COMP <GO>
UNB vs BOTJ // RETURN ON INVESTED CAPITAL (ROIC)
Union Bankshares Inc. (NASDAQ) VS. Bank of the James Financial Group Inc. (NASDAQ) • 15-METRIC TALLY: UNB 6
— BOTJ 0
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: UNB
LAST: $22.83 (-1.89%) • MKT CAP: $116.9M
roic
13.70%
LAST: $23.76 (+0.38%) • MKT CAP: $107.5M
roic
11.30%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UNB VS. BOTJ)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UNB | BOTJ | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 13.70% | 11.30% | +2.40 | UNB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 13.67% | 9.76% | +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 | 5.61% | 1.69% | +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 | 42.8 | 29.1 | +13.67 | UNB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.8x | 11.1x | -1.30 | UNB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $116.9M | $107.5M | $9.3M | UNB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UNB REV | BOTJ REV | UNB GROSS % | BOTJ GROSS % | UNB FCF | BOTJ FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $16.0M | $10.5M |
| FY 2024 | $0 | $0 | — | — | $11.1M | $6.0M |
| FY 2023 | $0 | $0 | — | — | $9.2M | $9.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UNB // BETA —
BOTJ // BETA —