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BOTJ DRIP Calculator & Dividend Yield 2026
1.35% YieldFinancial ServicesBank of the James Financial Group, Inc. · NASDAQ
Price: $29.73 · Annual div: $0.4000/share · Frequency: quarterly · Payout ratio: 20% · Ex-div: 2026-08-21
Calculator settings
Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When BOTJ pays your bills
Year your monthly dividend income covers each expense (based on current settings)
BOTJ Dividend History — Last 51 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-08-21Latest | 2026-09-04 | $0.1000 | 1.84% | $27.16 |
| 2026-05-22 | 2026-06-05 | $0.1000 | 2.18% | $22.93 |
| 2026-02-17 | 2026-03-06 | $0.1000 | 2.50% | $20.00 |
| 2025-11-21 | 2025-12-05 | $0.1000 | 2.94% | $17.00 |
| 2025-09-12 | 2025-09-26 | $0.1000 | 2.58% | $15.52 |
| 2025-06-06 | 2025-06-20 | $0.1000 | 3.50% | $14.30 |
| 2025-03-07 | 2025-03-21 | $0.1000 | 3.05% | $13.10 |
| 2024-11-22 | 2024-12-06 | $0.1000 | 3.02% | $13.26 |
| 2024-09-06 | 2024-09-20 | $0.1000 | 2.83% | $13.41 |
| 2024-06-07 | 2024-06-21 | $0.1000 | 3.27% | $11.00 |
| 2024-02-29 | 2024-03-15 | $0.1000 | 3.46% | $12.13 |
| 2023-11-22 | 2023-12-08 | $0.0800 | 4.00% | $9.99 |
| 2023-08-31 | 2023-09-15 | $0.0800 | 3.62% | $10.77 |
| 2023-06-01 | 2023-06-16 | $0.0800 | 4.17% | $9.11 |
| 2023-03-02 | 2023-03-17 | $0.0800 | 2.86% | $12.95 |
| 2022-11-23 | 2022-12-09 | $0.0800 | 3.04% | $11.86 |
| 2022-09-01 | 2022-09-16 | $0.0700 | 2.85% | $12.30 |
| 2022-06-02 | 2022-06-17 | $0.0700 | 2.60% | $13.23 |
| 2022-03-03 | 2022-03-18 | $0.0700 | 2.23% | $15.10 |
| 2021-11-24 | 2021-12-10 | $0.0700 | 2.07% | $15.99 |
| 2021-09-02 | 2021-09-17 | $0.0700 | 2.29% | $14.15 |
| 2021-06-03 | 2021-06-18 | $0.0636 | 1.87% | $17.03 |
| 2021-03-04 | 2021-03-19 | $0.0636 | 2.37% | $13.43 |
| 2020-11-25 | 2020-12-11 | $0.0636 | — | — |
| 2020-09-03 | 2020-09-18 | $0.0636 | — | — |
| 2020-06-04 | 2020-06-19 | $0.0636 | — | — |
| 2020-03-05 | 2020-03-20 | $0.0636 | — | — |
| 2019-12-06 | 2019-12-23 | $0.0364 | — | — |
| 2019-11-27 | 2019-12-13 | $0.0545 | — | — |
| 2019-09-05 | 2019-09-20 | $0.0545 | — | — |
| 2019-06-06 | 2019-06-21 | $0.0545 | — | — |
| 2019-03-07 | 2019-03-22 | $0.0545 | — | — |
| 2018-11-29 | 2018-12-14 | $0.0545 | — | — |
| 2018-09-06 | 2018-09-21 | $0.0545 | — | — |
| 2018-06-07 | 2018-06-22 | $0.0545 | — | — |
| 2018-03-08 | 2018-03-23 | $0.0545 | — | — |
| 2017-11-30 | 2017-12-15 | $0.0545 | — | — |
| 2017-09-07 | 2017-09-22 | $0.0545 | — | — |
| 2017-06-07 | 2017-06-23 | $0.0545 | — | — |
| 2017-03-08 | 2017-03-24 | $0.0545 | — | — |
| 2016-11-30 | 2016-12-16 | $0.0545 | — | — |
| 2016-09-07 | 2016-09-23 | $0.0545 | — | — |
| 2016-06-08 | 2016-06-24 | $0.0545 | — | — |
| 2016-03-09 | 2016-03-25 | $0.0545 | — | — |
| 2015-12-02 | 2015-12-18 | $0.0545 | — | — |
| 2015-09-09 | 2015-09-25 | $0.0545 | — | — |
| 2015-06-10 | 2015-06-26 | $0.0455 | — | — |
| 2015-03-11 | 2015-03-27 | $0.0455 | — | — |
| 2014-12-10 | 2014-12-26 | $0.0455 | — | — |
| 2014-09-17 | 2014-10-03 | $0.0455 | — | — |
| 2014-06-17 | 2014-07-03 | $0.0455 | — | — |
About Bank of the James Financial Group, Inc. (BOTJ) — Dividend Analysis 2026
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.
