Blue Ridge Bankshares Inc (BRBS)
XASE:BRBS
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Blue Ridge Bankshares
(NYSE MKT:BRBS)
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Rating:59Neutral
Price Target:
$3.50
▼(-19.54% Downside)
Action:Reiterated
Date:06/18/26
The score is driven primarily by improved financial performance—profitability has recovered and TTM cash generation is strong—tempered by shrinking revenue and modest ROE. Technical signals are neutral-to-soft (below longer-term moving averages with slightly negative MACD), and valuation is less favorable given a 24.41 P/E with no dividend yield data to offset. Corporate actions are mildly positive due to governance stability and the special dividend.
Positive Factors
Free Cash Flow Strength
Material TTM free cash flow (~$30.6M) and operating cash flow (~$32.2M) indicate the bank is converting earnings into liquidity. Robust cash generation improves coverage for loan loss reserves, funds capital returns (special dividend) and supports investment without immediate external financing, strengthening medium-term financial flexibility.
Negative Factors
Declining Revenue
Persistent top-line decline (TTM revenue down ~4.4%) undermines the sustainability of the earnings recovery. If loan originations, interest-bearing assets or fee income do not stabilize, margin gains and cash flow improvements could prove temporary, pressuring earnings durability and growth prospects over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Free Cash Flow Strength
Material TTM free cash flow (~$30.6M) and operating cash flow (~$32.2M) indicate the bank is converting earnings into liquidity. Robust cash generation improves coverage for loan loss reserves, funds capital returns (special dividend) and supports investment without immediate external financing, strengthening medium-term financial flexibility.
Read all positive factors
Blue Ridge Bankshares (BRBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$301.20M
Dividend YieldN/A
Average Volume (3M)302.25K
Price to Earnings (P/E)24.7
Beta (1Y)0.80
Revenue Growth-10.96%
EPS GrowthN/A
CountryUS
Employees416
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.13
Shares Outstanding89,911,710
10 Day Avg. Volume294,236
30 Day Avg. Volume302,250
Financial Highlights & Ratios
PEG Ratio-0.31
Price to Book (P/B)1.40
Price to Sales (P/S)3.01
P/FCF Ratio37.92
Enterprise Value/Market Cap1.07
Enterprise Value/Revenue2.24
Enterprise Value/Gross Profit3.45
Enterprise Value/Ebitda18.26
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
62
Positive
Balance Sheet
58
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 143.92M | 150.61M | 173.89M | 197.37M | 169.74M | 190.53M |
| Gross Profit | 93.49M | 95.70M | 97.33M | 99.09M | 126.97M | 179.35M |
| EBITDA | 17.67M | 15.02M | -13.89M | -55.85M | 25.70M | 72.18M |
| Net Income | 11.98M | 10.71M | -15.38M | -51.77M | 17.33M | 52.48M |
Balance Sheet | ||||||
| Total Assets | 2.41B | 2.43B | 2.74B | 3.12B | 3.13B | 2.67B |
| Cash, Cash Equivalents and Short-Term Investments | 146.61M | 448.88M | 485.57M | 431.57M | 431.62M | 504.08M |
| Total Debt | 171.61M | 179.18M | 198.40M | 259.47M | 359.48M | 57.75M |
| Total Liabilities | 2.14B | 2.11B | 2.41B | 2.93B | 2.88B | 2.39B |
| Stockholders Equity | 276.96M | 323.69M | 327.79M | 185.99M | 248.79M | 276.91M |
Cash Flow | ||||||
| Free Cash Flow | 30.14M | 11.95M | -6.90M | 43.09M | 93.48M | 58.00M |
| Operating Cash Flow | 32.25M | 13.63M | -6.31M | 44.06M | 93.93M | 59.21M |
| Investing Cash Flow | 232.46M | 250.06M | 419.03M | -23.21M | -628.18M | 52.48M |
| Financing Cash Flow | -290.73M | -315.52M | -357.88M | 23.03M | 480.98M | -99.09M |
Blue Ridge Bankshares Technical Analysis
Neutral
4.35
Price Trends
3.38
Negative
3.46
Negative
3.53
Negative
Market Momentum
-0.01
Negative
54.28
Neutral
54.38
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 3.29, above the 50-day MA of 3.38, and above the 200-day MA of 3.53, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 54.28 is Neutral, neither overbought nor oversold. The STOCH value of 54.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 | $417.86M | 8.74 | 11.26% | 3.76% | -30.41% | -412.21% | |
77 Outperform | $558.03M | 10.89 | 10.21% | 2.96% | 4.52% | 19.77% | |
74 Outperform | $683.51M | 11.61 | 10.30% | 2.12% | 6.30% | 234.95% | |
72 Outperform | $516.76M | 11.22 | 12.67% | 3.03% | -0.15% | 20.73% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $418.99M | 9.92 | 9.60% | 1.41% | 7.99% | 8.25% | |
59 Neutral | $301.20M | 24.71 | 3.68% | ― | -10.96% | ― |
* Financial Sector Average
BRBS
Blue Ridge Bankshares
3.35
0.66
24.54%
BMRC
Bank Of Marin Bancorp
25.81
5.14
24.89%
CWBC
Community West Bancshares
25.19
7.43
41.83%
CIVB
Civista Bancshares
26.85
5.57
26.16%
BSRR
Sierra Bancorp
39.51
13.06
49.36%
FRBA
First Bank
16.67
2.32
16.13%
Blue Ridge Bankshares Corporate Events
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...
Executive/Board Changes
Blue Ridge Bankshares Raises Interim CEO Compensation Package
Positive
Apr 20, 2026
Blue Ridge Bankshares, Inc. has adjusted the compensation package of Interim Chief Executive Officer and Interim President Harry Golliday, who also serves as Interim CEO of Blue Ridge Bank, National Association. Effective April 15, 2026, his annua...
Business Operations and StrategyDividends
Blue Ridge Bankshares Declares Special Cash Dividend, Adjusts Warrants
Positive
Mar 30, 2026
Blue Ridge Bankshares, Inc. amended and restated its outstanding common stock warrants effective March 28, 2026, with board and majority warrant-holder approval. The revised terms reduce the per-share exercise price of the warrants by the per-shar...
Executive/Board Changes
Blue Ridge Bankshares Elevates Interim CEO to Board
Neutral
Mar 24, 2026
On March 18, 2026, Blue Ridge Bankshares, Inc. appointed Interim Chief Executive Officer and Interim President Harry Golliday to its Board of Directors, and simultaneously named him to the board of its banking subsidiary, Blue Ridge Bank, National...
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.