Blue Ridge Bankshares, Inc. (BRBS) vs Timberland Bancorp, Inc. (TSBK)

Blue Ridge Bankshares, Inc. and Timberland Bancorp, Inc. are both Banks Regional companies. Blue Ridge Bankshares, Inc. and Timberland Bancorp, Inc. are of similar size ($352.9M and $349.1M). Timberland Bancorp, Inc. trades at the lower P/E: 11.4× against 37.9×. Timberland Bancorp, Inc. grew revenue faster over the last twelve months: 6.43% against −14.2%. Timberland Bancorp, Inc. has the higher net margin (26.5% vs 6.87%) and the higher return on invested capital (83.9% vs 2.06%). Only Timberland Bancorp, Inc. pays a dividend (2.55%). Across the 19 metrics below, Timberland Bancorp, Inc. leads on 15 and Blue Ridge Bankshares, Inc. on 4.

Valuation

Metric BRBS TSBK Banks Regional median
P/E 37.86 11.36 11.98
P/S 2.59 2.98 2.34
P/B 1.28 1.30 1.19
Price to free cash flow 15.76 12.22 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.64% 8.81% 8.23%
Free cash flow yield 6.34% 8.18% 9.08%

Profitability

Metric BRBS TSBK Banks Regional median
Gross margin 61.60% 73.10% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.87% 26.46% 18.66%
Free cash flow margin 16.40% 24.42% 21.11%
Return on equity 3.03% 11.89% 10.65%
Return on assets 0.38% 1.57% 1.13%
Return on invested capital 2.06% 83.89% 8.35%

Growth

Metric BRBS TSBK Banks Regional median
Revenue growth (TTM) (14.15%) 6.43% 6.98%
EPS growth (last fiscal year) 135.48% 21.93% 18.88%
Revenue growth, 5-year CAGR 6.43% 9.51% 12.38%
Net income growth, 5-year CAGR (9.56%) 3.74% 9.71%

Health

Metric BRBS TSBK Banks Regional median
Debt to equity 0.60 0.04 0.22
Current ratio 1.02 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BRBS TSBK Banks Regional median
Dividend yield 0.00% 2.55% 2.57%
Payout ratio 0.00 0.29 0.30

Size

Metric BRBS TSBK Banks Regional median
Market cap 349.07m 352.86m 913.33m

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