Fourthstone group discloses 7.36% BOTJ stake for Bank of the James Financial Group (BOTJ)

Rhea-AI Filing Summary

Bank of the James Financial Group Inc. has a significant shareholder group led by Fourthstone LLC, a Delaware-registered investment adviser. Fourthstone directly holds 334,491 shares of common stock, representing 7.36% of the company’s 4,543,338 shares outstanding as of May 12, 2026.

These shares are held on behalf of advisory clients through several affiliated funds and entities, all of which report shared voting and dispositive power over their positions. The reporting persons state that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of the company.

Key Figures

Shares beneficially owned by Fourthstone LLC: 334,491 shares Fourthstone LLC ownership percentage: 7.36% Shares outstanding: 4,543,338 shares +3 more

6 metrics

Shares beneficially owned by Fourthstone LLC 334,491 shares Common stock held on behalf of advisory clients

Fourthstone LLC ownership percentage 7.36% Percent of BOTJ common stock class

Shares outstanding 4,543,338 shares BOTJ common stock outstanding as of May 12, 2026

Fourthstone Master Opportunity Fund stake 257,075 shares; 5.66% Beneficial ownership in BOTJ common stock

Fourthstone QP Opportunity Fund stake 70,572 shares; 1.55% Beneficial ownership in BOTJ common stock

Fourthstone Small-Cap Financials Fund stake 6,844 shares; 0.15% Beneficial ownership in BOTJ common stock

Key Terms

beneficially own, shared voting power, shared dispositive power, registered investment adviser, +1 more

5 terms

beneficially own financial

"may be deemed to beneficially own securities owned by Fourthstone"

Beneficially own means having the economic rights and risks of a security—such as the right to receive dividends, sell the shares, or profit from price changes—whether or not your name appears on the official share register. Think of it like renting a car: you use it and reap the benefits even if the title lists someone else. Investors care because beneficial ownership determines who truly controls value, must be disclosed under securities rules, and can signal potential influence or trading activity that affects a stock’s price.

shared voting power financial

"Shared Voting Power 334,491.00"

Shared voting power occurs when two or more parties jointly have the right to vote or decide how a block of company shares is cast, like co-owners who must agree before moving a piece of furniture. Investors care because who controls voting rights affects board elections, major corporate decisions and takeover outcomes, and shared control can alter regulatory disclosures and the practical influence any holder has over a company’s direction and value.

shared dispositive power financial

"Shared Dispositive Power 334,491.00"

registered investment adviser financial

"acquired the Issuer's shares in the ordinary course of business as a registered investment adviser"

A registered investment adviser (RIA) is a firm or individual legally registered with regulators to give personalized investment advice and manage clients' money, with a duty to put clients’ interests ahead of their own. Think of an RIA as a licensed financial guide who must disclose fees, conflicts and how they are paid; that transparency and legal duty matter to investors because it reduces the risk of hidden costs or biased recommendations.

percent of class financial

"Percent of class: 7.36 %"

Percent of class is the portion of a specific category of securities—such as a company’s common shares, preferred shares, or a bond series—that takes part in or approves a corporate action (vote, consent, tender, etc.). Investors watch this number because it reveals how much support or opposition exists within that particular shareholder group; like counting how many members of a club back a proposal, it can determine whether a plan passes or how influence is distributed.

FAQ

What stake in BOTJ does Fourthstone LLC report on this Schedule 13G/A?

Fourthstone LLC reports 334,491 shares of Bank of the James Financial Group Inc. common stock, representing 7.36% of the outstanding shares based on 4,543,338 shares outstanding as of May 12, 2026.

Who are the reporting persons in the BOTJ (BOTJ) ownership filing?

The reporting persons are Fourthstone LLC, Fourthstone Master Opportunity Fund Ltd, Fourthstone QP Opportunity Fund LP, Fourthstone Small-Cap Financials Fund LP, Fourthstone GP LLC, and L. Phillip Stone, IV, Managing Member of Fourthstone and Fourthstone GP.

Does Fourthstone seek to influence control of Bank of the James Financial Group (BOTJ)?

The reporting group states the BOTJ securities were not acquired and are not held for the purpose or effect of changing or influencing control and are held in the ordinary course of business as an investment adviser.

What percentage of BOTJ does each Fourthstone-related fund beneficially own?

Fourthstone Master Opportunity Fund Ltd reports 5.66%, Fourthstone QP Opportunity Fund LP 1.55%, Fourthstone Small-Cap Financials Fund LP 0.15%, and Fourthstone GP LLC 1.70%, all based on 4,543,338 BOTJ shares outstanding.

What voting and dispositive powers do the Fourthstone entities have over BOTJ stock?

The reporting persons indicate 0 shares with sole voting or dispositive power and 334,491 shares with shared voting and shared dispositive power held on behalf of advisory clients in the various Fourthstone-related funds.

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Available on EDGAR 08/14/2026 - 04:30 PM Accepted by SEC EDGAR 08/14/2026 - 04:24 PM Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 2)

BANK OF THE JAMES FINANCIAL GROUP INC

(Name of Issuer)

Common Stock, $2.14 per share par value

(Title of Class of Securities)

470299108

(CUSIP Number)

06/30/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 470299108

1

Names of Reporting Persons

Fourthstone LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 334,491.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 334,491.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

334,491.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

7.36 %

12

Type of Reporting Person (See Instructions)

IA

Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).

