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Blue Ridge Bankshares, Inc. (BRBS) vs Norwood Financial Corp. (NWFL)

Blue Ridge Bankshares, Inc. and Norwood Financial Corp. are both Banks Regional companies. Blue Ridge Bankshares, Inc. and Norwood Financial Corp. are of similar size ($364.8M and $349.1M). Norwood Financial Corp. trades at the lower P/E: 11.7× against 37.9×. Norwood Financial Corp. grew revenue faster over the last twelve months: 42.3% against −14.2%. Norwood Financial Corp. has the higher net margin (18.7% vs 6.87%) and the higher return on invested capital (9.03% vs 2.06%). Only Norwood Financial Corp. pays a dividend (3.78%). Across the 19 metrics below, Norwood Financial Corp. leads on 18 and Blue Ridge Bankshares, Inc. on 1.

Valuation

Metric BRBS NWFL Banks Regional median
P/E 37.86 11.67 11.98
P/S 2.59 2.38 2.34
P/B 1.28 1.27 1.19
Price to free cash flow 15.76 12.24 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.64% 8.57% 8.23%
Free cash flow yield 6.34% 8.17% 9.08%

Profitability

Metric BRBS NWFL Banks Regional median
Gross margin 61.60% 66.77% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.87% 18.68% 18.66%
Free cash flow margin 16.40% 19.41% 21.11%
Return on equity 3.03% 11.20% 10.65%
Return on assets 0.38% 1.09% 1.13%
Return on invested capital 2.06% 9.03% 8.35%

Growth

Metric BRBS NWFL Banks Regional median
Revenue growth (TTM) (14.15%) 42.25% 6.98%
EPS growth (last fiscal year) 135.48% 15,150.00% 18.88%
Revenue growth, 5-year CAGR 6.43% 15.50% 12.38%
Net income growth, 5-year CAGR (9.56%) 12.98% 9.71%

Health

Metric BRBS NWFL Banks Regional median
Debt to equity 0.60 0.23 0.22
Current ratio 1.02 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BRBS NWFL Banks Regional median
Dividend yield 0.00% 3.78% 2.57%
Payout ratio 0.00 0.44 0.30

Size

Metric BRBS NWFL Banks Regional median
Market cap 349.07m 364.78m 913.33m

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