Blue Ridge Bankshares (BRBS) AI Stock Analysis

• Market Cap: $394.32M
• Dividend Yield: N/A
• Average Volume (3M): 302.25K
• Price to Earnings (P/E): 106.2
• Beta (1Y): 0.93
• 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: 91,488,660
• 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: 0.94
• 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: 52 Neutral
• Price Target: $4.50 ▲(4.41% Upside)

Blue Ridge Bankshares' overall score is driven by significant financial challenges, despite positive corporate events and moderate technical indicators. The high P/E ratio suggests overvaluation, but recent regulatory and dividend announcements provide some optimism.

Positive Factors

Regulatory Compliance

The termination of the OCC Consent Order enhances operational flexibility and growth potential, indicating improved regulatory compliance.

Shareholder Value

The special cash dividend reflects a strong financial position and commitment to returning value to shareholders, enhancing investor confidence.

Equity Base

A strong equity base provides financial stability and supports future growth initiatives, ensuring resilience against economic fluctuations.

Negative Factors

Revenue Decline

Declining revenues indicate challenges in market competitiveness and product demand, potentially impacting long-term profitability and growth.

Negative Cash Flow

Negative operating cash flow raises concerns about liquidity and the ability to sustain operations without external financing, affecting financial health.

Profitability Challenges

Sustained net losses highlight ongoing profitability issues, which can hinder reinvestment and strategic growth efforts, affecting long-term viability.

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: Neutral
• Last Price: 4.31
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BRBS, the sentiment is Neutral. The current price of 4.31 is below the 20-day moving average (MA) of 4.43, above the 50-day MA of 4.28, and above the 200-day MA of 3.64, indicating a neutral trend. The MACD of 0.06 indicates Positive momentum. The RSI at 44.45 is Neutral, neither overbought nor oversold. The STOCH value of 20.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BRBS.

Blue Ridge Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CWBC	73 Outperform	$435.71M	12.77	8.91%	2.12%	32.03%	170.90%
BMRC	73 Outperform	$428.44M	43.00	2.24%	3.76%	23.93%	―
BSRR	72 Outperform	$449.91M	11.59	11.07%	3.03%	-0.65%	14.14%
FRBA	70 Outperform	$426.78M	10.24	10.03%	1.41%	9.76%	4.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CIVB	64 Neutral	$444.58M	8.60	9.73%	2.96%	3.49%	33.86%
BRBS	52 Neutral	$394.32M	106.16	1.29%	―	-15.07%	―

Blue Ridge Bankshares Corporate Events

Blue Ridge Bankshares Celebrates OCC Consent Order Termination

On November 13, 2025, Blue Ridge Bankshares, Inc. announced that its bank subsidiary, Blue Ridge Bank, received notification from the Office of the Comptroller of the Currency (OCC) about the termination of a Consent Order that was initially entered on January 24, 2024. The termination of this Consent Order, achieved in less than 23 months, is seen as a significant milestone for the company, enhancing its ability and flexibility to grow and expand in its key markets, with a renewed focus on community banking, customer experience, and attracting new loans and deposits.

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.

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.