Blue Ridge Bankshares (BRBS) AI Stock Analysis

• Market Cap: $363.54M
• Dividend Yield: N/A
• Average Volume (3M): 302.25K
• Price to Earnings (P/E): 26.7
• Beta (1Y): 1.04
• 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: 91,340,485
• 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: 121.01
• Enterprise Value/Market Cap: 1.16
• Enterprise Value/Revenue: 2.81
• Enterprise Value/Gross Profit: 4.42
• Enterprise Value/Ebitda: 28.16
• 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: $4.00 ▼(-8.05% Downside)
• Action: Reiterated Date: 02/05/26
• Date: Action: Reiterated 02/05/26

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

Ending the OCC consent order removes regulatory constraints that had limited strategic options and operational flexibility. Over 2–6 months this reduces compliance overhead, enables fuller balance-sheet management, and supports renewed growth initiatives and partnership opportunities as the bank rebuilds operations.

Improved Leverage

A materially reduced leverage profile lowers solvency and liquidity risk and increases capital headroom for lending or absorbing losses. This more moderate debt/equity posture supports durable credit capacity, underwriting flexibility and safer balance-sheet growth across upcoming economic cycles.

Return to Profitability

Re-establishing positive net income signals that core bank economics are recovering: loan pricing, expense control and fee income are sufficient to generate earnings. Sustained profitability improves retained capital generation and reinvestment capacity, supporting medium-term stability and strategic initiatives.

Negative Factors

Poor Cash Generation

Zero operating and free cash flow undermines funding flexibility, forcing reliance on deposit shifts or borrowings for loan growth and capital needs. Over months this constrains investment, reduces ability to build reserves or pay discretionary compensation/dividends, and raises earnings-quality concerns.

Shrinking Revenue Base

Declining revenue erodes scale and limits margin leverage from fixed costs, making profitability more sensitive to credit shocks and interest-rate swings. If revenue contraction persists, it pressures cost-cutting, reduces capital build, and hampers longer-term growth prospects across business lines.

Leadership Transition Risk

An interim CEO during a post-consent-order recovery introduces execution and strategy continuity risk. While the interim appointee is experienced, prolonged leadership transition can delay strategic decisions, hiring and investor confidence, which matters materially while the bank reshapes its balance sheet and revenue mix.

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 makes money primarily through (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest and fees on loans and other interest-earning assets and paying interest on deposits and other funding sources; the spread between asset yields and funding costs (the net interest margin) is typically the largest driver of earnings for a community bank. Key interest-earning assets generally include commercial and industrial loans, commercial real estate loans, residential mortgage loans, consumer loans, and a securities portfolio, while key funding sources include noninterest-bearing and interest-bearing deposits as well as borrowings when used. Noninterest income is generated from fees and service charges associated with banking activities, which commonly include deposit account service charges, interchange income from debit card usage, fees from treasury management/cash management services, merchant/payment-related services, and other transactional or fiduciary/ancillary banking fees. Profitability is influenced by credit performance (loan losses and provisioning), the mix of deposits (low-cost vs. higher-cost), interest rate conditions, loan growth and pricing, and operating expenses required to support branches, staffing, technology, and compliance.

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	179.18M	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	3.74M	-6.90M	43.09M	93.48M	58.00M
Operating Cash Flow	13.63M	-6.31M	44.06M	93.93M	59.21M
Investing Cash Flow	241.86M	419.03M	-23.21M	-628.18M	52.48M
Financing Cash Flow	-315.52M	-357.88M	23.03M	480.98M	-99.09M

Blue Ridge Bankshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 4.35
• 50DMA: Negative
• 100DMA: Negative
• 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 4.35 is above the 20-day moving average (MA) of 4.06, above the 50-day MA of 4.21, and above the 200-day MA of 3.94, indicating a neutral trend. The MACD of -0.09 indicates Positive momentum. The RSI at 41.01 is Neutral, neither overbought nor oversold. The STOCH value of 51.79 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	69 Neutral	$431.12M	9.59	9.79%	2.12%	32.03%	170.90%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRBA	65 Neutral	$380.79M	9.41	10.03%	1.41%	9.76%	4.43%
CIVB	64 Neutral	$461.36M	8.42	9.73%	2.96%	3.49%	33.86%
BSRR	64 Neutral	$431.59M	8.40	11.07%	3.03%	-0.65%	14.14%
BMRC	63 Neutral	$386.07M	9.53	2.24%	3.76%	23.93%	―
BRBS	49 Neutral	$363.54M	26.69	3.15%	―	-15.07%	―

Blue Ridge Bankshares Corporate Events

Blue Ridge Bankshares Names Interim CEO After Retirement

Blue Ridge Bankshares, Inc. announced that G. William “Billy” Beale retired as president and chief executive officer of the company and CEO of Blue Ridge Bank on March 6, 2026, after leading the bank since May 2023 and overseeing its exit from an OCC Consent Order tied to prior activities. Under a March 12, 2026 retirement agreement, Beale receives his 2025 bonus, accelerated vesting of restricted stock and a package of lump-sum and monthly payments, while both sides agreed to mutual non-disparagement and he resigned all board and fiduciary roles.

The boards named Executive Vice President and Chief Credit Officer Harry Golliday as interim CEO and president of the company and interim CEO of the bank effective March 6, 2026, positioning a veteran risk specialist to steer the lender following its return to profitability and the November 2025 termination of the consent order. With more than four decades in financial services and a contract that includes defined severance and non-compete terms, Golliday is expected to focus on growth, capital management and strategic opportunities as Blue Ridge Bank continues reshaping its balance sheet and business mix.

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.