TOWN vs. BRBS

Last updated Apr 3, 2026

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

Performance

TOWN vs. BRBS - Performance Comparison

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

TOWN vs. BRBS - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
TOWN TowneBank	2.42%	1.03%	18.35%	0.26%	0.67%	37.97%	-12.27%	19.23%	-20.40%	-5.88%
BRBS Blue Ridge Bankshares, Inc.	-3.51%	40.14%	6.27%	-75.19%	-27.87%	55.01%	-12.56%	24.18%	4.45%	14.52%

Fundamentals

Market Cap TOWN : $2.68B BRBS : $408.73M
EPS TOWN : $2.19 BRBS : $0.11
PE Ratio TOWN : 15.47 BRBS : 36.50
PS Ratio TOWN : 2.50 BRBS : 2.84
PB Ratio TOWN : 1.11 BRBS : 1.26
Total Revenue (TTM) TOWN : $1.05B BRBS : $137.77M
Gross Profit (TTM) TOWN : $811.16M BRBS : $23.79M
EBITDA (TTM) TOWN : $256.50M BRBS : $10.12M

Returns By Period

In the year-to-date period, TOWN achieves a 2.42% return, which is significantly higher than BRBS's -3.51% return. Over the past 10 years, TOWN has outperformed BRBS with an annualized return of 8.86%, while BRBS has yielded a comparatively lower -3.66% annualized return.

TOWN

• 1D: -0.15%
• 1M: -0.59%
• YTD: 2.42%
• 6M: 0.52%
• 1Y: 3.21%
• 3Y*: 12.69%
• 5Y*: 5.33%
• 10Y*: 8.86%

BRBS

• 1D: -1.90%
• 1M: 1.98%
• YTD: -3.51%
• 6M: 3.42%
• 1Y: 31.94%
• 3Y*: -24.32%
• 5Y*: -20.46%
• 10Y*: -3.66%

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

Return for Risk

TOWN vs. BRBS — Risk / Return Rank

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

TOWN

TOWN Risk / Return Rank: 41
TOWN Sharpe Ratio Rank: 44
TOWN Sortino Ratio Rank: 37
TOWN Omega Ratio Rank: 37
TOWN Calmar Ratio Rank: 45
TOWN Martin Ratio Rank: 44

BRBS

BRBS Risk / Return Rank: 74
BRBS Sharpe Ratio Rank: 75
BRBS Sortino Ratio Rank: 71
BRBS Omega Ratio Rank: 67
BRBS Calmar Ratio Rank: 78
BRBS Martin Ratio Rank: 78

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.

TOWN vs. BRBS - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for TowneBank (TOWN) and Blue Ridge Bankshares, Inc. (BRBS). 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.

	TOWN	BRBS	Difference
Sharpe ratio Return per unit of total volatility	0.13	1.07	-0.94
Sortino ratio Return per unit of downside risk	0.35	1.71	-1.36
Omega ratio Gain probability vs. loss probability	1.05	1.21	-0.16
Calmar ratio Return relative to maximum drawdown	0.24	2.27	-2.03
Martin ratio Return relative to average drawdown	0.48	5.78	-5.30
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

TOWN vs. BRBS - Sharpe Ratio Comparison

The current TOWN Sharpe Ratio is 0.13, which is lower than the BRBS Sharpe Ratio of 1.07. The chart below compares the historical Sharpe Ratios of TOWN and BRBS, 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

	TOWN	BRBS	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.13	1.07	-0.94
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.20	-0.44	+0.64
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.29	-0.09	+0.38
Sharpe Ratio (All Time) Calculated using the full available price history	0.19	-0.17	+0.36

Correlation

The correlation between TOWN and BRBS 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

TOWN vs. BRBS - Dividend Comparison

TOWN's dividend yield for the trailing twelve months is around 3.19%, less than BRBS's 6.07% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TOWN TowneBank	3.19%	3.18%	2.94%	3.29%	2.89%	2.47%	3.07%	2.52%	2.59%	1.79%	1.53%	2.25%
BRBS Blue Ridge Bankshares, Inc.	6.07%	5.85%	0.00%	8.09%	3.90%	2.43%	2.40%	2.04%	3.13%	1.88%	2.07%	2.83%

Drawdowns

TOWN vs. BRBS - Drawdown Comparison

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

Drawdown Indicators

	TOWN	BRBS	Difference
Max Drawdown Largest peak-to-trough decline	-64.73%	-88.26%	+23.53%
Max Drawdown (1Y) Largest decline over 1 year	-14.28%	-15.87%	+1.59%
Max Drawdown (5Y) Largest decline over 5 years	-35.27%	-88.26%	+52.99%
Max Drawdown (10Y) Largest decline over 10 years	-52.72%	-88.26%	+35.54%
Current Drawdown Current decline from peak	-9.23%	-75.54%	+66.31%
Average Drawdown Average peak-to-trough decline	-25.60%	-50.57%	+24.97%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.20%	6.23%	+0.97%

Volatility

TOWN vs. BRBS - Volatility Comparison

The current volatility for TowneBank (TOWN) is 4.42%, while Blue Ridge Bankshares, Inc. (BRBS) has a volatility of 7.30%. This indicates that TOWN experiences smaller price fluctuations and is considered to be less risky than BRBS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	TOWN	BRBS	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.42%	7.30%	-2.88%
Volatility (6M) Calculated over the trailing 6-month period	16.56%	18.14%	-1.58%
Volatility (1Y) Calculated over the trailing 1-year period	24.74%	30.21%	-5.47%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	27.01%	46.36%	-19.35%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.52%	41.71%	-11.19%

Financials

TOWN vs. BRBS - Profitability Comparison

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

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 - 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 - 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 - 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 - 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%.

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%.