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Blue Ridge Bankshares (BRBS)
:BRBS
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Blue Ridge Bankshares (BRBS) AI Stock Analysis

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BRBS

Blue Ridge Bankshares

(NYSE MKT:BRBS)

Rating:51Neutral
Price Target:
$4.00
▼(-1.23% Downside)
Blue Ridge Bankshares' overall score is primarily impacted by its financial challenges, with declining revenues and profitability being significant concerns. The technical analysis provides a moderate positive outlook, while the share repurchase program is a strategic positive. However, the valuation remains unattractive due to a negative P/E ratio.

Blue Ridge Bankshares (BRBS) vs. SPDR S&P 500 ETF (SPY)

Blue Ridge Bankshares Business Overview & Revenue Model

Company DescriptionBlue 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 segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, consumer installment, and guaranteed government loans; and mortgages loans on real estate. In addition, it provides wire, direct deposit payroll, remote deposit, payroll processing, electronic statement, and other services; and property and casualty insurance products to individuals and businesses, as well as online, mobile, and telephone banking services. Further, the company offers employee benefit plans and administration services; management services for personal and corporate trusts, including estate planning and settlement, and trust administration, investment and wealth management, and other insurance products; and wholesale and third-party residential mortgage origination services to other financial institutions and credit unions. It has branches in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Charlottesville, Virginia.
How the Company Makes MoneyBlue 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
35
Negative
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
50
Neutral
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
40
Negative
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue97.33M99.26M152.66M179.47M100.36M
Gross Profit97.33M99.26M152.66M179.47M77.39M
EBITDA-13.89M-57.55M25.70M43.55M0.00
Net Income-15.38M-51.77M17.33M52.48M17.70M
Balance Sheet
Total Assets2.74B3.12B3.13B2.67B1.50B
Cash, Cash Equivalents and Short-Term Investments485.57M114.94M431.62M499.74M228.04M
Total Debt198.40M259.47M359.48M57.75M145.01M
Total Liabilities2.41B2.93B2.88B2.39B1.39B
Stockholders Equity327.79M185.99M248.79M276.91M107.97M
Cash Flow
Free Cash Flow-42.34M43.09M93.48M58.00M-111.35M
Operating Cash Flow-8.34M44.06M93.93M59.21M-108.34M
Investing Cash Flow-111.85M-23.21M-628.18M52.48M-340.88M
Financing Cash Flow153.41M23.03M480.98M-99.09M507.14M

Blue Ridge Bankshares Technical Analysis

Technical Analysis Sentiment
Positive
Last Price4.05
Price Trends
50DMA
3.70
Positive
100DMA
3.55
Positive
200DMA
3.47
Positive
Market Momentum
MACD
0.09
Negative
RSI
58.83
Neutral
STOCH
73.86
Neutral
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 4.05 is above the 20-day moving average (MA) of 3.79, above the 50-day MA of 3.70, and above the 200-day MA of 3.47, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 58.83 is Neutral, neither overbought nor oversold. The STOCH value of 73.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BRBS.

Blue Ridge Bankshares Risk Analysis

Blue Ridge Bankshares disclosed 46 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
$304.70M10.4311.76%5.36%12.08%9.69%
76
Outperform
$348.98M15.474.47%3.20%-0.13%-32.16%
74
Outperform
$330.55M13.697.50%2.01%1.75%2.76%
72
Outperform
$288.25M9.0910.53%3.27%2.41%15.34%
70
Outperform
$356.18M20.853.42%17.80%86.24%
68
Neutral
$17.88B11.6610.46%3.76%9.66%1.70%
51
Neutral
$373.11M-0.06%-20.44%99.91%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BRBS
Blue Ridge Bankshares
3.96
1.20
43.48%
FNLC
First Bancorp
27.03
1.74
6.88%
RBB
Rbb Bancorp
19.90
-1.55
-7.23%
CZFS
Citizens Financial Services
60.05
11.95
24.84%
BCML
BayCom
29.76
7.93
36.33%
PDLB
Ponce Financial Group Inc
14.90
3.84
34.72%

Blue Ridge Bankshares Corporate Events

Stock BuybackBusiness Operations and Strategy
Blue Ridge Bankshares Announces Share Repurchase Program
Positive
Aug 25, 2025

On August 25, 2025, Blue Ridge Bankshares, Inc. announced the adoption of a share repurchase program, allowing the company to buy back up to $15 million of its common stock. The program provides flexibility in repurchasing shares through various methods, including open market purchases and privately negotiated transactions, and can be modified or terminated based on market conditions, liquidity needs, and other factors. This initiative reflects the company’s strategic approach to managing its capital structure and potentially enhancing shareholder value.

Executive/Board ChangesShareholder Meetings
Blue Ridge Bankshares Amends Board Structure
Neutral
May 27, 2025

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.

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.Date of analysis: Aug 25, 2025