Blue Ridge Bankshares AI Stock Analysis
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Blue Ridge Bankshares (BRBS) AI Stock Analysis
Blue Ridge Bankshares
(NYSE MKT:BRBS)
The overall score of 52 reflects a company in transition with a binary outcome. The primary positive driver is the strategic merger with HomeTrust, which provides a clear catalyst for future value creation. This is supported by a stabilizing financial foundation, with improved balance sheet health and positive cash flow. However, these strengths are heavily counterbalanced by extremely weak current profitability and a negative P/E ratio, which underscore the bank's fragile standalone earnings power. The stock's technical trend is positive, likely pricing in the merger's potential, but the lack of current earnings and dividends remains a significant risk.
Blue Ridge Bankshares (BRBS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $361.44M
- Dividend Yield
- ―
- Average Volume (3M)
- 1.13M
- Price to Earnings (P/E)
- -1446.4
- Beta (1Y)
- 0.55
- Revenue Growth
- -16.70%
- EPS Growth
- -108.21%
- Country
- US
- Employees
- 255
- 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
BRBS primarily makes money through its subsidiary bank by earning interest income on loans and investment securities and paying interest on deposits and other funding sources; the difference is its net interest income, which is typically the largest...
Blue Ridge Bankshares Financial Statement Overview
Summary
Financial performance is mixed. The balance sheet has significantly improved through deleveraging, and cash flow has rebounded to positive territory. However, these strengths are offset by a multi-year revenue decline, razor-thin net profit margins, and a near-zero return on equity, indicating the bank is barely profitable despite a stronger capital base.
Income Statement
35NegativeBalance Sheet
55NeutralCash Flow
60Neutral| 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 | 19.90M | 11.95M | -6.90M | 43.09M | 93.48M | 58.00M |
| Operating Cash Flow | 21.47M | 13.63M | -6.31M | 44.06M | 93.93M | 59.21M |
| Investing Cash Flow | 65.04M | 241.86M | 419.03M | -23.21M | -628.18M | 52.48M |
| Financing Cash Flow | -147.55M | -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 4.05 is above the 20-day moving average (MA) of 4.01, above the 50-day MA of 3.96, and above the 200-day MA of 3.63, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 54.23 is Neutral, neither overbought nor oversold. The STOCH value of 48.12 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
3 New RisksBlue Ridge Bankshares Peers Comparison
Overall Rating
BMRC85Outperform
BSRR82Outperform
CIVB78Outperform
FRBA71Outperform
CWBC70Outperform- BRBS52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BMRC | 85Outperform | $462.41M | 6.75 | 17.18% | 3.51% | -18.89% | -221.07% |
| BSRR | 82Outperform | $545.37M | 10.82 | 13.89% | 2.51% | -1.49% | 34.62% |
| CIVB | 78Outperform | $594.85M | 10.26 | 10.40% | 2.52% | 4.90% | 3.97% |
| FRBA | 71Outperform | $489.39M | 11.35 | 9.52% | 1.97% | 1.35% | 3.54% |
| CWBC | 70Outperform | $695.82M | 16.00 | 6.56% | 1.89% | 22.77% | -11.24% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BRBS | 52Neutral | $361.42M | -1446.43 | 0.25% | ― | -16.70% | -108.21% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BRBS | Blue Ridge Bankshares | 4.05 | 0.55 | 15.65% | |
| BMRC | Bank Of Marin | 28.50 | 4.04 | 16.53% | |
| CWBC | Community West Bancshares | 25.43 | 4.71 | 22.73% | |
| CIVB | Civista Bancshares | 28.62 | 7.82 | 37.60% | |
| BSRR | Sierra Bancorp | 42.19 | 14.30 | 51.26% | |
| FRBA | First Bank | 19.75 | 4.95 | 33.44% |
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...
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: Nov 06, 2026