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BRBS vs MA

BRBS
Blue Ridge Bankshares, Inc.
BEARISH
Price
$3.58
Market Cap
$321.5M
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BRBS
32.55
MA
30.28
Forward P/E
BRBS
--
MA
22.05
P/B Ratio
BRBS
0.97
MA
57.74
P/S Ratio
BRBS
3.36
MA
13.6
EV/EBITDA
BRBS
--
MA
22.13

Profitability

Gross Margin
BRBS
0.0%
MA
100.0%
Operating Margin
BRBS
26.98%
MA
57.73%
Profit Margin
BRBS
11.19%
MA
45.65%
ROE
BRBS
3.29%
MA
209.91%
ROA
BRBS
0.41%
MA
23.72%

Growth

Revenue Growth
BRBS
-2.8%
MA
17.6%
Earnings Growth
BRBS
--
MA
24.2%

Financial Health

Debt/Equity
BRBS
--
MA
2.56
Current Ratio
BRBS
--
MA
1.03
Quick Ratio
BRBS
--
MA
0.68

Dividends

Dividend Yield
BRBS
68.18%
MA
0.7%
Payout Ratio
BRBS
0.0%
MA
18.4%

AI Verdict

BRBS BEARISH

BRBS exhibits significant financial fragility, evidenced by a mediocre Piotroski F-Score of 4/9 and a current price ($3.58) that significantly exceeds both its Graham Number ($3.02) and its Intrinsic Value ($0.77). The company is struggling with negative revenue growth (-2.80% YoY) and an alarmingly low ROE of 3.29%, indicating poor capital efficiency. Most critically, the reported dividend yield of 68.18% is mathematically unsustainable and represents a classic 'dividend trap' given the company's profitability profile. Technical trends are entirely bearish (0/100), and long-term price performance is dismal with a 5-year decline of nearly 70%.

Strengths
Trading slightly below book value (P/B 0.97)
Maintains a positive profit margin of 11.19%
Recent 1-year price recovery of 28.8%
Risks
Unsustainable dividend yield (68.18%) likely to be cut
Negative revenue growth both YoY (-2.80%) and Q/Q (-4.56%)
Very low ROE (3.29%) and ROA (0.41%) compared to banking benchmarks
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

BRBS vs MA: Head-to-Head Comparison

This page compares Blue Ridge Bankshares, Inc. (BRBS) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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