mar 05, 2021 Mar 19, 2021
$0.0700 Q Regular Oct 20, 2020 Nov 25, 2020 Nov 27, 2020 Dec 11, 2020
$0.0700 Q Regular Jul 21, 2020 Sep 03, 2020 Sep 04, 2020 Sep 18, 2020
$0.0700 Q Regular Apr 21, 2020 Jun 04, 2020 Jun 05, 2020 Jun 19, 2020
$0.0700 Q Regular Jan 21, 2020 Mar 05, 2020 Mar 06, 2020 Mar 20, 2020
$0.0400 S Special Nov 19, 2019 Dec 06, 2019 Dec 09, 2019 Dec 23, 2019
$0.0600 Q Regular Oct 15, 2019 Nov 27, 2019 Nov 29, 2019 Dec 13, 2019
$0.0600 Q Regular Jul 30, 2019 Sep 05, 2019 Sep 06, 2019 Sep 20, 2019
$0.0600 Q Regular Apr 23, 2019 Jun 06, 2019 Jun 07, 2019 Jun 21, 2019
$0.0600 Q Regular Jan 15, 2019 Mar 07, 2019 Mar 08, 2019 Mar 22, 2019
$0.0600 Q Regular Oct 16, 2018 Nov 29, 2018 Nov 30, 2018 Dec 14, 2018
$0.0600 Q Regular Jul 17, 2018 Sep 06, 2018 Sep 07, 2018 Sep 21, 2018
$0.0600 Q Regular Apr 17, 2018 Jun 07, 2018 Jun 08, 2018 Jun 22, 2018
$0.0600 Q Regular Jan 26, 2018 Mar 08, 2018 Mar 09, 2018 Mar 23, 2018
$0.0600 Q Regular Oct 17, 2017 Nov 30, 2017 Dec 01, 2017 Dec 15, 2017
$0.0600 Q Regular Jul 18, 2017 Sep 07, 2017 Sep 08, 2017 Sep 22, 2017
$0.0600 Q Regular Apr 24, 2017 Jun 07, 2017 Jun 09, 2017 Jun 23, 2017
$0.0600 Q Regular Jan 23, 2017 Mar 08, 2017 Mar 10, 2017 Mar 24, 2017
$0.0600 Q Regular Oct 18, 2016 Nov 30, 2016 Dec 02, 2016 Dec 16, 2016
$0.0600 Q Regular Jul 19, 2016 Sep 07, 2016 Sep 09, 2016 Sep 23, 2016
$0.0600 Q Regular Apr 19, 2016 Jun 08, 2016 Jun 10, 2016 Jun 24, 2016
$0.0600 Q Regular Jan 20, 2016 Mar 09, 2016 Mar 11, 2016 Mar 25, 2016
$0.0600 Q Regular Oct 20, 2015 Dec 02, 2015 Dec 04, 2015 Dec 18, 2015
$0.0600 Q Regular May 19, 2015 Sep 09, 2015 Sep 11, 2015 Sep 25, 2015
$0.0500 Q Regular Apr 21, 2015 Jun 10, 2015 Jun 12, 2015 Jun 26, 2015
$0.0500 Q Regular Jan 23, 2015 Mar 11, 2015 Mar 13, 2015 Mar 27, 2015
$0.0500 Q Regular Oct 24, 2014 Dec 10, 2014 Dec 12, 2014 Dec 26, 2014
$0.0500 Q Regular Aug 19, 2014 Sep 17, 2014 Sep 19, 2014 Oct 03, 2014
$0.0500 Q Regular May 20, 2014 Jun 17, 2014 Jun 19, 2014 Jul 03, 2014

Peer Comparison

Selected Banks - Regional dividend payers we cover, strongest DividendRank first — for context, not a recommendation.

TickerNameYield5-Yr GrowthStreakRank
FCNCB First Citizens BancShares, Inc. 0.50% 36.6% 9 yrs 91
FCNCA First Citizens BancShares, Inc. 0.40% 36.6% 9 yrs 88
PB Prosperity Bancshares, Inc. 3.54% 4.6% 24 yrs 86
CBSH Commerce Bancshares, Inc. 1.98% 5.1% 35 yrs 85

Related Guides & Lists

BOTJ dividend — frequently asked questions

Does Bank of the James Financial Group, Inc. pay a dividend?

Yes. Bank of the James Financial Group, Inc. (BOTJ) currently pays a dividend. The annualized dividend is about $0.40 per share, a yield of approximately 1.49%.

What is Bank of the James Financial Group, Inc.'s dividend yield?

Bank of the James Financial Group, Inc.'s dividend yield is approximately 1.49%, based on the most recent regular payment annualized against the current share price. Yields move as the share price changes.

How often does Bank of the James Financial Group, Inc. pay dividends?

Bank of the James Financial Group, Inc. pays dividends quarterly — 4 times per year.

How long has Bank of the James Financial Group, Inc. paid dividends?

Bank of the James Financial Group, Inc. has 12 years of dividend payments on record.

Data updated Oct 19, 2026. This research page is generated from Dividendly's structured market and dividend dataset using the approach described on our methodology and data sources pages. Data is automatically validated using defined rules and may also be periodically reviewed. Research only, not investment advice. Spotted a data error? Report it.

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