Blue Ridge Bankshares (BRBS) AI Stock Analysis

• Market Cap: $360.15M
• Dividend Yield: N/A
• Average Volume (3M): 991.82K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.87
• Revenue Growth: -20.44%
• EPS Growth: 99.91%
• Country: US
• Employees: 416
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.01
• Shares Outstanding: 91,177,850
• 10 Day Avg. Volume: 410,012
• 30 Day Avg. Volume: 991,818
• PEG Ratio: -1.10
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -128.98
• Enterprise Value/Market Cap: 0.60
• Enterprise Value/Revenue: 5.70
• Enterprise Value/Gross Profit: 23.36
• Enterprise Value/Ebitda: -2.54K
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 50 Neutral
• Price Target: $4.00 ▲(1.27%Upside)

The overall stock score is heavily impacted by the poor financial performance and valuation concerns, as indicated by the negative P/E ratio and declining revenues. However, technical analysis provides some positive momentum, preventing a lower score. The absence of earnings call data and corporate events means these factors do not influence the score.

Blue Ridge Bankshares Business Overview & Revenue Model

Company Description

Blue Ridge Bankshares, Inc. (BRBS) is a financial holding company headquartered in Luray, Virginia. It operates primarily through its subsidiary, Blue Ridge Bank, which provides a wide range of banking and financial services to individuals and businesses. The company offers products such as personal and business checking accounts, savings accounts, certificates of deposit, and loan products including commercial, residential, and consumer loans. Additionally, it provides services like mortgage banking, wealth management, and insurance products.

How the Company Makes Money

Blue Ridge Bankshares makes money primarily through the interest income generated from its loan products, which include commercial, residential, and consumer loans. The difference between the interest earned on loans and the interest paid on deposits forms the bank's net interest income, a major revenue source. Non-interest income, derived from fees for services such as account maintenance, mortgage banking, and wealth management, also contributes to the company's revenue. Furthermore, strategic partnerships and acquisitions may enhance its revenue streams by expanding its service offerings and customer base. The bank's performance is influenced by factors such as interest rates, economic conditions, and regulatory changes.

Blue Ridge Bankshares Financial Statement Overview

Summary

Blue Ridge Bankshares is facing significant financial challenges. The company's income statement reflects a decline in revenues and profitability, with net income turning negative. The balance sheet shows some strengths with a strong equity base but declining total assets. Cash flow analysis highlights concerns with negative operating and free cash flows, indicating potential liquidity issues.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	97.33M	99.26M	152.66M	179.47M	100.36M
Gross Profit	97.33M	99.26M	152.66M	179.47M	77.39M
EBITDA	-26.90M	-57.55M	25.70M	43.55M	0.00
Net Income	-15.38M	-51.77M	17.33M	52.48M	17.70M
Balance Sheet
Total Assets	2.74B	3.12B	3.13B	2.67B	1.50B
Cash, Cash Equivalents and Short-Term Investments	485.57M	114.94M	431.62M	499.74M	228.04M
Total Debt	198.40M	259.47M	359.48M	57.75M	145.01M
Total Liabilities	2.41B	2.93B	2.88B	2.39B	1.39B
Stockholders Equity	327.79M	185.99M	248.79M	276.91M	107.97M
Cash Flow
Free Cash Flow	-42.34M	43.09M	93.48M	58.00M	-111.35M
Operating Cash Flow	-41.76M	44.06M	93.93M	59.21M	-108.34M
Investing Cash Flow	-111.85M	-23.21M	-628.18M	52.48M	-340.88M
Financing Cash Flow	153.41M	23.03M	480.98M	-99.09M	507.14M

Blue Ridge Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.95
• 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 3.95 is above the 20-day moving average (MA) of 3.69, above the 50-day MA of 3.53, and above the 200-day MA of 3.35, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 59.34 is Neutral, neither overbought nor oversold. The STOCH value of 71.79 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
FNLC	81 Outperform	$299.10M	10.61	11.76%	6.78%	12.08%	9.69%
RBB	79 Outperform	$344.15M	15.03	4.47%	3.35%	-0.13%	-32.16%
CZFS	75 Outperform	$290.26M	10.20	9.62%	3.25%	9.53%	63.45%
BCML	74 Outperform	$313.70M	13.07	7.50%	2.11%	1.75%	2.76%
PDLB	68 Neutral	$329.07M	22.92	2.88%	―	20.07%	147.42%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%
BRBS	50 Neutral	$360.15M	―	-0.06%	―	-20.44%	99.91%

Blue Ridge Bankshares Corporate Events

Blue Ridge Bankshares Amends Board Structure

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.