A Business at a Glance
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Blue Ridge Bankshares, Inc. (the “Company”) is a bank holding company headquartered in Richmond, Virginia. The Company provides commercial and consumer banking and financial services through its wholly-owned bank subsidiary, Blue Ridge Bank, National Association (the “Bank”), and its wealth and trust management subsidiary, BRB Financial Group, Inc. (the “Financial Group”). The Company was incorporated under the laws of the Commonwealth of Virginia in July 1988. The Bank is a federally chartered national bank with its main office in Martinsville, Virginia that traces its roots to Page Valley Bank of Virginia, which opened for business in 1893. At December 31, 2025, the Bank operated twenty-seven full-service banking offices across its footprint, which stretches from the Shenandoah Valley across the Piedmont region through Richmond and into the coastal peninsulas and the Hampton Roads region of Virginia and into central North Carolina.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 151M | 151M | 174M | 197M | 170M | 191M |
| Net Income | 11M | 11M | -15M | -52M | 17M | 52M |
| EPS | $0.11 | $0.11 | $-0.31 | $-2.73 | $0.92 | $2.94 |
| Free Cash Flow | 12M | 12M | -6.9M | 43M | 93M | 58M |
| ROIC | 1.4% | 3.3% | -4.7% | -27.8% | 6.6% | 27.1% |
| Gross Margin | 63.4% | 63.4% | 57.3% | 58.3% | 74.8% | 94.1% |
| Debt/Equity | 0.00 | 6.52 | 7.35 | 15.76 | 0.00 | 0.00 |
| Dividends/Share | $0.23 | $0.25 | $0.00 | $0.05 | $0.49 | $0.40 |
| Operating Income | 3.8M | 3.8M | 8.1M | 9.1M | 6.8M | 3.5M |
| Operating Margin | 2.5% | 2.5% | 4.7% | 4.6% | 4.0% | 1.9% |
| ROE | 3.3% | 3.3% | -4.7% | -27.8% | 6.6% | 27.3% |
| Shares Outstanding | 97M | 97M | 50M | 88M | 19M | 18M |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |||
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 33M | 50M | 110M | 191M | 170M | 197M | 174M | 151M | 151M |
| Gross Margin | 80.4% | 77.3% | 81.5% | 94.1% | 74.8% | 58.3% | 57.3% | 63.4% | 63.4% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 12M | 19M | 45M | 61M | 56M | 58M | 58M | 46M | 46M |
| EBIT | 2.0M | 926K | 23M | 3.5M | 6.8M | 9.1M | 8.1M | 3.8M | 3.8M |
| Op. Margin | 6.2% | 1.9% | 20.6% | 1.9% | 4.0% | 4.6% | 4.7% | 2.5% | 2.5% |
| Net Income | 4.6M | 4.6M | 18M | 52M | 17M | -52M | -15M | 11M | 11M |
| Net Margin | 14.0% | 9.2% | 16.0% | 27.5% | 10.2% | -26.2% | -8.8% | 7.1% | 7.1% |
| Non-Recurring | 1K | 1K | -160K | -110K | 263K | 27M | 0 | 8.5M | 8.5M |
| Returns on Capital | |||||||||
| ROIC | 10.7% | 6.1% | 16.7% | 27.1% | 6.6% | -27.8% | -4.7% | 3.3% | 1.4% |
| ROE | 12.0% | 7.0% | 17.7% | 27.3% | 6.6% | -27.8% | -4.7% | 3.3% | 3.3% |
| ROA | 0.8% | 0.6% | 1.4% | 2.5% | 0.6% | -1.7% | -0.6% | 0.4% | 0.4% |
| Cash Flow | |||||||||
| Op. Cash Flow | -4.6M | -21M | -108M | 59M | 94M | 44M | -6.3M | 14M | 14M |
| Free Cash Flow | -6.1M | -22M | -111M | 58M | 93M | 43M | -6.9M | 12M | 12M |
| Owner Earnings | -7.8M | -24M | -112M | 53M | 86M | 42M | -7.8M | 12M | 12M |
| CapEx | 1.5M | 1.1M | 3.0M | 1.2M | 455K | 961K | 588K | 1.7M | 1.7M |
| Maint. CapEx | 3.1M | 3.1M | 3.4M | 5.3M | 6.3M | 1.7M | 1.5M | 1.4M | 1.4M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 313K | 313K |
| D&A | 3.1M | 3.1M | 3.4M | 5.3M | 6.3M | 1.7M | 1.5M | 1.4M | 1.4M |
| CapEx/OCF | N/A | N/A | N/A | 2.1% | 0.5% | 2.2% | N/A | N/A | 12.3% |
| Capital Allocation | |||||||||
| Dividends Paid | 1.5M | 2.5M | 2.4M | 7.2M | 9.2M | 4.6M | 0 | 23M | 23M |
| Dividend Yield | 3.6% | 3.6% | 2.0% | 2.8% | 3.6% | 0.7% | N/A | N/A | 6.7% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9.5M | 9.5M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 2.8% |
| Stock-Based Comp | 129K | 230K | 567K | 1.3M | 1.3M | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||
| Net Debt | -33M | -144M | -165M | -504M | -301M | N/A | N/A | N/A | -116M |
| Cash & Equiv. | 4.7M | 45M | 58M | 131M | -53M | 110M | 174M | 116M | 116M |
| Long-Term Debt | 9.8M | 9.8M | 2.4M | 0 | 0 | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.25 | 0.11 | 0.02 | 0.00 | 0.00 | 15.76 | 7.35 | 6.52 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 39M | 92M | 108M | 277M | 249M | 186M | 328M | 324M | 324M |
