Blue Ridge Bankshares, Inc. (BRBS) vs Fvcbankcorp, Inc. (FVCB)

Blue Ridge Bankshares, Inc. and Fvcbankcorp, Inc. are both Banks Regional companies. Blue Ridge Bankshares, Inc. and Fvcbankcorp, Inc. are of similar size ($342.9M and $320.8M). Fvcbankcorp, Inc. trades at the lower P/E: 12.5× against 36.5×. Fvcbankcorp, Inc. grew revenue faster over the last twelve months: 5.74% against −14.2%. Fvcbankcorp, Inc. has the higher net margin (20.5% vs 6.87%) and the higher return on invested capital (52.0% vs 2.06%). Across the 19 metrics below, Fvcbankcorp, Inc. leads on 16 and Blue Ridge Bankshares, Inc. on 3.

Valuation

Metric BRBS FVCB Banks Regional median
P/E 36.53 12.49 12.15
P/S 2.49 2.56 2.37
P/B 1.24 1.22 1.21
Price to free cash flow 15.21 10.23 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.24 0.77 2.27
Earnings yield 2.74% 8.01% 8.11%
Free cash flow yield 6.57% 9.78% 8.98%

Profitability

Metric BRBS FVCB Banks Regional median
Gross margin 61.60% 58.99% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.87% 20.45% 18.66%
Free cash flow margin 16.40% 25.07% 21.18%
Return on equity 3.03% 10.14% 10.64%
Return on assets 0.38% 1.12% 1.13%
Return on invested capital 2.06% 52.00% 8.33%

Growth

Metric BRBS FVCB Banks Regional median
Revenue growth (TTM) (14.15%) 5.74% 6.61%
EPS growth (last fiscal year) 135.48% 47.56% —
Revenue growth, 5-year CAGR 6.43% 11.76% 12.30%
Net income growth, 5-year CAGR (9.56%) 7.31% 9.71%

Health

Metric BRBS FVCB Banks Regional median
Debt to equity 0.60 0.09 0.22
Current ratio 1.02 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BRBS FVCB Banks Regional median
Dividend yield 4.90% — 3.75%
Payout ratio 0.27 0.00 0.27

Size

Metric BRBS FVCB Banks Regional median
Market cap 342.89m 320.83m 921.07m

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