Blue Ridge Bankshares, Inc. (BRBS) vs Isabella Bank Corporation (ISBA)

Blue Ridge Bankshares, Inc. and Isabella Bank Corporation are both Banks Regional companies. Blue Ridge Bankshares, Inc. and Isabella Bank Corporation are of similar size ($357.9M and $345.0M). Blue Ridge Bankshares, Inc. has negative trailing earnings, so its P/E is not meaningful; Isabella Bank Corporation trades at 13.9×. Isabella Bank Corporation grew revenue faster over the last twelve months: 11.4% against −14.2%. Isabella Bank Corporation has the higher net margin (17.5% vs 0.00%) and the higher return on invested capital (12.5% vs 0.16%). Only Isabella Bank Corporation pays a dividend (2.80%). Across the 18 metrics below, Isabella Bank Corporation leads on 16 and Blue Ridge Bankshares, Inc. on 2.

Valuation

Metric BRBS ISBA Banks Regional median
P/E n/m 13.92 12.02
P/S 2.59 2.51 2.36
P/B 1.32 1.24 1.23
Price to free cash flow 17.20 11.21 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.12%) 7.19% 8.21%
Free cash flow yield 5.81% 8.92% 9.23%

Profitability

Metric BRBS ISBA Banks Regional median
Gross margin 61.60% 72.87% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 17.50% 18.82%
Free cash flow margin 0.00% 22.35% 17.97%
Return on equity (0.12%) 9.02% 10.28%
Return on assets (0.02%) 0.95% 1.13%
Return on invested capital 0.16% 12.45% 8.45%

Growth

Metric BRBS ISBA Banks Regional median
Revenue growth (TTM) (14.15%) 11.39% 6.37%
EPS growth (last fiscal year) 135.48% 37.63% 18.85%
Revenue growth, 5-year CAGR 6.43% 7.34% 12.65%
Net income growth, 5-year CAGR (9.56%) 11.68% 9.81%

Health

Metric BRBS ISBA Banks Regional median
Debt to equity 0.00 0.12 0.17
Current ratio 0.00 0.85 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BRBS ISBA Banks Regional median
Dividend yield 0.00% 2.80% 2.49%
Payout ratio 0.00 0.39 0.29

Size

Metric BRBS ISBA Banks Regional median
Market cap 357.85m 344.95m 934.85m

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