| Total Assets | 540M | 961M | 1.5B | 2.7B | 3.1B | 3.1B | 2.7B | 2.4B | 2.4B |
| Total Liabilities | 500M | 868M | 1.4B | 2.4B | 2.9B | 2.9B | 2.4B | 2.1B | 2.1B |
| Intangibles | 1.3M | 3.7M | 2.6M | 7.6M | 6.6M | 5.4M | 3.9M | 2.6M | 2.6M |
| Retained Earnings | 23M | 25M | 41M | 86M | 98M | 33M | 18M | -659K | -659K |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||
| EPS | 1.09 | 0.73 | 1.37 | 2.94 | 0.92 | -2.73 | -0.31 | 0.11 | 0.11 |
| Owner EPS | -1.87 | -3.83 | -8.67 | 2.95 | 4.58 | 0.48 | -0.16 | 0.13 | 0.13 |
| Book Value | 9.45 | 14.75 | 8.34 | 15.51 | 13.21 | 2.12 | 6.60 | 3.32 | 3.32 |
| Cash Flow/Share | -1.10 | -3.30 | -8.37 | 3.32 | 4.99 | 0.50 | -0.13 | 0.14 | 0.12 |
| Dividends/Share | 0.36 | 0.38 | 0.29 | 0.40 | 0.49 | 0.05 | 0.00 | 0.25 | 0.23 |
| Shares Out. | 4.2M | 6.2M | 12.9M | 17.8M | 18.8M | 87.8M | 49.6M | 97.4M | 97.4M |
| Valuation | |||||||||
| P/E Ratio | 8.6 | 15.8 | 5.1 | 5.8 | 12.6 | N/A | N/A | N/A | 31.7 |
| P/FCF | N/A | N/A | N/A | 4.9 | 2.3 | 6.4 | N/A | N/A | 28.4 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 59.5 |
| Price/Book | 1.0 | 0.8 | 0.8 | 1.1 | 0.9 | 1.5 | 0.8 | N/A | 1.0 |
| Price/Sales | 1.5 | 1.7 | 0.8 | 1.5 | 1.7 | 5.4 | 2.6 | N/A | 2.3 |
| FCF Yield | -15.5% | -29.9% | -124.0% | 19.0% | 42.8% | 15.5% | -2.6% | N/A | 3.5% |
| Market Cap | 39M | 73M | 90M | 306M | 218M | 277M | 265M | 0 | 340M |
| Avg. Price | 10.09 | 10.91 | 9.26 | 14.43 | 13.47 | 7.54 | 2.69 | 0.00 | 3.49 |
| Year-End Price | 9.38 | 11.62 | 10.50 | 15.94 | 11.38 | 3.16 | 3.02 | 0.00 | 3.49 |
BLUE RIDGE BANKSHARES, INC. passes 2 of 9 quality checks, indicating weak fundamentals.
BLUE RIDGE BANKSHARES, INC. trades at 73.1x trailing earnings, compared to its 15-year median P/E of 8.6x, suggesting it is currently Expensive relative to its historical range. The company's 5-year average ROIC is 0.9% with a gross margin of 69.6%. Total shareholder yield (dividends + buybacks) is 9.4%. At current prices, the estimated annualized return to fair value is -42.3%.
BLUE RIDGE BANKSHARES, INC. (BRBS) has a current P/E ratio of 73.1, compared to its historical median P/E of 8.6. The stock is currently considered Expensive based on its historical valuation range.
BLUE RIDGE BANKSHARES, INC. (BRBS) has a 5-year average return on invested capital (ROIC) of 0.9%. This is below average and may indicate limited pricing power.
BLUE RIDGE BANKSHARES, INC. (BRBS) has a market capitalization of $340M. It is classified as a small-cap stock.
Yes, BLUE RIDGE BANKSHARES, INC. (BRBS) pays a dividend with a trailing twelve-month yield of 6.65%. The company also returns capital through share buybacks, with a buyback yield of 2.80%.
Based on historical P/E analysis, BLUE RIDGE BANKSHARES, INC. (BRBS) appears expensive. The current P/E of 73.1 is 752% above its historical median of 8.6. The estimated fair value CAGR (P/E method) is -47.3%.
BLUE RIDGE BANKSHARES, INC. (BRBS) operates in the State Commercial Banks industry, within the Financials sector.
BLUE RIDGE BANKSHARES, INC. (BRBS) reported annual revenue of $151 million in its most recent fiscal year, based on SEC EDGAR filings.
BLUE RIDGE BANKSHARES, INC. (BRBS) has a net profit margin of 7.1%. This is a modest margin.
BLUE RIDGE BANKSHARES, INC. (BRBS) generated $12 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
BLUE RIDGE BANKSHARES, INC. (BRBS) has a debt-to-equity ratio of 6.52. This indicates higher leverage, which may increase financial risk.
BLUE RIDGE BANKSHARES, INC. (BRBS) reported earnings per share (EPS) of $0.11 in its most recent fiscal year.
BLUE RIDGE BANKSHARES, INC. (BRBS) has a return on equity (ROE) of 3.3%. This indicates moderate shareholder returns.
BLUE RIDGE BANKSHARES, INC. (BRBS) has a 5-year average gross margin of 69.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 8 years of financial data for BLUE RIDGE BANKSHARES, INC. (BRBS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
BLUE RIDGE BANKSHARES, INC. (BRBS) has a book value per share of $3.32, based on its most recent annual SEC filing.