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Forward dividend yield from the latest data · open any DRIP calculator
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🌍 BOTJ Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold BOTJ.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.35% | -1.45% | $135 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.15% | -1.65% | $115 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.08% | -1.72% | $108 / yr |
| 🇬🇧 UK ISA | 0% | 1.35% | -1.45% | $135 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.23% | -1.57% | $123 / yr |
| 🇨🇦 TFSA | 0% | 1.35% | -1.45% | $135 / yr |
| 🇨🇦 CA Taxable | 25% | 1.01% | -1.79% | $101 / yr |
| 🇦🇺 Super (pension) | 15% | 1.15% | -1.65% | $115 / yr |
| 🇦🇺 AU Taxable | 30% | 0.94% | -1.85% | $95 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.99% | -1.81% | $99 / yr |
| 🇫🇷 FR Taxable | 30% | 0.94% | -1.85% | $95 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 BOTJ Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.40/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 BOTJ Dividend Payment Schedule
BOTJ pays quarterly — 4 times per year. Ex-div: 2026-08-21.
📊 BOTJ vs Financial Services Benchmarks
How BOTJ compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for BOTJ sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ BOTJ Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2026-08-07 | 100 | $27.05 | $2.7K | ||
| Buy | 2026-08-10 | 70 | $27.21 | $1.9K | ||
| Buy | 2026-08-06 | 447 | $28.01 | $12.5K | ||
| Buy | 2026-08-06 | 650 | $27.10 | $17.6K | ||
| Buy | 2026-05-07 | 1,000 | $23.40 | $23.4K | ||
| Buy | 2026-05-07 | 82 | $23.18 | $1.9K | ||
| Buy | 2026-05-06 | 1,043 | $23.11 | $24.1K | ||
| Buy | 2026-02-20 | 1,200 | $20.89 | $25.1K | ||
| Buy | 2026-02-19 | 600 | $20.82 | $12.5K | ||
| Buy | 2026-02-12 | 396 | $20.00 | $7.9K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Peer Group
Similar companies in the same sectorCompare BOTJ with peers: BOTJ vs AUBN · BOTJ vs CASH · BOTJ vs FDSB
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the BOTJ dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Bank of the James Financial Group, Inc. (BOTJ) is currently trading at $29.73, trading near its 52-week high. The current dividend yield is 1.35% based on an annual payout of $0.4000 per share.
BOTJ (Bank of the James Financial Group, Inc.) — 1.35% Dividend Yield Analysis
Bank of the James Financial Group, Inc. (BOTJ) is a financial services stock currently trading at $29.73 with a dividend yield of 1.35%. It pays an annual dividend of $0.4000 per share. The payout ratio of 20% suggests the dividend is well-covered by earnings. Over the past 5 years, BOTJ has grown its dividend at a compound annual rate of 9.5%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
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