BRBS Stock Analysis: Blue Ridge Bankshares | AMEX
Banks - Regional | AMEX, USA | Market Cap: 347m USD | 12M Return: 9.2% | US0958251052 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.85M
Rev. Trend: -85.2%
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Blue Ridge Bankshares, Inc. is a bank holding company that operates Blue Ridge Bank, National Association, providing commercial and consumer banking services through two segments: Commercial Banking and Mortgage Banking. The company accepts a range of deposit products including checking, savings, money market, cash management, IRA accounts, and certificates of deposit, while also originating commercial and industrial loans, residential and commercial mortgages, home equity loans, and consumer installment loans. Beyond traditional banking, it offers treasury management, wire services, online and mobile banking, fraud prevention, procurement cards, property and casualty insurance, SBA loans, and wealth management services including trust administration, estate planning, and life insurance products. Founded in 1893 and headquartered in Richmond, Virginia, the company operates branches across numerous Virginia communities as well as in Greensboro, North Carolina. As a regional bank holding company, BRBS is subject to regulatory oversight by federal banking authorities and operates within a defined geographic footprint, with its mortgage banking segment reflecting exposure to interest rate trends and housing market activity that influence loan origination and sale volumes.
- Mortgage Banking segment revenue swings with interest rate environment
- Net interest margin compresses as deposit costs outpace loan yields
- Small-cap bank pursues capital raising to fund loan growth and meet regulatory requirements
| Net Income: 10.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.44 > 1.0 |
| NWC/Revenue: 284.7% < 20% (prev -1.17k%; Δ 1.46k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 23.3m > Net Income 10.5m |
| Net Debt (-200.9m) to EBITDA (15.0m): -13.38 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (88.5m) vs 12m ago 2.90% < -2% |
| Gross Margin: 62.52% > 18% (prev 60.82%; Δ 1.70% > 0.5%) |
| Asset Turnover: 5.59% > 50% (prev 6.22%; Δ -0.63% > 0%) |
| Interest Coverage Ratio: 0.26 > 6 (EBIT TTM 13.8m / Interest Expense TTM 52.4m) |
| A: 0.17 (Total Current Assets 388.8m - Total Current Liabilities 0.0) / Total Assets 2.33b |
| B: -0.02 (Retained Earnings -47.6m / Total Assets 2.33b) |
| C: 0.01 (EBIT TTM 13.8m / Avg Total Assets 2.44b) |
| D: 0.13 (Book Value of Equity 276.5m / Total Liabilities 2.05b) |
| Altman-Z'' = 1.21 = BB |
| DSRI: 1.01 (Receivables 10.1m/11.7m, Revenue 136.6m/159.0m) |
| GMI: 0.97 (GM 60.82% / 62.52%) |
| AQI: 0.88 (AQ_t 0.82 / AQ_t-1 0.93) |
| SGI: 0.86 (Revenue 136.6m / 159.0m) |
| TATA: -0.01 (NI 10.5m - CFO 23.3m) / TA 2.33b) |
| Beneish M = -3.22 (Cap -4..+1) = AA |
As of September 27, 2026, the stock is trading at USD 3.85 with a total of 1,362,147 shares traded. Over the past week, the price has changed by -2.53%, over one month by -1.79%, over three months by +10.32% and over the past year by +9.21%.
Current recommended Stop Loss: 3.70 (which is 3.9% or 1.7 ATR below the current price).
Blue Ridge Bankshares has no consensus analysts rating.
P/E Trailing = 43.0
P/S = 4.1337
P/B = 1.2896
Revenue TTM = 136.6m USD
EBIT TTM = 13.8m USD
EBITDA TTM = 15.0m USD
Long Term Debt = 164.7m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 177.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 6.58m
Net Debt = -200.9m USD (calculated: Debt 177.9m - CCE 378.7m)
Enterprise Value = 146.2m USD (347.1m + Debt 177.9m - CCE 378.7m)
Interest Coverage Ratio = 0.26 (Ebit TTM 13.8m / Interest Expense TTM 52.4m)
EV/FCF = 6.71x (Enterprise Value 146.2m / FCF TTM 21.8m)
FCF Yield = 14.90% (FCF TTM 21.8m / Enterprise Value 146.2m)
FCF Margin = 15.96% (FCF TTM 21.8m / Revenue TTM 136.6m)
Net Margin = 7.67% (Net Income TTM 10.5m / Revenue TTM 136.6m)
Gross Margin = 62.52% ((Revenue TTM 136.6m - Cost of Revenue TTM 51.2m) / Revenue TTM)
Gross Margin QoQ = 51.18% (prev 62.56%)
Tobins Q-Ratio = 0.06 (Enterprise Value 146.2m / Total Assets 2.33b)
Interest Expense / Debt = 29.49% (Interest Expense 52.4m / Debt 177.9m)
Taxrate = 23.90% (3.29m / 13.8m)
NOPAT = 10.5m (EBIT 13.8m * (1 - 23.90%))
Current Ratio = unknown (Total Current Assets 388.8m / Total Current Liabilities 0.0)
Debt / Equity = 0.64 (Debt 177.9m / totalStockholderEquity, last quarter 276.5m)
Debt / EBITDA = -13.38 (Net Debt -200.9m / EBITDA 15.0m)
Debt / FCF = -9.22 (Net Debt -200.9m / FCF TTM 21.8m)
Total Stockholder Equity = 308.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.43% (Net Income 10.5m / Total Assets 2.33b)
RoE = 3.40% (Net Income TTM 10.5m / Total Stockholder Equity 308.2m)
RoCE = 2.91% (EBIT 13.8m / Capital Employed (Equity 308.2m + L.T.Debt 164.7m))
RoIC = 0.71% (EBIT 13.8m / (Assets 2.33b - Curr.Liab 0.0 - Cash 378.7m))
WACC = 12.90% (E(347.1m)/V(524.9m) * Re(8.02%) + D(177.9m)/V(524.9m) * Rd(29.49%) * (1-Tc(0.24)))
Discount Rate = 8.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 87.53 | Cagr: 97.31%
[DCF] Terminal Value 64.69% ; FCFF base≈18.1m ; Y1≈20.7m ; Y5≈30.5m
[DCF] Fair Price = 5.07 (EV 253.4m - Net Debt -200.9m = Equity 454.3m / Shares 89.7m; r=12.90% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: -85.16 | Revenue CAGR: -9.20% | SUE: N/A | # QB: 0