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Blue Ridge Bankshares (BRBS) AI Stock Analysis
Blue Ridge Bankshares
(NYSE MKT:BRBS)
The overall score reflects a company in transition. The primary driver is the pending merger with HomeTrust, which provides a strategic upside. This is balanced by weak financial performance metrics, including declining revenue and low profitability, and an expensive valuation. Positive technical momentum supports the stock in the near term.
Blue Ridge Bankshares (BRBS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $352.47M
- Dividend Yield
- ―
- Average Volume (3M)
- 1.12M
- Price to Earnings (P/E)
- -1403.6
- Beta (1Y)
- 0.72
- Revenue Growth
- -16.70%
- EPS Growth
- -108.21%
- Country
- US
- Employees
- 269
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 Mo...
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 assets...
Blue Ridge Bankshares Financial Statement Overview
Summary
Financial performance is mixed. The company returned to profitability with strong cash conversion, but revenue declined 5.1% and return on equity is low at 3.4%. The balance sheet is stable with reduced debt, but the lack of top-line growth and margin pressure weigh on the score.
Income Statement
48NeutralBalance Sheet
52NeutralCash Flow
50Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 128.49M | 150.61M | 173.89M | 197.37M | 169.74M | 190.53M |
| Gross Profit | 69.39M | 95.70M | 97.33M | 99.09M | 126.97M | 179.35M |
| EBITDA | 15.02M | 16.05M | -13.89M | -55.85M | 25.70M | 72.18M |
| Net Income | 713.00K | 10.71M | -15.38M | -51.77M | 17.33M | 52.48M |
Balance Sheet | ||||||
| Total Assets | 2.34B | 2.43B | 2.74B | 3.12B | 3.13B | 2.67B |
| Cash, Cash Equivalents and Short-Term Investments | 364.16M | 448.88M | 485.57M | 431.57M | 431.62M | 504.08M |
| Total Debt | 242.30M | 179.18M | 198.40M | 259.47M | 359.48M | 57.75M |
| Total Liabilities | 2.08B | 2.11B | 2.41B | 2.93B | 2.88B | 2.39B |
| Stockholders Equity | 267.59M | 323.69M | 327.79M | 185.99M | 248.79M | 276.91M |
Cash Flow | ||||||
| Free Cash Flow | 16.06M | 11.95M | -6.90M | 43.09M | 93.48M | 58.00M |
| Operating Cash Flow | 16.89M | 13.63M | -6.31M | 44.06M | 93.93M | 59.21M |
| Investing Cash Flow | 94.67M | 241.86M | 419.03M | -23.21M | -628.18M | 52.48M |
| Financing Cash Flow | -170.90M | -315.52M | -357.88M | 23.03M | 480.98M | -99.09M |
Blue Ridge Bankshares Technical Analysis
Price Trends
Market Momentum
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 4.00 is above the 20-day moving average (MA) of 3.95, above the 50-day MA of 3.94, and above the 200-day MA of 3.62, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 48.32 is Neutral, neither overbought nor oversold. The STOCH value of 28.07 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.
Latest Risks Added
0 New RisksBlue Ridge Bankshares Peers Comparison
Overall Rating
BSRR82Outperform
CIVB80Outperform
BMRC76Outperform
CWBC75Outperform
FRBA71Outperform- BRBS57Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BSRR | 82Outperform | $543.29M | 10.74 | 13.89% | 2.53% | -1.49% | 34.62% |
| CIVB | 80Outperform | $584.70M | 10.12 | 10.40% | 2.52% | 4.90% | 3.97% |
| BMRC | 76Outperform | $460.53M | 6.72 | 17.18% | 3.52% | -18.89% | -221.07% |
| CWBC | 75Outperform | $699.80M | 16.22 | 6.56% | 1.86% | 22.77% | -11.24% |
| FRBA | 71Outperform | $480.72M | 11.16 | 9.52% | 1.70% | 1.35% | 3.54% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BRBS | 57Neutral | $352.47M | -1403.57 | 0.25% | ― | -16.70% | -108.21% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BRBS | Blue Ridge Bankshares | 3.93 | 0.19 | 4.97% | |
| BMRC | Bank Of Marin | 28.37 | 3.62 | 14.62% | |
| CWBC | Community West Bancshares | 25.79 | 4.90 | 23.49% | |
| CIVB | Civista Bancshares | 28.23 | 7.25 | 34.56% | |
| BSRR | Sierra Bancorp | 41.90 | 14.02 | 50.30% | |
| FRBA | First Bank | 19.42 | 4.04 | 26.24% |
Blue Ridge Bankshares Corporate Events
Blue Ridge Bankshares Announces All-Stock Merger with HomeTrust
PositiveOn 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 sharehol...
Blue Ridge Bankshares Shareholders Approve Directors and Auditor
PositiveOn 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 ind...
Blue Ridge Bankshares Announces Operations Leadership Transition
NeutralBlue 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 tradition...
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.
Date of analysis: Aug 18, 2026