Bay Commercial Bank (BCML) vs Blue Ridge Bankshares, Inc. (BRBS)

Bay Commercial Bank and Blue Ridge Bankshares, Inc. are both Banks Regional companies. Bay Commercial Bank and Blue Ridge Bankshares, Inc. are of similar size ($357.9M and $336.8M). Blue Ridge Bankshares, Inc. has negative trailing earnings, so its P/E is not meaningful; Bay Commercial Bank trades at 25.7×. Bay Commercial Bank grew revenue faster over the last twelve months: 2.01% against −14.2%. Bay Commercial Bank has the higher net margin (9.20% vs 0.00%) and the higher return on invested capital (6.59% vs 0.16%). Only Bay Commercial Bank pays a dividend (3.89%). Across the 18 metrics below, Bay Commercial Bank leads on 16 and Blue Ridge Bankshares, Inc. on 2.

Valuation

Metric BCML BRBS Banks Regional median
P/E 25.69 n/m 12.02
P/S 2.36 2.59 2.36
P/B 1.00 1.32 1.23
Price to free cash flow 12.67 17.20 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.89% (0.12%) 8.21%
Free cash flow yield 7.89% 5.81% 9.23%

Profitability

Metric BCML BRBS Banks Regional median
Gross margin 72.76% 61.60% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.20% 0.00% 18.82%
Free cash flow margin 18.66% 0.00% 17.97%
Return on equity 3.93% (0.12%) 10.28%
Return on assets 0.50% (0.02%) 1.13%
Return on invested capital 6.59% 0.16% 8.45%

Growth

Metric BCML BRBS Banks Regional median
Revenue growth (TTM) 2.01% (14.15%) 6.37%
EPS growth (last fiscal year) 3.81% 135.48% 18.85%
Revenue growth, 5-year CAGR 8.07% 6.43% 12.65%
Net income growth, 5-year CAGR 11.76% (9.56%) 9.81%

Health

Metric BCML BRBS Banks Regional median
Debt to equity 0.09 0.00 0.17
Current ratio 1.04 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCML BRBS Banks Regional median
Dividend yield 3.89% 0.00% 2.49%
Payout ratio 1.00 0.00 0.29

Size

Metric BCML BRBS Banks Regional median
Market cap 336.78m 357.85m 934.85m

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