Is BOTJ stock a buy right now?

Yes — our current verdict on BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is BUY (conviction 3 of 5): the SEC filings support owning it. The verdict was last set on June 30, 2026 and is re-evaluated nightly against BANK OF THE JAMES FINANCIAL GROUP INC's SEC filings.

What is the TENK/calls verdict on BOTJ based on?

Every verdict is reasoned over BANK OF THE JAMES FINANCIAL GROUP INC's SEC XBRL fundamentals and filing history — revenue, margins, balance-sheet health and material 8-K events — plus the TENK Score quality composite. The cited figure behind the current call: Diluted EPS $1.99 (FY2025). Ratings change only when the company's filings change, never on price action.

How often does the BOTJ verdict update?

Calls are re-evaluated on a nightly cycle (Mon–Fri). A rating flips only when a filing fact changes the thesis — flips are tracked publicly on our rating-changes page and in the live track record.

Where can I see the full BOTJ analysis?

The full BANK OF THE JAMES FINANCIAL GROUP INC page has the fundamentals, TENK Score, filings, events and peer comparison; the complete thesis with risks, catalysts and the price target is part of Pro.

TTENK/calls

Pulling SEC filings + quote and writing the call…

TTENK/calls

The verdict · as of June 30, 2026

Is BOTJ stock a buy?

Buyconviction 3/5 · horizon: the long term (2+ years)

Yes — our current verdict on BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is BUY (conviction 3 of 5): the SEC filings support owning it.

Cheap, steadily profitable central-Virginia community bank: its multiple, growing book value, room to re-rate.

The figure behind the call

Diluted EPS $1.99 · FY2025

Full BOTJ analysis — fundamentals, TENK Score, filings & peers →

How to read the verdict

BUY — the filings support owning it.
HOLD — fairly priced on the fundamentals; own it, don’t chase it.
SELL — the filings argue for trimming or exiting.
AVOID — we wouldn’t start a position here.

We re-rate when the company’s filings change, never the chart. Every change lands on the Flip Side and is scored on the live track record.

Behind this call

Common questions

Is BOTJ stock a buy right now?: Yes — our current verdict on BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is BUY (conviction 3 of 5): the SEC filings support owning it. The verdict was last set on June 30, 2026 and is re-evaluated nightly against BANK OF THE JAMES FINANCIAL GROUP INC's SEC filings.
What is the TENK/calls verdict on BOTJ based on?: Every verdict is reasoned over BANK OF THE JAMES FINANCIAL GROUP INC's SEC XBRL fundamentals and filing history — revenue, margins, balance-sheet health and material 8-K events — plus the TENK Score quality composite. The cited figure behind the current call: Diluted EPS $1.99 (FY2025). Ratings change only when the company's filings change, never on price action.
How often does the BOTJ verdict update?: Calls are re-evaluated on a nightly cycle (Mon–Fri). A rating flips only when a filing fact changes the thesis — flips are tracked publicly on our rating-changes page and in the live track record.
Where can I see the full BOTJ analysis?: The full BANK OF THE JAMES FINANCIAL GROUP INC page has the fundamentals, TENK Score, filings, events and peer comparison; the complete thesis with risks, catalysts and the price target is part of Pro.

AI-generated analysis, produced by our proprietary engine from SEC filing data.

Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 30, 2026, 7:45 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.

Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

TTENK/calls

Pulling SEC filings + quote and writing the call…

TTENK/calls

The verdict · as of June 30, 2026

Is BOTJ stock a buy?

Buyconviction 3/5 · horizon: the long term (2+ years)

Yes — our current verdict on BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is BUY (conviction 3 of 5): the SEC filings support owning it.

Cheap, steadily profitable central-Virginia community bank: its multiple, growing book value, room to re-rate.

The figure behind the call

Diluted EPS $1.99 · FY2025

Full BOTJ analysis — fundamentals, TENK Score, filings & peers →

How to read the verdict

BUY — the filings support owning it.
HOLD — fairly priced on the fundamentals; own it, don’t chase it.
SELL — the filings argue for trimming or exiting.
AVOID — we wouldn’t start a position here.

We re-rate when the company’s filings change, never the chart. Every change lands on the Flip Side and is scored on the live track record.

Behind this call

Common questions

Is BOTJ stock a buy right now?: Yes — our current verdict on BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) is BUY (conviction 3 of 5): the SEC filings support owning it. The verdict was last set on June 30, 2026 and is re-evaluated nightly against BANK OF THE JAMES FINANCIAL GROUP INC's SEC filings.
What is the TENK/calls verdict on BOTJ based on?: Every verdict is reasoned over BANK OF THE JAMES FINANCIAL GROUP INC's SEC XBRL fundamentals and filing history — revenue, margins, balance-sheet health and material 8-K events — plus the TENK Score quality composite. The cited figure behind the current call: Diluted EPS $1.99 (FY2025). Ratings change only when the company's filings change, never on price action.
How often does the BOTJ verdict update?: Calls are re-evaluated on a nightly cycle (Mon–Fri). A rating flips only when a filing fact changes the thesis — flips are tracked publicly on our rating-changes page and in the live track record.
Where can I see the full BOTJ analysis?: The full BANK OF THE JAMES FINANCIAL GROUP INC page has the fundamentals, TENK Score, filings, events and peer comparison; the complete thesis with risks, catalysts and the price target is part of Pro.

AI-generated analysis, produced by our proprietary engine from SEC filing data.