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/company/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/company/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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SEC EDGAR: CIK 1275101 BOTJ stock profile & AI dashboard →

13F Pro Quality Score

54.4/100

Rank #1,337 of 2,962 stocksTOP 50%

View Financials peers →

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

Revenue Growth

59.1/100

Profitability

85.9/100

Balance Sheet

44.4/100

Earnings Quality

40.2/100

Free Cash Flow

75.6/100

Institutional Flow

45.6/100

Revenue Scale

9.0/100

Dilution Risk

94.7/100

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Why BOTJ Scores 54/100

exact factor attribution · 2026-09-11

BOTJ's composite is driven by profitability and free cash flow, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+7.2 pts

86th pct

Free cash flow

+3.8 pts

76th pct

Shareholder dilution

+3.0 pts

95th pct

Revenue growth

+2.4 pts

59th pct

Earnings growth

+1.0 pts

65th pct

Institutional flow

-0.3 pts

46th pct

Capital efficiency

-0.8 pts

44th pct

Earnings quality

-1.0 pts

40th pct

Scale

-8.2 pts

9th pct

Latest change (2026-08-16): 55 → 60 · ↑ Revenue growth 30→62; ↑ Earnings growth 36→68; despite ↓ earnings_quality 63→36

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

BOTJ Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 54.4/100 on a 32-signal composite quality model, placing it at rank #1,337 of 2,962 stocks — the top half of the AI-ranked universe. BOTJ scores in the top quartile across profitability (85.9), free cash flow (75.6). Areas of concern include revenue scale (9.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), BANK OF THE JAMES FINANCIAL GROUP INC reports quarterly revenue of $13.7M, net income of $3.2M, an operating margin of 29.6%. 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 54.4 — a declining long-term trajectory across 55 quarterly and live scoring snapshots.

Revenue

Q2 2026

$13.7M

Net Income

Q2 2026

$3.2M

Free Cash Flow

Q2 2026

$332.0K

Operating Margin

Q2 2026

29.6%

ROIC

Q2 2026

19.6%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+9.7% YoY

$48.7MFY 2025

FY22 $42.9MFY23 $42.6MFY24 $44.4MFY25 $48.7M

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

Free Cash Flow

+76.1% YoY

$10.5MFY 2025

FY22 $8.1MFY23 $7.9MFY24 $6.0MFY25 $10.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$48.7M +9.7%	$44.4M +4.1%	$42.6M -0.8%	$42.9M +12.2%	$38.3M +6.0%	$36.1M
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
Free Cash Flow	$10.5M +76.1%	$6.0M -24.7%	$7.9M -2.5%	$8.1M -39.6%	$13.4M +289.8%	$3.4M

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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
$8.6M334,491 sh
PETTYJOHN, WOOD & WHITE, INC
$5.6M218,859 sh
VANGUARD CAPITAL MANAGEMENT LLC
$4.1M159,256 sh
CAPTRUST FINANCIAL ADVISORS
$3.7M143,977 sh
Daytona Street Capital LLC
$2.0M79,078 sh
North Reef Capital Management LP
$1.3M50,132 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.1M42,202 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$961.6K37,682 sh
DIMENSIONAL FUND ADVISORS LP
$948.4K37,178 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$894.7K35,058 sh

Fund	Value	Shares
Fourthstone LLC	$8.6M	334,491
PETTYJOHN, WOOD & WHITE, INC	$5.6M	218,859
VANGUARD CAPITAL MANAGEMENT LLC	$4.1M	159,256
CAPTRUST FINANCIAL ADVISORS	$3.7M	143,977
Daytona Street Capital LLC	$2.0M	79,078
North Reef Capital Management LP	$1.3M	50,132
GEODE CAPITAL MANAGEMENT, LLC	$1.1M	42,202
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$961.6K	37,682
DIMENSIONAL FUND ADVISORS LP	$948.4K	37,178
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$894.7K	35,058

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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. BOTJ is classified as a small company.

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.