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Union Bankshares vs Bank of the James Financial Group: UNB and BOTJ compared
Union Bankshares is the larger company: $15.0M of revenue in its latest quarter (Q3 2026) against $13.7M for Bank of the James Financial Group (Q2 2026). Bank of the James Financial Group is growing faster (+11% against +3% a year earlier). Bank of the James Financial Group is more profitable, with an operating margin of 29.6% against 29.0%.
Where the money goes: UNB and BOTJ
Union Bankshares (UNB) · Q3 2026
Union Bankshares, Q3 2026: revenue $15.0M (+3% year over year), operating margin 29.0%, net earnings $3.8M, operating cash flow $2.3M. The chart follows the revenue to costs, profit and cash.
Bank of the James Financial Group (BOTJ) · Q2 2026
Bank of the James Financial Group, Q2 2026: revenue $13.7M (+11% year over year), operating margin 29.6%, net earnings $3.2M, operating cash flow $632K. The chart follows the revenue to costs, profit and cash.
| Union Bankshares (UNB) | Bank of the James Financial Group (BOTJ) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $15.0M | $13.7M |
| Revenue growth, Y/Y | +3% | +11% |
| Operating margin | 29.0% | 29.6% |
| Net earnings | $3.8M | $3.2M |
| Net margin | 25.1% | 23.6% |
| Operating cash flow | $2.3M | $632K |
| Free cash flow | $849K | $332K |
Where the revenue comes from
Union Bankshares
- Net interest income: $12.1M (81%)
- Noninterest income: $2.8M (19%)
Questions
Which is bigger, Union Bankshares or Bank of the James Financial Group?
Union Bankshares is the larger company: $15.0M of revenue in its latest quarter (Q3 2026) against $13.7M for Bank of the James Financial Group (Q2 2026).
Is Union Bankshares or Bank of the James Financial Group growing faster?
Bank of the James Financial Group is growing faster (+11% against +3% a year earlier).
Which is more profitable, Union Bankshares or Bank of the James Financial Group?
Bank of the James Financial Group is more profitable, with an operating margin of 29.6% against 29.0%.
More: Union Bankshares earnings · how Union Bankshares makes money · Bank of the James Financial Group earnings · how Bank of the James Financial Group makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 9, 2026; 10-Q filed Aug 12, 2026). Fiscal quarters can end on different dates. Not investment advice.