SCHEDULE 13G

CUSIP Number(s): 470299108

1

Names of Reporting Persons

Fourthstone Master Opportunity Fund Ltd

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

CAYMAN ISLANDS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 257,075.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 257,075.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

257,075.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

5.66 %

12

Type of Reporting Person (See Instructions)

OO

Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).

SCHEDULE 13G

CUSIP Number(s): 470299108

1

Names of Reporting Persons

Fourthstone GP LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 77,416.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 77,416.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

77,416.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.70 %

12

Type of Reporting Person (See Instructions)

OO

Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).

SCHEDULE 13G

CUSIP Number(s): 470299108

1

Names of Reporting Persons

Fourthstone QP Opportunity Fund LP

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 70,572.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 70,572.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

70,572.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.55 %

12

Type of Reporting Person (See Instructions)

PN

Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).

SCHEDULE 13G

CUSIP Number(s): 470299108

1

Names of Reporting Persons

Fourthstone Small-Cap Financials Fund LP

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 6,844.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 6,844.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

6,844.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

0.15 %

12

Type of Reporting Person (See Instructions)

PN

Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).

SCHEDULE 13G

CUSIP Number(s): 470299108

1

Names of Reporting Persons

L. Phillip Stone, IV

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 334,491.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 334,491.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

334,491.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

7.36 %

12

Type of Reporting Person (See Instructions)

IN

Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).

SCHEDULE 13G

Item 1.
(a)	Name of issuer: BANK OF THE JAMES FINANCIAL GROUP INC
(b)	Address of issuer's principal executive offices: 828 Main Street, Lunchburg, VA 24504
Item 2.
(a)	Name of person filing: This Schedule 13G is being filed by Fourthstone LLC, a Delaware Limited Liability Company and Investment Adviser ("Fourthstone"). The persons reporting information on this Schedule 13G include, in addition to Fourthstone, a company incorporated in the Cayman Islands ("Fourthstone Master Opportunity Fund"), a Delaware Limited Partnership ("Fourthstone QP Opportunity"), a Delaware Limited Partnership ("Fourthstone Small-Cap Financials"), a Delaware Limited Liability Company ("Fourthstone GP, " General Partner of Fourthstone QP Opportunity and Fourthstone Small-Cap Financials), and L. Phillip Stone, IV, a citizen of the United States of America, who is the Managing Member of Fourthstone and Fourthstone GP (each, a "Reporting Person" and, together, the "Reporting Persons"). Fourthstone directly holds 334,491 shares of Common Stock on behalf of its advisory clients. Each of the Reporting Persons listed in this filing certify the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the Issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that effect.
(b)	Address or principal business office or, if none, residence: The principal business address of each of the Reporting Persons is as follows: The registered office of Fourthstone LLC, Fourthstone Master Opportunity Fund Ltd., Fourthstone GP LLC, Fourthstone QP Opportunity Fund LP, Fourthstone Small-Cap Financials Fund LP is 575 Maryville Centre Drive, Suite 110, St. Louis, MO 63141.
(c)	Citizenship: See response to Item 4 of each of the cover pages.
(d)	Title of class of securities: Common Stock, $2.14 per share par value
(e)	CUSIP No.: 470299108
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: Fourthstone LLC acquired the Issuer's shares in the ordinary course of business as a registered investment adviser and not with the purpose nor with the effect of influencing the control of the Issuer. Fourthstone GP LLC is the general partner of and may be deemed to beneficially own securities owned by Fourthstone QP Opportunity Fund LP and Fourthstone Small-Cap Financials Fund LP. L. Phillip Stone, IV, is the Managing Member of Fourthstone LLC and Fourthstone GP and may be deemed to beneficially own securities owned by Fourthstone. The percentages reported in Row 11 of each cover page are based on 4,543,338 shares of Common Stock (as defined below) of the Issuer (as defined below) outstanding as of May 12, 2026, based on the Issuer's 10-Q Form filed on May 12, 2026.
(b)	Percent of class: 7.36 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: See responses to Item 5 on each cover page.
	(ii) Shared power to vote or to direct the vote: See responses to Item 6 on each cover page.
	(iii) Sole power to dispose or to direct the disposition of: See responses to Item 7 on each cover page.
	(iv) Shared power to dispose or to direct the disposition of: See responses to Item 8 on each cover page.
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Fourthstone LLC

Signature:	Amy M. Stone
Name/Title:	Chief Executive Officer
Date:	08/14/2026

Fourthstone Master Opportunity Fund Ltd

Signature:	Amy M. Stone
Name/Title:	Chief Executive Officer
Date:	08/14/2026

Fourthstone GP LLC

Signature:	L. Phillip Stone, IV
Name/Title:	Managing Member of Fourthstone GP LLC
Date:	08/14/2026

Fourthstone QP Opportunity Fund LP

Signature:	Amy M. Stone
Name/Title:	Chief Executive Officer
Date:	08/14/2026

Fourthstone Small-Cap Financials Fund LP

Signature:	Amy M. Stone
Name/Title:	Chief Executive Officer
Date:	08/14/2026

L. Phillip Stone, IV

Signature:	L. Phillip Stone, IV
Name/Title:	Self, Principal owner of Fourthstone LLC
Date:	08/14/2026