Blue Ridge Bankshares, Inc. (BRBS) vs USCB Financial Holdings, Inc. (USCB)

Blue Ridge Bankshares, Inc. and USCB Financial Holdings, Inc. are both Banks Regional companies. Blue Ridge Bankshares, Inc. and USCB Financial Holdings, Inc. are of similar size ($366.3M and $357.9M). Blue Ridge Bankshares, Inc. has negative trailing earnings, so its P/E is not meaningful; USCB Financial Holdings, Inc. trades at 12.9×. USCB Financial Holdings, Inc. grew revenue faster over the last twelve months: 4.72% against −14.2%. USCB Financial Holdings, Inc. has the higher net margin (18.1% vs 0.00%) and the higher return on invested capital (6.24% vs 0.16%). Only USCB Financial Holdings, Inc. pays a dividend (2.39%). Across the 18 metrics below, USCB Financial Holdings, Inc. leads on 14 and Blue Ridge Bankshares, Inc. on 4.

Valuation

Metric BRBS USCB Banks Regional median
P/E n/m 12.92 12.02
P/S 2.59 2.29 2.36
P/B 1.32 1.56 1.23
Price to free cash flow 17.20 7.43 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.12%) 7.74% 8.21%
Free cash flow yield 5.81% 13.45% 9.23%

Profitability

Metric BRBS USCB Banks Regional median
Gross margin 61.60% 61.02% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 18.05% 18.82%
Free cash flow margin 0.00% 30.84% 17.97%
Return on equity (0.12%) 12.36% 10.28%
Return on assets (0.02%) 1.00% 1.13%
Return on invested capital 0.16% 6.24% 8.45%

Growth

Metric BRBS USCB Banks Regional median
Revenue growth (TTM) (14.15%) 4.72% 6.37%
EPS growth (last fiscal year) 135.48% 7.26% 18.85%
Revenue growth, 5-year CAGR 6.43% 20.96% 12.65%
Net income growth, 5-year CAGR (9.56%) 27.68% 9.81%

Health

Metric BRBS USCB Banks Regional median
Debt to equity 0.00 1.20 0.17
Current ratio 0.00 0.97 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BRBS USCB Banks Regional median
Dividend yield 0.00% 2.39% 2.49%
Payout ratio 0.00 0.31 0.29

Size

Metric BRBS USCB Banks Regional median
Market cap 357.85m 366.34m 934.85m

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