COMP <GO>
BRBS vs USCB // EV/EBITDA & P/E VALUATION
Blue Ridge Bankshares Inc. (NYSE) VS. USCB Financial Holdings Inc. (Class A) (NASDAQ) • 15-METRIC TALLY: BRBS 2
— USCB 4
■ METRIC PARITY
LAST: $4.03 (+1.77%) • MKT CAP: $361.4M
valuation
—
LAST: $19.85 (-0.35%) • MKT CAP: $366.7M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BRBS VS. USCB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BRBS | USCB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.30% | 12.00% | -8.70 | USCB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 3.31% | 11.59% | -8.28 | USCB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 6.25% | 2.13% | +4.12 | 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 | 30.6 | +17.67 | BRBS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 31.4x | 13.1x | +18.30 | USCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $361.4M | $366.7M | -$5.3M | USCB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BRBS REV | USCB REV | BRBS GROSS % | USCB GROSS % | BRBS FCF | USCB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $11.9M | $42.5M |
| FY 2024 | $0 | $0 | — | — | -$6.9M | $34.5M |
| FY 2023 | $0 | $0 | — | — | $44.1M | $22.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BRBS // BETA —
USCB // BETA —