Avidbank Holdings Inc. (AVBH) vs Blue Ridge Bankshares, Inc. (BRBS)

Avidbank Holdings Inc. and Blue Ridge Bankshares, Inc. are both Banks Regional companies. Avidbank Holdings Inc. and Blue Ridge Bankshares, Inc. are of similar size ($342.9M and $342.4M). Avidbank Holdings Inc. has negative trailing earnings, so its P/E is not meaningful; Blue Ridge Bankshares, Inc. trades at 36.5×. Blue Ridge Bankshares, Inc. grew revenue faster over the last twelve months: −14.2% against −32.7%. Blue Ridge Bankshares, Inc. has the higher net margin (6.87% vs −14.1%) and the higher return on invested capital (2.06% vs −7.91%). Across the 18 metrics below, Avidbank Holdings Inc. leads on 9 and Blue Ridge Bankshares, Inc. on 9.

Valuation

Metric AVBH BRBS Banks Regional median
P/E n/m 36.53 12.15
P/S 3.33 2.49 2.37
P/B 1.13 1.24 1.21
Price to free cash flow 6.36 15.21 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.95 3.24 2.27
Earnings yield (6.02%) 2.74% 8.11%
Free cash flow yield 15.73% 6.57% 8.98%

Profitability

Metric AVBH BRBS Banks Regional median
Gross margin 46.29% 61.60% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (14.12%) 6.87% 18.66%
Free cash flow margin 52.44% 16.40% 21.18%
Return on equity (5.64%) 3.03% 10.64%
Return on assets (0.56%) 0.38% 1.13%
Return on invested capital (7.91%) 2.06% 8.33%

Growth

Metric AVBH BRBS Banks Regional median
Revenue growth (TTM) (32.72%) (14.15%) 6.61%
EPS growth (last fiscal year) (181.52%) 135.48% —
Revenue growth, 5-year CAGR 36.67% 6.43% 12.30%
Net income growth, 5-year CAGR 0.00% (9.56%) 9.71%

Health

Metric AVBH BRBS Banks Regional median
Debt to equity 0.07 0.60 0.22
Current ratio 1.03 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVBH BRBS Banks Regional median
Dividend yield — 4.90% 3.75%
Payout ratio — 0.27 0.27

Size

Metric AVBH BRBS Banks Regional median
Market cap 342.43m 342.89m 921.07m

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