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Blue Ridge Bankshares
(BRBS)
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Rating:58Neutral
Price Target:
$4.00
▲(14.61% Upside)
Action:Reiterated
Date:08/18/26
BRBS scores as a mid-range opportunity primarily because financial performance is improving but still constrained by modest returns, declining revenue, and uneven cash-flow momentum. Technicals are supportive with price strength and positive MACD, but overbought signals raise near-term risk. Valuation is a key headwind due to the high P/E, while the pending all-stock merger is a supportive corporate catalyst if approvals and integration proceed as planned.
Positive Factors
Return to Profitability
The return to profitability indicates that restructuring or operating improvements are gaining traction. Sustained positive earnings should strengthen internal capital generation and improve the bank’s ability to fund growth, absorb credit losses, and support the planned strategic combination.
Negative Factors
Declining Revenue
A shrinking top line limits operating leverage and indicates that loan growth, earning-asset balances, or fee generation remain under pressure. Without renewed revenue expansion, fixed costs and credit expenses could weigh disproportionately on future earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to Profitability
The return to profitability indicates that restructuring or operating improvements are gaining traction. Sustained positive earnings should strengthen internal capital generation and improve the bank’s ability to fund growth, absorb credit losses, and support the planned strategic combination.
Read all positive factors
Blue Ridge Bankshares (BRBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$358.76M
Dividend YieldN/A
Average Volume (3M)302.25K
Price to Earnings (P/E)37.3
Beta (1Y)0.74
Revenue Growth-10.98%
EPS GrowthN/A
CountryUS
Employees269
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.11
Shares Outstanding89,688,850
10 Day Avg. Volume294,236
30 Day Avg. Volume302,250
Financial Highlights & Ratios
PEG Ratio-0.29
Price to Book (P/B)1.40
Price to Sales (P/S)3.01
P/FCF Ratio37.92
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Blue Ridge Bankshares Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Blue Ridge Bankshares primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between (1) interest income on loans and other interest-earning asse...
Blue Ridge Bankshares Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 136.57M | 150.61M | 173.89M | 197.37M | 169.74M | 190.53M |
| Gross Profit | 85.38M | 95.70M | 97.33M | 99.09M | 126.97M | 179.35M |
| EBITDA | 15.10M | 15.02M | -13.89M | -55.85M | 25.70M | 72.18M |
| Net Income | 10.48M | 10.71M | -15.38M | -51.77M | 17.33M | 52.48M |
Balance Sheet | ||||||
| Total Assets | 2.33B | 2.43B | 2.74B | 3.12B | 3.13B | 2.67B |
| Cash, Cash Equivalents and Short-Term Investments | 378.71M | 448.88M | 485.57M | 431.57M | 431.62M | 504.08M |
| Total Debt | 171.27M | 179.18M | 198.40M | 259.47M | 359.48M | 57.75M |
| Total Liabilities | 2.05B | 2.11B | 2.41B | 2.93B | 2.88B | 2.39B |
| Stockholders Equity | 276.49M | 323.69M | 327.79M | 185.99M | 248.79M | 276.91M |
Cash Flow | ||||||
| Free Cash Flow | 21.79M | 11.95M | -6.90M | 43.09M | 93.48M | 58.00M |
| Operating Cash Flow | 23.32M | 13.63M | -6.31M | 44.06M | 93.93M | 59.21M |
| Investing Cash Flow | 149.69M | 241.86M | 419.03M | -23.21M | -628.18M | 52.48M |
| Financing Cash Flow | -242.52M | -315.52M | -357.88M | 23.03M | 480.98M | -99.09M |
Blue Ridge Bankshares Technical Analysis
Positive
3.49
Price Trends
3.53
Positive
3.48
Positive
3.56
Positive
Market Momentum
0.11
Negative
69.08
Neutral
78.77
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 3.49 is below the 20-day moving average (MA) of 3.67, below the 50-day MA of 3.53, and below the 200-day MA of 3.56, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 69.08 is Neutral, neither overbought nor oversold. The STOCH value of 78.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BRBS.
Blue Ridge Bankshares Risk Analysis
Blue Ridge Bankshares disclosed 43 risk factors in its most recent earnings report. Blue Ridge Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Blue Ridge Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $456.03M | 6.87 | 15.91% | 3.48% | -20.46% | -308.00% | |
73 Outperform | $589.42M | 10.50 | 10.05% | 2.45% | 4.88% | 6.47% | |
73 Outperform | $529.04M | 11.86 | 12.38% | 2.44% | -1.11% | 17.59% | |
73 Outperform | $476.55M | 11.02 | 9.57% | 1.67% | 4.37% | 12.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $704.87M | 13.97 | 7.90% | 1.92% | 12.91% | 33.31% | |
58 Neutral | $358.76M | 37.31 | 3.40% | ― | -10.98% | ― |
* Financial Sector Average
BRBS
Blue Ridge Bankshares
3.94
0.95
31.77%
BMRC
Bank Of Marin Bancorp
27.13
4.90
22.07%
CWBC
Community West Bancshares
25.81
6.02
30.41%
CIVB
Civista Bancshares
27.49
7.98
40.89%
BSRR
Sierra Bancorp
39.72
11.31
39.80%
FRBA
First Bank
18.12
2.48
15.87%
Blue Ridge Bankshares Corporate Events
Business Operations and StrategyM&A Transactions
Blue Ridge Bankshares Announces All-Stock Merger with HomeTrust
Positive
Aug 17, 2026
On August 16, 2026, Blue Ridge Bankshares and HomeTrust Bancshares agreed a two-step merger under which Blue Ridge will ultimately be combined into HomeTrust in an all-stock deal, followed by the merger of their bank subsidiaries. Blue Ridge share...
Executive/Board ChangesShareholder Meetings
Blue Ridge Bankshares Shareholders Approve Directors and Auditor
Positive
Jun 18, 2026
On June 17, 2026, Blue Ridge Bankshares, Inc. held its 2026 Annual Meeting of Shareholders, where investors voted on the election of five directors to one-year terms ending at the 2027 annual meeting and on the ratification of the company’s ...
Business Operations and StrategyExecutive/Board Changes
Blue Ridge Bankshares Announces Operations Leadership Transition
Neutral
May 28, 2026
Blue Ridge Bankshares, Inc., the bank holding company for Blue Ridge Bank, National Association, operates in the financial services industry, providing commercial and retail banking solutions to a diverse customer base. The Company delivers tradit...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.