What is the 13F Pro Quality Score for BOTJ?

13F Pro ranks BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BOTJ's current score at https://13fpro.ai/research/BOTJ (free sign-up required for the full ranking).

Which hedge funds own the most BOTJ stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of BOTJ include Fourthstone, PETTYJOHN, WOOD & WHITE,, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/BOTJ as soon as new 13F filings post.

Where does 13F Pro source BOTJ data?

All BANK OF THE JAMES FINANCIAL GROUP INC fundamentals and ownership data come directly from SEC EDGAR. BANK OF THE JAMES FINANCIAL GROUP INC files with the SEC under CIK 1275101. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BOTJ in?

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is BOTJ research updated on 13F Pro?

BOTJ's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

BANK OF THE JAMES FINANCIAL GROUP INC(BOTJ)Stock Analysis

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13F Pro Quality Score

57.5/100

Rank #1,037 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

36.9/100

Profitability

97.5/100

Balance Sheet

42.4/100

Earnings Quality

41.1/100

Free Cash Flow

97.8/100

Institutional Flow

50.4/100

Revenue Scale

1.7/100

Dilution Risk

94.9/100

BOTJ Stock Analysis & AI Quality Score

AI stock analysis and institutional research for BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ), a Financials sector company. 13F Pro's AI-powered ranking engine scores BOTJ at 57.5/100 on a 32-signal composite quality model, placing it at rank #1,037 of 2,879 stocks — the top half of the AI-ranked universe. BOTJ scores in the top quartile across free cash flow (97.8), profitability (97.5). Areas of concern include revenue scale (1.7) and revenue growth (36.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), BANK OF THE JAMES FINANCIAL GROUP INC reports quarterly revenue of $12.7M, net income of $2.8M, an operating margin of 27.4%. Top institutional holders of BOTJ by reported 13-F value include Fourthstone, PETTYJOHN, WOOD & WHITE,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. BOTJ trades on the Nasdaq exchange and files with the SEC under CIK 1275101. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BOTJ daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for BANK OF THE JAMES FINANCIAL GROUP INC directly from SEC EDGAR. BANK OF THE JAMES FINANCIAL GROUP INC's 13F Pro composite quality score has ranged between 49 and 68 since 2024, currently 57.5 — a declining long-term trajectory across 15 quarterly and live scoring snapshots.

Revenue

Q1 2026

$12.7M

Net Income

Q1 2026

$2.8M

Free Cash Flow

Q1 2026

$4.4M

Operating Margin

Q1 2026

27.4%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+6.7% YoY

$4.3MFY 2025

FY22 $3.6MFY23 $3.9MFY24 $4.0MFY25 $4.3M

Net Income

+13.6% YoY

$9.0MFY 2025

FY22 $9.0MFY23 $8.7MFY24 $7.9MFY25 $9.0M

EPS (Diluted)

+13.7% YoY

$1.99FY 2025

FY22 $1.91FY23 $1.91FY24 $1.75FY25 $1.99

Total Assets

+6.1% YoY

$1.04BFY 2025

FY22 $928.6MFY23 $969.4MFY24 $979.2MFY25 $1.04B

Op. Cash Flow

+37.0% YoY

$11.7MFY 2025

FY22 $9.3MFY23 $9.5MFY24 $8.5MFY25 $11.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$4.3M +6.7%	$4.0M +2.6%	$3.9M +8.6%	$3.6M +43.9%	$2.5M +22.8%	$2.0M
Net Income	$9.0M +13.6%	$7.9M -8.7%	$8.7M -2.8%	$9.0M +18.1%	$7.6M +52.4%	$5.0M
EPS (Diluted)	$1.99 +13.7%	$1.75 -8.4%	$1.91 +0.0%	$1.91 +19.4%	$1.60 +53.8%	$1.04
Total Assets	$1.04B +6.1%	$979.2M +1.0%	$969.4M +4.4%	$928.6M -6.0%	$987.6M +16.0%	$851.4M
Operating Cash Flow	$11.7M +37.0%	$8.5M -10.4%	$9.5M +1.9%	$9.3M -43.0%	$16.3M +214.5%	$5.2M

AI Insight: BOTJ Financial Trends

Net income doubled to $3M by Q2 2025 and sustained through Q1 2026, while equity grew 31% from $62M to $81M despite flat revenue.

• Net income increased from $1M–$2M range (Q2–Q4 2024) to consistent $3M (Q2 2025–Q1 2026), reflecting improved profitability.

• Equity expanded 31% from $62M (Q2 2024) to $81M (Q1 2026), strengthening the balance sheet substantially.

• Operating cash flow averaged $3.6M across eight quarters with no clear directional trend; highly volatile quarter-to-quarter.

⚠ Revenue stalled at $1M every quarter across 24 months; zero growth despite rising net income suggests one-time gains or cost cuts.

⚠ Total debt rose 31% from $62M to $81M alongside equity growth; leverage ratio warrants monitoring for sustainability.

AI Insight: BOTJ Ratio Trends

BOTJ rebounded sharply from Q1 2025 trough; ROE and ROIC have normalized to ~13–17% range after Q1 collapse.

• ROE recovered from 4.9% in Q1 2025 to 13.7% in Q1 2026; ROIC climbed from 6.1% to 17.1% over same period.

• ROA stabilized at 1.1% in Q2–Q4 2025 and Q1 2026, up from 0.3% in Q1 2025 trough.

⚠ Q1 2025 showed severe profitability collapse (NPM 85.8%, ROE 4.9%, ROIC 6.1%); root cause and permanence unclear.

⚠ OpMargin and NPM data missing from recent quarters; limits visibility into margin sustainability post-recovery.

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Available Research

13F Pro tracks comprehensive data for BANK OF THE JAMES FINANCIAL GROUP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BOTJ

Fourthstone LLC
$7.9M385,498 sh
PETTYJOHN, WOOD & WHITE, INC
$4.6M224,259 sh
VANGUARD CAPITAL MANAGEMENT LLC
$3.3M159,772 sh
Daytona Street Capital LLC
$3.2M157,123 sh
CAPTRUST FINANCIAL ADVISORS
$3.0M147,310 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$746.5K36,238 sh
GEODE CAPITAL MANAGEMENT, LLC
$730.6K35,455 sh
DIMENSIONAL FUND ADVISORS LP
$689.3K33,458 sh
Krilogy Financial LLC
$653.4K28,900 sh
VANGUARD FIDUCIARY TRUST CO
$532.2K25,837 sh

Fund	Value	Shares
Fourthstone LLC	$7.9M	385,498
PETTYJOHN, WOOD & WHITE, INC	$4.6M	224,259
VANGUARD CAPITAL MANAGEMENT LLC	$3.3M	159,772
Daytona Street Capital LLC	$3.2M	157,123
CAPTRUST FINANCIAL ADVISORS	$3.0M	147,310
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$746.5K	36,238
GEODE CAPITAL MANAGEMENT, LLC	$730.6K	35,455
DIMENSIONAL FUND ADVISORS LP	$689.3K	33,458
Krilogy Financial LLC	$653.4K	28,900
VANGUARD FIDUCIARY TRUST CO	$532.2K	25,837

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Is BOTJ a good stock to buy?

13F Pro's AI-powered analysis of BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BOTJ are available on the BOTJ stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own BOTJ?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BOTJ. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of BANK OF THE JAMES FINANCIAL GROUP INC's investment landscape.