[Form 4] Bank of the James Financial Group, Inc Insider Trading Activity

Rhea-AI Filing Summary

Bank of the James Financial Group executive Harry P. Umberger reported a purchase of 138 shares of common stock at $13.88 per share on 08/12/2025, bringing his reported beneficial ownership to 2,025 shares. The Form 4 lists his role as EVP - Chief Credit Officer, shows the transaction code P (purchase), and includes a power-of-attorney signature for reporting.

Insights

Financial Analyst

TL;DR: Insider purchase of 138 shares is documented; transaction size is small relative to typical institutional holdings.

The filing shows a direct acquisition of 138 common shares at $13.88, increasing reported holdings to 2,025 shares. The transaction is coded P (purchase) and no derivative activity is reported. Based solely on the numbers disclosed, the trade is factual and routine; the report does not provide broader context about company valuation or materiality relative to outstanding shares.

Corporate Governance Expert

TL;DR: Form 4 filed by one reporting person, signed via power of attorney; disclosure covers direct common-stock purchase.

The document identifies the reporting person as EVP - Chief Credit Officer and indicates a single reporting filer. The Form 4 records a direct purchase, an updated beneficial ownership total of 2,025 shares, and contains no derivative transactions. The presence of a power-of-attorney signature is noted; the form follows the standard Section 16 reporting format.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

UMBERGER HARRY P JR

(Last) (First) (Middle)

828 MAIN ST

(Street)

LYNCHBURG VA 24504

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
BANK OF THE JAMES FINANCIAL GROUP INC [ BOTJ ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP - Chief Credit Officer

3. Date of Earliest Transaction (Month/Day/Year)
08/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock, Par Value 2.14	08/12/2025		P	V	138	A	$13.88	2,025	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Eric J. Sorenson, Jr., POA for Harry P. Umberger	08/12/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did BOTJ report?

The Form 4 reports a purchase of 138 common shares at $13.88 per share on 08/12/2025.

Who filed the Form 4 for BOTJ?

The reporting person is Harry P. Umberger, listed as EVP - Chief Credit Officer, and the form was signed by a power of attorney.

How many BOTJ shares does the insider own after the transaction?

The Form 4 shows beneficial ownership of 2,025 shares following the reported purchase.

Was any derivative activity reported on this BOTJ Form 4?

No. Table II for derivative securities contains no entries; only a direct common-stock purchase is recorded in Table I.

What transaction code is listed on the BOTJ Form 4?

The transaction is coded P, which indicates a purchase.