COMP <GO>
BOTJ vs UNB // 10Y YIELD & FRED MACRO BETA
Bank of the James Financial Group Inc. (NASDAQ) VS. Union Bankshares Inc. (NASDAQ) • 15-METRIC TALLY: BOTJ 0
— UNB 6
■ METRIC PARITY
LAST: $23.76 (+0.38%) • MKT CAP: $107.5M
macro-sensitivity
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LAST: $22.83 (-1.89%) • MKT CAP: $116.9M
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BOTJ VS. UNB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BOTJ | UNB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.30% | 13.70% | -2.40 | UNB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.76% | 13.67% | -3.91 | UNB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.69% | 5.61% | -3.92 | UNB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 29.1 | 42.8 | -13.67 | UNB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.1x | 9.8x | +1.30 | UNB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $107.5M | $116.9M | -$9.3M | UNB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BOTJ REV | UNB REV | BOTJ GROSS % | UNB GROSS % | BOTJ FCF | UNB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $10.5M | $16.0M |
| FY 2024 | $0 | $0 | — | — | $6.0M | $11.1M |
| FY 2023 | $0 | $0 | — | — | $9.5M | $9.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BOTJ // BETA —
UNB // BETA —