Blue Ridge Bankshares (BRBS) AI Stock Analysis

• Market Cap: $429.31M
• Dividend Yield: N/A
• Average Volume (3M): 302.25K
• Price to Earnings (P/E): 105.4
• Beta (1Y): 0.65
• Revenue Growth: -15.07%
• EPS Growth: N/A
• Country: US
• Employees: 416
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.06
• Shares Outstanding: 92,125,960
• 10 Day Avg. Volume: 294,236
• 30 Day Avg. Volume: 302,250
• 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: 0.86
• Enterprise Value/Revenue: 2.41
• Enterprise Value/Gross Profit: 7.93
• Enterprise Value/Ebitda: 46.02
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 49 Neutral
• Price Target: $4.50 ▲(2.51% Upside)

The overall stock score for Blue Ridge Bankshares is primarily impacted by its financial performance challenges, with declining revenues and profitability being significant concerns. The technical analysis shows positive momentum, providing some optimism. However, the high P/E ratio suggests overvaluation, and the lack of a dividend yield further detracts from its appeal. The absence of earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Share Repurchase Program

The share repurchase program reflects a strategic move to manage capital structure and potentially enhance shareholder value, indicating confidence in the company's long-term prospects.

Board Structure Amendment

Eliminating the classified board structure allows for annual director elections, improving governance transparency and potentially increasing accountability to shareholders.

Equity Base Strength

A strong equity base provides financial stability and flexibility, supporting long-term growth and resilience against economic fluctuations.

Negative Factors

Declining Revenue

The sharp decline in revenue indicates challenges in maintaining market position and operational efficiency, which could impact long-term profitability and growth.

Negative Cash Flow

Negative operating cash flow suggests liquidity issues and challenges in sustaining operations without external financing, potentially hindering future investments and growth.

Profitability Challenges

Sustained negative net income highlights ongoing profitability challenges, which may affect the company's ability to reinvest in growth and compete effectively in the market.

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 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 Money

Blue Ridge Bankshares generates revenue primarily through interest income from loans and fees associated with various banking services. The company earns interest on the loans it provides to customers, including personal loans, business loans, and mortgages. Additionally, Blue Ridge Bankshares collects fees from account maintenance, overdrafts, and transaction services. The bank may also earn revenue through investment activities and wealth management services, which include financial planning and asset management. Partnerships with technology providers for digital banking solutions may also contribute to enhancing customer engagement and retention, indirectly supporting revenue growth.

Blue Ridge Bankshares Financial Statement Overview

Summary

Blue Ridge Bankshares faces significant financial challenges. The income statement reflects a worrying trend of declining revenues and profitability. The balance sheet shows some strengths in equity but is offset by declining assets. Cash flow analysis points towards issues in operational cash generation. The company needs to address these issues to stabilize and improve its financial health.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	153.25M	173.89M	197.37M	169.74M	190.53M	110.31M
Gross Profit	46.61M	97.33M	99.09M	126.97M	179.35M	89.91M
EBITDA	8.03M	-13.89M	-55.85M	25.70M	72.18M	24.23M
Net Income	4.46M	-15.38M	-51.77M	17.33M	52.48M	17.70M
Balance Sheet
Total Assets	2.50B	2.74B	3.12B	3.13B	2.67B	1.50B
Cash, Cash Equivalents and Short-Term Investments	0.00	485.57M	431.57M	431.62M	504.08M	227.42M
Total Debt	172.31M	198.40M	259.47M	359.48M	57.75M	145.01M
Total Liabilities	2.14B	2.41B	2.93B	2.88B	2.39B	1.39B
Stockholders Equity	355.50M	327.79M	185.99M	248.79M	276.91M	107.97M
Cash Flow
Free Cash Flow	-5.60M	-6.90M	43.09M	93.48M	58.00M	-111.35M
Operating Cash Flow	-4.61M	-6.31M	44.06M	93.93M	59.21M	-108.34M
Investing Cash Flow	291.81M	419.03M	-23.21M	-628.18M	52.48M	-340.88M
Financing Cash Flow	-452.03M	-357.88M	23.03M	480.98M	-99.09M	507.14M

Blue Ridge Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.39
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 4.39 is above the 20-day moving average (MA) of 4.27, above the 50-day MA of 4.16, and above the 200-day MA of 3.57, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 61.37 is Neutral, neither overbought nor oversold. The STOCH value of 72.72 is Neutral, 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
BSRR	72 Outperform	$436.43M	11.35	11.07%	3.09%	-0.65%	14.14%
FRBA	70 Outperform	$395.87M	9.55	10.03%	1.52%	9.76%	4.43%
CWBC	70 Outperform	$404.42M	11.87	8.91%	2.04%	32.03%	170.90%
BMRC	70 Neutral	$420.06M	42.24	2.24%	3.70%	23.93%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CIVB	63 Neutral	$447.29M	8.69	9.73%	2.92%	3.49%	33.86%
BRBS	49 Neutral	$429.31M	105.43	1.29%	―	-15.07%	―

Blue Ridge Bankshares Corporate Events

Blue Ridge Bankshares Updates Investor Presentation

On November 5, 2025, Blue Ridge Bankshares updated its investor presentation during meetings with investors. The presentation highlighted various forward-looking statements and cautioned about potential risks and uncertainties affecting the company’s future performance. The company emphasized its strategic positioning in attractive markets and its compliance with regulatory requirements, which are crucial for maintaining its operational stability and stakeholder confidence.

The most recent analyst rating on (BRBS) stock is a Hold with a $4.50 price target. To see the full list of analyst forecasts on Blue Ridge Bankshares stock, see the BRBS Stock Forecast page.

Blue Ridge Bankshares Announces Special Cash Dividend

On October 27, 2025, Blue Ridge Bankshares, Inc. announced a special cash dividend of $0.25 per share, payable on November 21, 2025, to shareholders of record as of November 7, 2025. This decision reflects the company’s strong financial position and commitment to enhancing shareholder value, as affirmed by regulators.

The most recent analyst rating on (BRBS) stock is a Hold with a $4.00 price target. To see the full list of analyst forecasts on Blue Ridge Bankshares stock, see the BRBS Stock Forecast page.

Blue Ridge Bankshares Announces Share Repurchase Program

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.

The most recent analyst rating on (BRBS) stock is a Hold with a $3.50 price target. To see the full list of analyst forecasts on Blue Ridge Bankshares stock, see the BRBS Stock Forecast page.