BRBS vs. TOWN

Last updated Apr 2, 2026

Compare and contrast key facts about Blue Ridge Bankshares, Inc. (BRBS) and TowneBank (TOWN).

Performance

BRBS vs. TOWN - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Blue Ridge Bankshares, Inc. (BRBS) and TowneBank (TOWN). The values are adjusted to include any dividend payments, if applicable.

BRBS vs. TOWN - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
BRBS Blue Ridge Bankshares, Inc.	-1.64%	40.14%	6.27%	-75.19%	-27.87%	55.01%	-12.56%	24.18%	4.45%	14.52%
TOWN TowneBank	2.57%	1.03%	18.35%	0.26%	0.67%	37.97%	-12.27%	19.23%	-20.40%	-5.88%

Fundamentals

Market Cap BRBS : $416.67M TOWN : $2.69B
EPS BRBS : $0.11 TOWN : $2.19
PE Ratio BRBS : 37.21 TOWN : 15.49
PS Ratio BRBS : 2.89 TOWN : 2.50
PB Ratio BRBS : 1.29 TOWN : 1.11
Total Revenue (TTM) BRBS : $137.77M TOWN : $1.05B
Gross Profit (TTM) BRBS : $23.79M TOWN : $811.16M
EBITDA (TTM) BRBS : $10.12M TOWN : $256.50M

Returns By Period

In the year-to-date period, BRBS achieves a -1.64% return, which is significantly lower than TOWN's 2.57% return. Over the past 10 years, BRBS has underperformed TOWN with an annualized return of -3.47%, while TOWN has yielded a comparatively higher 8.90% annualized return.

BRBS

• 1D: 0.00%
• 1M: 3.70%
• YTD: -1.64%
• 6M: 3.95%
• 1Y: 38.71%
• 3Y*: -23.91%
• 5Y*: -20.15%
• 10Y*: -3.47%

TOWN

• 1D: 0.83%
• 1M: -1.02%
• YTD: 2.57%
• 6M: 0.82%
• 1Y: 3.63%
• 3Y*: 12.16%
• 5Y*: 5.36%
• 10Y*: 8.90%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

BRBS vs. TOWN — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

BRBS

BRBS Risk / Return Rank: 77
BRBS Sharpe Ratio Rank: 80
BRBS Sortino Ratio Rank: 77
BRBS Omega Ratio Rank: 74
BRBS Calmar Ratio Rank: 79
BRBS Martin Ratio Rank: 79

TOWN

TOWN Risk / Return Rank: 42
TOWN Sharpe Ratio Rank: 46
TOWN Sortino Ratio Rank: 38
TOWN Omega Ratio Rank: 37
TOWN Calmar Ratio Rank: 45
TOWN Martin Ratio Rank: 44

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

BRBS vs. TOWN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Blue Ridge Bankshares, Inc. (BRBS) and TowneBank (TOWN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	BRBS	TOWN	Difference
Sharpe ratio Return per unit of total volatility	1.29	0.15	+1.14
Sortino ratio Return per unit of downside risk	1.99	0.38	+1.61
Omega ratio Gain probability vs. loss probability	1.25	1.05	+0.20
Calmar ratio Return relative to maximum drawdown	2.28	0.17	+2.10
Martin ratio Return relative to average drawdown	5.83	0.35	+5.49
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

BRBS vs. TOWN - Sharpe Ratio Comparison

The current BRBS Sharpe Ratio is 1.29, which is higher than the TOWN Sharpe Ratio of 0.15. The chart below compares the historical Sharpe Ratios of BRBS and TOWN, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	BRBS	TOWN	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.29	0.15	+1.14
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.44	0.20	-0.64
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	-0.08	0.29	-0.38
Sharpe Ratio (All Time) Calculated using the full available price history	-0.17	0.19	-0.36

Correlation

The correlation between BRBS and TOWN is 0.16, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

BRBS vs. TOWN - Dividend Comparison

BRBS's dividend yield for the trailing twelve months is around 5.95%, more than TOWN's 3.18% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
BRBS Blue Ridge Bankshares, Inc.	5.95%	5.85%	0.00%	8.09%	3.90%	2.43%	2.40%	2.04%	3.13%	1.88%	2.07%	2.83%
TOWN TowneBank	3.18%	3.18%	2.94%	3.29%	2.89%	2.47%	3.07%	2.52%	2.59%	1.79%	1.53%	2.25%

Drawdowns

BRBS vs. TOWN - Drawdown Comparison

The maximum BRBS drawdown since its inception was -88.26%, which is greater than TOWN's maximum drawdown of -64.73%. Use the drawdown chart below to compare losses from any high point for BRBS and TOWN.

Drawdown Indicators

	BRBS	TOWN	Difference
Max Drawdown Largest peak-to-trough decline	-88.26%	-64.73%	-23.53%
Max Drawdown (1Y) Largest decline over 1 year	-15.87%	-14.28%	-1.59%
Max Drawdown (5Y) Largest decline over 5 years	-88.26%	-35.27%	-52.99%
Max Drawdown (10Y) Largest decline over 10 years	-88.26%	-52.72%	-35.54%
Current Drawdown Current decline from peak	-75.07%	-9.09%	-65.98%
Average Drawdown Average peak-to-trough decline	-50.57%	-25.60%	-24.97%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.20%	7.18%	-0.98%

Volatility

BRBS vs. TOWN - Volatility Comparison

Blue Ridge Bankshares, Inc. (BRBS) has a higher volatility of 7.09% compared to TowneBank (TOWN) at 4.51%. This indicates that BRBS's price experiences larger fluctuations and is considered to be riskier than TOWN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	BRBS	TOWN	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.09%	4.51%	+2.58%
Volatility (6M) Calculated over the trailing 6-month period	18.06%	16.59%	+1.47%
Volatility (1Y) Calculated over the trailing 1-year period	30.21%	24.76%	+5.45%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	46.37%	27.02%	+19.35%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	41.71%	30.52%	+11.19%

Financials

BRBS vs. TOWN - Profitability Comparison

The chart below illustrates the profitability comparison between Blue Ridge Bankshares, Inc. and TowneBank over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

BRBS - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Blue Ridge Bankshares, Inc. reported a gross profit of 0.00 and revenue of 25.16M. Therefore, the gross margin over that period was 0.0%.

TOWN - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, TowneBank reported a gross profit of 220.11M and revenue of 220.11M. Therefore, the gross margin over that period was 100.0%.

BRBS - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Blue Ridge Bankshares, Inc. reported an operating income of 0.00 and revenue of 25.16M, resulting in an operating margin of 0.0%.

TOWN - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, TowneBank reported an operating income of 109.34M and revenue of 220.11M, resulting in an operating margin of 49.7%.

BRBS - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Blue Ridge Bankshares, Inc. reported a net income of 4.24M and revenue of 25.16M, resulting in a net margin of 16.9%.

TOWN - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, TowneBank reported a net income of 40.63M and revenue of 220.11M, resulting in a net margin of 18.5%.