Trailing Dividend / Share
$0.40
Bank of the James Financial Group, Inc. (BOTJ) Dividend History
Income profile from 2014 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.6%
Payout Ratio
20.1%
Sustainable
Dividend Streak
0 years
BOTJ Dividend Income Check
Safety
20.1% payout ratio with sustainable safety profile.
Consistency
0 straight years of dividend increases.
Income Trend
Yield on cost is 3.5% and trend is rising.
BOTJ Dividend Scorecard
Yield & Income
Dividend Yield1.6%
Trailing DPS$0.40
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout20.1%
Earnings SafetySustainable
FCF Payout17.7%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak0 years
3Y CAGR11.3%
5Y CAGR9.5%
Yield on Cost (5Y)3.5%
YOC Trendrising
Total Returns
Buyback Yield0.0%
Total Shareholder Yield1.6%
1Y Total Return75.9%
5Y Total Return55.8%
Div Contribution (5Y)10.3%
Estimated $10K growth (return + dividends):
5Y ago$15,58510Y ago$25,52220Y ago$21,627
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
BOTJ Income Growth Story
Dividend per share and yield on cost over time (13 years of payments)
BOTJ Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
Bank of the James Financial Group, Inc. distributes 20.1% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 17.7%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
BOTJ does not have a current streak of consecutive dividend increases, with a 3-year CAGR of 11.3% and 5-year CAGR of 9.5%.
Total Shareholder Returns
Beyond cash dividends, BOTJ returns capital through share repurchases. The combined picture: 1.6% dividend yield, 1.6% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.5% and is currently rising. The 5-year total return is 55.8%, with dividends contributing 10.3% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $25,522 today.
BOTJ Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$1.75
Avg/Payment$0.0875
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 22, 2026Latest | $0.1000 | — | 1.76% | Jun 5, 2026 |
| Feb 17, 2026 | $0.1000 | — | 1.95% | Mar 6, 2026 |
| Nov 21, 2025 | $0.1000 | — | 2.25% | Dec 5, 2025 |
| Sep 12, 2025 | $0.1000 | — | 2.62% | Sep 26, 2025 |
| Jun 6, 2025 | $0.1000 | — | 2.81% | Jun 20, 2025 |
| Mar 7, 2025 | $0.1000 | — | 3.06% | Mar 21, 2025 |
| Nov 22, 2024 | $0.1000 | — | 2.71% | Dec 6, 2024 |
| Sep 6, 2024 | $0.1000 | — | 2.86% | Sep 20, 2024 |
BOTJ Dividend vs Peers
Comparable companies in the same industry
#6 yield in peer group
Div Yield
1.6%
#6 of 8
Safety
Sustainable
20.1% payout
Streak
0Y
9.5% 5Y CAGR
Total Shareholder
1.6%
#8 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
 BOTJBank of the James Fi… | $112M | 1.6% | 20.1% | 0 | Sustainable |
 CZWICitizens Community B… | $207M | 1.7% | 25.0% | 6 | Sustainable |
 MNSBMainStreet Bancshare… | $184M | 1.6% | 19.5% | 0 | Sustainable |
2nd  NKSHNational Bankshares,… | $231M | 4.2% | 60.7% | 0 | Watch |
3rd  FXNCFirst National Corpo… | $273M | 2.0% | 31.2% | 11 | Sustainable |
 BWFGBankwell Financial G… | $444M | 1.4% | 17.8% | 0 | Sustainable |
1st  FISFidelity National In… | $20.3B | 4.2% | 2.2% | 1 | Sustainable |
 JKHYJack Henry & Associa… | $9.3B | 1.8% | 36.1% | 22 | Sustainable |
BOTJ Annual Dividend History (2001–2026)
26 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.20 | — | 2 | — | — | — | 1.8% |
| 2025 | $0.40 | 0.0% | 4 | $1.99 | 20.1% | 4.97x | 3.5% |
| 2024 | $0.40 | 25.0% | 4 | $1.75 | 22.9% | 4.38x | 3.5% |
| 2023 | $0.32 | 10.3% | 4 | $1.91 | 16.8% | 5.97x | 2.8% |
| 2022 | $0.29 | 8.5% | 4 | $1.91 | 15.2% | 6.59x | 2.6% |
| 2021 | $0.27 | 5.0% | 4 | $1.60 | 16.7% | 5.99x | 2.4% |
| 2020 | $0.25 | 0.0% | 4 | $1.04 | 24.5% | 4.09x | 2.2% |
| 2019 | $0.25 | 16.7% | 5 | $1.16 | 21.9% | 4.56x | 2.2% |
| 2018 | $0.22 | 0.0% | 4 | $1.10 | 19.8% | 5.04x | 1.9% |
| 2017 | $0.22 | 0.0% | 4 | $0.61 | 35.8% | 2.80x | 1.9% |
What if you invested $1,000 in BOTJ back in 2014?
Total return with dividends reinvested · 12+ years of data
Calculate ReturnsHow much would $100/month in BOTJ be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs BOTJ Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowBOTJ — Frequently Asked Questions
Quick answers to the most common questions about buying BOTJ stock.
How much dividend does BOTJ pay per share?
Bank of the James Financial Group, Inc. (BOTJ) pays a trailing 12-month dividend of $0.40 per share, with a current dividend yield of +1.6%. Payments are made Semi-Annual.
When is BOTJ's next ex-dividend date?
BOTJ's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. BOTJ typically pays dividends Semi-Annual.
Is BOTJ's dividend safe?
BOTJ's dividend safety is rated "Sustainable" based on an earnings payout ratio of +20.1% and FCF payout ratio of +17.7%. The dividend history does not yet show a prolonged growth streak.
How many years has BOTJ increased its dividend?
BOTJ has not maintained a consecutive growth streak recently. The 5-year dividend CAGR is +9.5%.
How often does BOTJ pay dividends?
Bank of the James Financial Group, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.40 per share. Dividend data on this page covers 12+ years from 2014 to 2026.
How much would $10,000 invested in BOTJ grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in BOTJ five years ago would be worth approximately $15,585 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is BOTJ's yield on cost for long-term holders?
BOTJ's yield on cost — the current dividend divided by the original purchase price — is +3.5% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.6% market yield, thanks to consistent dividend growth.