Bank of the James Financial Group, Inc. (BOTJ) vs Union Bankshares, Inc. (UNB)

Bank of the James Financial Group, Inc. and Union Bankshares, Inc. are both Banks Regional companies. Bank of the James Financial Group, Inc. and Union Bankshares, Inc. are of similar size ($121.3M and $116.2M). Union Bankshares, Inc. trades at the lower P/E: 9.0× against 10.6×. Union Bankshares, Inc. grew revenue faster over the last twelve months: 9.68% against 6.20%. Bank of the James Financial Group, Inc. has the higher net margin (17.7% vs 13.4%) and the higher return on invested capital (18.7% vs 12.4%). Both pay a dividend; Union Bankshares, Inc. yields more (4.93% vs 2.68%). Across the 20 metrics below, Union Bankshares, Inc. leads on 14 and Bank of the James Financial Group, Inc. on 6.

Valuation

Metric BOTJ UNB Banks Regional median
P/E 10.57 9.04 12.15
P/S 1.87 1.25 2.37
P/B 1.46 1.25 1.21
Price to free cash flow 10.51 5.30 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.64 1.00 2.27
Earnings yield 9.46% 11.06% 8.11%
Free cash flow yield 9.51% 18.85% 8.98%

Profitability

Metric BOTJ UNB Banks Regional median
Gross margin 79.81% 63.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.72% 13.40% 18.66%
Free cash flow margin 17.83% 23.57% 21.18%
Return on equity 14.84% 14.98% 10.64%
Return on assets 1.12% 0.80% 1.13%
Return on invested capital 18.72% 12.37% 8.33%

Growth

Metric BOTJ UNB Banks Regional median
Revenue growth (TTM) 6.20% 9.68% 6.61%
EPS growth (last fiscal year) 13.71% 25.26% —
Revenue growth, 5-year CAGR 8.98% 10.59% 12.30%
Net income growth, 5-year CAGR 12.62% (2.85%) 9.71%

Health

Metric BOTJ UNB Banks Regional median
Debt to equity 0.00 0.18 0.22
Current ratio 0.78 0.80 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOTJ UNB Banks Regional median
Dividend yield 2.68% 4.93% 3.75%
Payout ratio 0.16 0.50 0.27

Size

Metric BOTJ UNB Banks Regional median
Market cap 121.26m 116.23m 921.07m

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