Blue Ridge Bankshares Inc (BRBS)
XASE:BRBS
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Blue Ridge Bankshares
(NYSE MKT:BRBS)
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Rating:54Neutral
Price Target:
$3.50
▼(-19.54% Downside)
Action:Reiterated
Date:05/09/26
The score is mainly supported by improved financial performance and notably stronger TTM cash generation, alongside reduced leverage. Offsetting this, technicals remain weak with the stock trading below major moving averages and negative MACD, and valuation is a significant drag due to the very high P/E. Corporate events add modest support via the special dividend and governance continuity, but do not outweigh the valuation and trend concerns.
Positive Factors
Restored Profitability
The bank has returned to positive earnings with TTM net income of roughly $12M and an 8.3% net margin. Sustained profitability increases retained earnings, strengthens capital buffers, and provides a durable earnings base to support lending, reserves, and measured shareholder distributions.
Negative Factors
Shrinking Revenue
Top-line has contracted across 2024–2025 with TTM revenue down ~4.4% (and Fundamentals showing ~-10.96% over a recent period). Persistent revenue declines reduce the margin of safety for earnings, making profit recovery reliant on cost cuts or sustained loan/deposit growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Restored Profitability
The bank has returned to positive earnings with TTM net income of roughly $12M and an 8.3% net margin. Sustained profitability increases retained earnings, strengthens capital buffers, and provides a durable earnings base to support lending, reserves, and measured shareholder distributions.
Read all positive factors
Blue Ridge Bankshares (BRBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$294.91M
Dividend YieldN/A
Average Volume (3M)302.25K
Price to Earnings (P/E)111.0
Beta (1Y)0.82
Revenue Growth-10.96%
EPS GrowthN/A
CountryUS
Employees416
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.13
Shares Outstanding89,911,710
10 Day Avg. Volume294,236
30 Day Avg. Volume302,250
Financial Highlights & Ratios
PEG Ratio-0.31
Price to Book (P/B)1.40
Price to Sales (P/S)3.01
P/FCF Ratio37.92
Enterprise Value/Market Cap1.08
Enterprise Value/Revenue2.22
Enterprise Value/Gross Profit3.42
Enterprise Value/Ebitda19.51
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Blue Ridge Bankshares Business Overview & Revenue Model
Company Description
Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. It operates through: Commercial Banking and Mortgage Banking segmen...
How the Company Makes Money
Blue Ridge Bankshares makes money primarily through (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest and fees on loans and other interest-earning assets and paying interest on deposits and ot...
Blue Ridge Bankshares Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
58
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 143.92M | 150.61M | 173.89M | 197.37M | 169.74M | 190.53M |
| Gross Profit | 93.49M | 95.70M | 97.33M | 99.09M | 126.97M | 179.35M |
| EBITDA | 16.40M | 15.02M | -13.89M | -55.85M | 25.70M | 72.18M |
| Net Income | 11.98M | 10.71M | -15.38M | -51.77M | 17.33M | 52.48M |
Balance Sheet | ||||||
| Total Assets | 2.41B | 2.43B | 2.74B | 3.12B | 3.13B | 2.67B |
| Cash, Cash Equivalents and Short-Term Investments | 146.61M | 448.88M | 485.57M | 431.57M | 431.62M | 504.08M |
| Total Debt | 171.61M | 179.18M | 198.40M | 259.47M | 359.48M | 57.75M |
| Total Liabilities | 2.14B | 2.11B | 2.41B | 2.93B | 2.88B | 2.39B |
| Stockholders Equity | 276.96M | 323.69M | 327.79M | 185.99M | 248.79M | 276.91M |
Cash Flow | ||||||
| Free Cash Flow | 30.14M | 11.95M | -6.90M | 43.09M | 93.48M | 58.00M |
| Operating Cash Flow | 32.25M | 13.63M | -6.31M | 44.06M | 93.93M | 59.21M |
| Investing Cash Flow | 232.46M | 241.86M | 419.03M | -23.21M | -628.18M | 52.48M |
| Financing Cash Flow | -290.73M | -315.52M | -357.88M | 23.03M | 480.98M | -99.09M |
Blue Ridge Bankshares Technical Analysis
Negative
4.35
Price Trends
3.44
Negative
3.53
Negative
3.51
Negative
Market Momentum
-0.06
Positive
39.46
Neutral
33.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BRBS, the sentiment is Negative. The current price of 4.35 is above the 20-day moving average (MA) of 3.37, above the 50-day MA of 3.44, and above the 200-day MA of 3.51, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 39.46 is Neutral, neither overbought nor oversold. The STOCH value of 33.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BRBS.
Blue Ridge Bankshares Risk Analysis
Blue Ridge Bankshares disclosed 43 risk factors in its most recent earnings report. Blue Ridge Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Blue Ridge Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $421.58M | 11.99 | 11.26% | 3.76% | -30.41% | -412.21% | |
75 Outperform | $529.14M | 7.87 | 10.21% | 2.96% | 4.52% | 19.77% | |
72 Outperform | $646.07M | 9.66 | 10.30% | 2.12% | 6.30% | 234.95% | |
72 Outperform | $499.49M | 8.80 | 12.67% | 3.03% | -0.15% | 20.73% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $389.33M | 13.05 | 9.60% | 1.41% | 7.99% | 8.25% | |
54 Neutral | $294.91M | 110.96 | 3.68% | ― | -10.96% | ― |
* Financial Sector Average
BRBS
Blue Ridge Bankshares
3.28
0.50
18.03%
BMRC
Bank Of Marin Bancorp
26.04
6.35
32.27%
CWBC
Community West Bancshares
23.81
6.51
37.62%
CIVB
Civista Bancshares
25.46
4.09
19.13%
BSRR
Sierra Bancorp
38.19
11.94
45.49%
FRBA
First Bank
15.49
1.36
9.63%
Blue Ridge Bankshares Corporate Events
Executive/Board Changes
Blue Ridge Bankshares Raises Interim CEO Compensation Package
Positive
Apr 20, 2026
Blue Ridge Bankshares, Inc. has adjusted the compensation package of Interim Chief Executive Officer and Interim President Harry Golliday, who also serves as Interim CEO of Blue Ridge Bank, National Association. Effective April 15, 2026, his annua...
Business Operations and StrategyDividends
Blue Ridge Bankshares Declares Special Cash Dividend, Adjusts Warrants
Positive
Mar 30, 2026
Blue Ridge Bankshares, Inc. amended and restated its outstanding common stock warrants effective March 28, 2026, with board and majority warrant-holder approval. The revised terms reduce the per-share exercise price of the warrants by the per-shar...
Executive/Board Changes
Blue Ridge Bankshares Elevates Interim CEO to Board
Neutral
Mar 24, 2026
On March 18, 2026, Blue Ridge Bankshares, Inc. appointed Interim Chief Executive Officer and Interim President Harry Golliday to its Board of Directors, and simultaneously named him to the board of its banking subsidiary, Blue Ridge Bank, National...
Business Operations and StrategyExecutive/Board Changes
Blue Ridge Bankshares Names Interim CEO After Retirement
Neutral
Mar 12, 2026
Blue Ridge Bankshares, Inc. announced that G. William “Billy” Beale retired as president and chief executive officer of the company and CEO of Blue Ridge Bank on March 6, 2026, after leading the bank since May 2023 and overseeing its e...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.