COMP <GO>

BRBS vs CFFI // EV/EBITDA & P/E VALUATION

Blue Ridge Bankshares Inc. (NYSE) VS. C&F Financial Corporation (NASDAQ) • 15-METRIC TALLY: BRBS 1 — CFFI 5

■ METRIC PARITY

LAST: $4.03 (+1.77%) • MKT CAP: $361.4M

valuation

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LAST: $111.25 (+1.39%) • MKT CAP: $361.8M

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BRBS VS. CFFI) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	BRBS	CFFI	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	3.30%	10.30%	-7.00	CFFI	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	3.31%	6.13%	-2.82	CFFI	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	19.10%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	10.60%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	6.25%	1.65%	+4.60	BRBS	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	5/9	0.00	TIE	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	48.3	68.5	-20.22	CFFI	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	31.4x	12.6x	+18.80	CFFI	/forward-pe <GO>
Enterprise Scale & Market Cap	$361.4M	$361.8M	-$304.5K	CFFI	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	BRBS REV	CFFI REV	BRBS GROSS %	CFFI GROSS %	BRBS FCF	CFFI FCF
FY 2025	$0	$140.8M	—	—	$11.9M	$22.2M
FY 2024	$0	$127.3M	—	—	-$6.9M	$33.3M
FY 2023	$0	$127.3M	—	—	$44.1M	$38.8M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

BRBS // BETA —

CFFI // BETA —