Blue Ridge Bankshares (BRBS) AI Stock Analysis

• Market Cap: $351.92M
• Dividend Yield: N/A
• Average Volume (3M): 372.48K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.85
• Revenue Growth: -20.44%
• EPS Growth: 99.91%
• Country: US
• Employees: 416
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.01
• Shares Outstanding: 92,125,960
• 10 Day Avg. Volume: 391,040
• 30 Day Avg. Volume: 372,477
• PEG Ratio: 0.12
• Price to Book (P/B): 0.48
• Price to Sales (P/S): 1.63
• P/FCF Ratio: -3.74
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 3.57
• Enterprise Value/Gross Profit: 4.01
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $3.50
• Price Target Upside: -7.65% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 41 Neutral
• Price Target: $3.50 ▼(-7.65% Downside)

The overall stock score is heavily influenced by the company's poor financial performance, which is the most significant factor. Technical analysis indicates bearish momentum, and the valuation is unattractive due to a negative P/E ratio and no dividend yield. The absence of earnings call data and corporate events means these factors do not influence the score.

Blue Ridge Bankshares Business Overview & Revenue Model

Company Description

Blue Ridge Bankshares (BRBS) is a financial holding company based in Virginia, primarily engaged in providing a range of banking and financial services through its subsidiary, Blue Ridge Bank. The bank offers various products including personal and commercial banking, mortgage lending, and investment services. With a focus on serving individuals, businesses, and communities in its operational regions, BRBS aims to enhance customer experiences through tailored financial solutions and community engagement.

How the Company Makes Money

Blue Ridge Bankshares generates revenue primarily through interest income from loans and investments, which constitutes the bulk of its earnings. The company offers various loan products, including commercial loans, residential mortgages, and consumer loans, all of which accrue interest over time. Additionally, BRBS earns non-interest income through fees for services such as account maintenance, ATM transactions, and wealth management services. The bank also engages in investment activities that provide returns. Strategic partnerships with local businesses and community organizations further enhance its customer base and revenue potential, while efficient risk management practices help maintain profitability.

Blue Ridge Bankshares Financial Statement Overview

Summary

Blue Ridge Bankshares faces significant financial challenges. The income statement shows declining revenues and profitability, with negative net income in recent years. The balance sheet has a strong equity base but declining assets. Cash flow is negative, indicating liquidity and operational sustainability issues.

Income Statement

Blue Ridge Bankshares has experienced a significant decline in total revenue from 2020 to 2024, dropping from $100.9M to $0. The net income has also been negative for the last two years, indicating profitability challenges. The company showed a positive gross profit margin in earlier years, but recent years reflect a downturn with EBIT and EBITDA margins turning negative.

Balance Sheet

The balance sheet shows a relatively strong equity base with a stockholders' equity of $327.8M in 2024. The debt-to-equity ratio has improved, with zero total debt in 2024. Despite this, total assets have decreased over the years. The equity ratio has been stable, which is a positive sign of financial health, but the decrease in total assets may indicate issues in asset management or valuation.

Cash Flow

Operating cash flow has been negative in recent years, which is concerning for liquidity and operational sustainability. Free cash flow has also been negative, indicating potential issues in generating cash from operations. The company has seen fluctuations in financing and investing cash flows, which can imply instability in cash management strategies.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	97.33M	99.26M	152.66M	179.47M	100.36M
Gross Profit	97.33M	99.26M	152.66M	179.47M	77.39M
EBITDA	-13.89M	-57.55M	25.70M	43.55M	0.00
Net Income	-15.38M	-51.77M	17.33M	52.48M	17.70M
Balance Sheet
Total Assets	2.74B	3.12B	3.13B	2.67B	1.50B
Cash, Cash Equivalents and Short-Term Investments	485.57M	114.94M	431.62M	499.74M	228.04M
Total Debt	198.40M	259.47M	359.48M	57.75M	145.01M
Total Liabilities	2.41B	2.93B	2.88B	2.39B	1.39B
Stockholders Equity	327.79M	185.99M	248.79M	276.91M	107.97M
Cash Flow
Free Cash Flow	-42.34M	43.09M	93.48M	58.00M	-111.35M
Operating Cash Flow	-8.34M	44.06M	93.93M	59.21M	-108.34M
Investing Cash Flow	-111.85M	-23.21M	-628.18M	52.48M	-340.88M
Financing Cash Flow	153.41M	23.03M	480.98M	-99.09M	507.14M

Blue Ridge Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.79
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BRBS, the sentiment is Positive. The current price of 3.79 is above the 20-day moving average (MA) of 3.72, above the 50-day MA of 3.57, and above the 200-day MA of 3.41, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 58.34 is Neutral, neither overbought nor oversold. The STOCH value of 88.60 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BRBS.

Blue Ridge Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNLC	77 Outperform	$295.17M	10.16	11.76%	5.44%	12.08%	9.69%
CZFS	75 Outperform	$281.08M	8.88	10.53%	3.51%	2.41%	15.34%
RBB	74 Outperform	$336.74M	15.12	4.47%	3.22%	-0.13%	-32.16%
PDLB	69 Neutral	$357.14M	20.91	3.42%	―	17.80%	86.24%
BCML	68 Neutral	$312.53M	13.12	7.50%	2.08%	1.75%	2.76%
Sector *	68 Neutral	$17.50B	11.66	10.44%	3.82%	9.93%	1.59%
BRBS	41 Neutral	$351.92M	―	-0.06%	―	-20.44%	99.91%

Blue Ridge Bankshares Corporate Events

Blue Ridge Bankshares Amends Board Structure

On May 21, 2025, Blue Ridge Bankshares, Inc. amended its Articles of Incorporation to eliminate the classified structure of its Board of Directors, allowing for the annual election of directors. This change was approved by shareholders and became effective immediately, with a phased implementation over three years starting in 2026. Additionally, the company’s Bylaws were amended to reflect these changes and included revisions to leadership roles during shareholder meetings and the removal of outdated provisions.