COMP <GO>
USCB vs BRBS // EV/EBITDA & P/E VALUATION
USCB Financial Holdings Inc. (Class A) (NASDAQ) VS. Blue Ridge Bankshares Inc. (NYSE) • 15-METRIC TALLY: USCB 4
— BRBS 2
■ METRIC PARITY
LAST: $19.85 (-0.35%) • MKT CAP: $366.7M
valuation
—
LAST: $4.03 (+1.77%) • MKT CAP: $361.4M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (USCB VS. BRBS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | USCB | BRBS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.00% | 3.30% | +8.70 | USCB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 11.59% | 3.31% | +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 | 2.13% | 6.25% | -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 | 30.6 | 48.3 | -17.67 | BRBS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.1x | 31.4x | -18.30 | USCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $366.7M | $361.4M | $5.3M | USCB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | USCB REV | BRBS REV | USCB GROSS % | BRBS GROSS % | USCB FCF | BRBS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $42.5M | $11.9M |
| FY 2024 | $0 | $0 | — | — | $34.5M | -$6.9M |
| FY 2023 | $0 | $0 | — | — | $22.5M | $44.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
USCB // BETA —
BRBS // BETA —