Blue Ridge Bankshares (BRBS) AI Stock Analysis

• Market Cap: $398.89M
• Dividend Yield: N/A
• Average Volume (3M): 302.25K
• Price to Earnings (P/E): 40.8
• Beta (1Y): 0.98
• Revenue Growth: -15.07%
• EPS Growth: N/A
• Country: US
• Employees: 416
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.04
• Shares Outstanding: 91,488,660
• 10 Day Avg. Volume: 294,236
• 30 Day Avg. Volume: 302,250
• PEG Ratio: -0.31
• Price to Book (P/B): 1.40
• Price to Sales (P/S): 3.01
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.15
• Enterprise Value/Revenue: 3.04
• Enterprise Value/Gross Profit: 4.79
• Enterprise Value/Ebitda: 30.53
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 49 Neutral
• Price Target: $4.50 ▲(3.45% Upside)

The score is held back primarily by weak/unclear current cash generation (2025 cash flow reported at zero) and a still-fragile financial recovery despite improved earnings and reduced leverage. Technicals are neutral, valuation is stretched with a high P/E, while the OCC consent order termination is a notable positive offset.

Positive Factors

Regulatory clearance

Termination of the OCC consent order is a structural improvement: it restores regulatory flexibility, reduces compliance constraints, and meaningfully expands the bank’s ability to pursue loan growth and deposit initiatives over the next several quarters, supporting long-term franchise rebuilding.

Improved capital / leverage

Material reduction in leverage improves solvency and loss-absorption capacity, lowering balance-sheet risk. A stronger capital posture supports cautious asset growth, continued credit underwriting, and gives management room to rebuild reserves or invest in strategic initiatives without immediate funding stress.

Return to profitability

Re-establishing positive net income signals operational stabilization: margins turned positive and costs appear controlled. Sustained profitability can enable retained earnings to rebuild capital, reduce reliance on external financing, and fund strategic investments over the medium term if revenue trends stabilize.

Negative Factors

Weak cash generation

Zero reported operating and free cash flow is a durable concern: without consistent cash generation the bank’s ability to fund loan growth, service debt, pay dividends, or absorb shocks is constrained. It raises questions about earnings quality and increases reliance on external funding sources.

Shrinking revenue base

Material recent revenue decline weakens the foundation for sustainable profit recovery. Continued top-line contraction limits margin expansion potential, reduces scale economics, and forces management to rely on cost cuts or balance-sheet tweaks rather than organic growth to restore durable earnings.

Low returns & fragile recovery

Persistently low ROE despite deleveraging indicates the balance sheet is not yet producing adequate shareholder returns. A fragile earnings recovery driven by cost factors rather than revenue momentum could leave ROE depressed and limit capital formation needed for long-term growth.

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

Profitability rebounded to positive earnings in 2025 and leverage has improved, but revenue is still shrinking and 2025 operating/free cash flow was reported as zero, raising earnings-quality and funding-flexibility concerns.

Income Statement

Profitability has improved meaningfully from deep losses in 2023 and 2024 to positive earnings in 2025 (annual report), with margins turning positive again. However, the revenue base has been shrinking recently (down in 2024 and further down in 2025), and current profit margins remain modest versus the stronger profitability seen in 2020–2022, suggesting the recovery is still fragile.

Balance Sheet

Leverage has come down substantially versus 2022–2023, with debt relative to equity improving from elevated levels to more moderate levels in 2024–2025, which reduces balance-sheet risk. That said, returns on equity are currently low (and were negative in 2023–2024), indicating the balance sheet is not yet producing strong shareholder returns despite the improved capital/leverage profile.

Cash Flow

Cash generation is the biggest weak spot: operating cash flow and free cash flow were reported as zero in 2025, following negative cash flow in 2024 and large year-to-year volatility historically (including a sharp outflow in 2020). While there were strong positive cash flow years (2021–2023), the recent deterioration and the lack of positive current cash flow limit confidence in earnings quality and funding flexibility.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	150.61M	173.89M	197.37M	169.74M	190.53M
Gross Profit	95.70M	97.33M	99.09M	126.97M	179.35M
EBITDA	15.02M	-13.89M	-55.85M	25.70M	72.18M
Net Income	10.71M	-15.38M	-51.77M	17.33M	52.48M
Balance Sheet
Total Assets	2.43B	2.74B	3.12B	3.13B	2.67B
Cash, Cash Equivalents and Short-Term Investments	448.88M	485.57M	431.57M	431.62M	504.08M
Total Debt	164.72M	198.40M	259.47M	359.48M	57.75M
Total Liabilities	2.11B	2.41B	2.93B	2.88B	2.39B
Stockholders Equity	323.69M	327.79M	185.99M	248.79M	276.91M
Cash Flow
Free Cash Flow	0.00	-6.90M	43.09M	93.48M	58.00M
Operating Cash Flow	0.00	-6.31M	44.06M	93.93M	59.21M
Investing Cash Flow	0.00	419.03M	-23.21M	-628.18M	52.48M
Financing Cash Flow	-175.99M	-357.88M	23.03M	480.98M	-99.09M

Blue Ridge Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.35
• 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 4.35 is above the 20-day moving average (MA) of 4.33, above the 50-day MA of 4.35, and above the 200-day MA of 3.82, indicating a bullish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 52.20 is Neutral, neither overbought nor oversold. The STOCH value of 38.48 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
CWBC	74 Outperform	$483.61M	12.62	8.91%	2.12%	32.03%	170.90%
FRBA	72 Outperform	$427.54M	9.78	10.03%	1.41%	9.76%	4.43%
BMRC	70 Outperform	$443.89M	-11.96	2.24%	3.76%	23.93%	―
BSRR	69 Neutral	$511.12M	12.19	11.07%	3.03%	-0.65%	14.14%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CIVB	60 Neutral	$478.57M	9.39	9.73%	2.96%	3.49%	33.86%
BRBS	49 Neutral	$398.89M	40.75	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.

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 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.