Blue Ridge Bankshares stock analysis
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Blue Ridge Bankshares (BRBS) Stock Price & Analysis
BRBS Stock Chart & Stats
- Day’s Range
- $3.99 - $4.07
- 52-Week Range
- $3.23 - $4.68
- Previous Close
- $4.03
- Volume
- N/A
- Average Volume (3M)
- 693.46K
- Market Cap
- $363.21M
- Enterprise Value
- $523.49M
- Total Cash (Recent Filing)
- $364.16M
- Total Debt (Recent Filing)
- $242.30M
- Price to Earnings (P/E)
- ―
- Beta
- 0.55
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Apr 13, 2026
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Positive Cash Generation
Strongly positive operating and free cash flow provides internal funding capacity and supports financial resilience. Although recent growth softened, cash generation roughly matched reported earnings, indicating the current profit inflection is supported by cash rather than only accounting effects.
Return To Profitability
The return from sizable prior losses to a small TTM profit is a meaningful stabilization signal. Even with limited earnings cushion, renewed profitability can improve capital flexibility, support investment in banking operations, and provide a base for future recovery.
Merger Scale Benefits
The proposed all-stock combination would materially expand scale, geographic reach, and the commercial banking footprint. The transaction is projected to be materially accretive to earnings by 2028, creating a potential longer-term platform for stronger operating leverage and competitive positioning.
Bears Say
Weak Revenue And Margins
Declining revenue and a near-breakeven margin leave little earnings protection if operating conditions deteriorate. The sharp margin reduction from 2025 suggests that current profitability is fragile, limiting retained capital, strategic flexibility, and the ability to absorb higher costs or credit pressure.
Rising Leverage And Low ROE
Recent re-leveraging increases balance-sheet risk while very low return on equity indicates that the existing capital base is producing limited earnings. Together, these trends constrain financial flexibility and make it harder for the bank to compound capital internally over the next several quarters.
Uneven Cash-Flow Momentum
Current cash generation is positive, but its uneven history and recent decline reduce confidence that the improvement is durable. Volatile cash conversion can complicate capital planning and leave less dependable internally generated funding for growth, balance-sheet strengthening, or shareholder returns.
Blue Ridge Bankshares News
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Blue Ridge Bankshares Stock Smart Score
Company Description
Blue Ridge Bankshares
Blue Ridge Bankshares, Inc. serves as the holding company for Blue Ridge Bank, National Association, offering a wide array of commercial, consumer, and financial services. Its business operations are structured into distinct Commercial Banking and Mortgage Banking segments. The institution provides various deposit accounts, including checking, savings, money market, cash management, individual retirement accounts (IRAs), and certificates of deposit (CDs). Lending services encompass commercial and industrial loans, residential and commercial mortgages, home equity lines, consumer installment loans, and government-guaranteed financing. Beyond traditional banking, the company furnishes essential services such as wire transfers, direct deposit payroll, remote deposit, payroll processing, and electronic statements, all accessible via online, mobile, and telephone banking platforms. It also offers property and casualty insurance for both individuals and businesses. Furthermore, Blue Ridge Bankshares delivers employee benefit plan administration, manages personal and corporate trusts—including estate planning, settlement, and administration—and provides investment, wealth management, and additional insurance products. The company also supports other financial institutions and credit unions with wholesale and third-party residential mortgage origination. Blue Ridge Bankshares operates branches throughout numerous cities in Virginia, including 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. It also maintains a presence in Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Charlottesville, Virginia.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Harry Golliday
- Employees
- 255
- Website
- www.blueridgebankshares.com
- Address
- 1801 Bayberry Court, Richmond, VA, 23226, US
Blue Ridge Bankshares (BRBS) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 5 | 1 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 12 | 0 | 0 |











