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BLUE RIDGE BANKSHARES INC (BRBS) Stock Fundamental Analysis

USA - NYSEARCA:BRBS - US0958251052 - Common Stock

4.65 USD
-0.04 (-0.85%)
Last: 11/6/2025, 8:04:00 PM
4.65 USD
0 (0%)
After Hours: 11/6/2025, 8:04:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BRBS. BRBS was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of BRBS have multiple concerns. BRBS has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year BRBS was profitable.
In the past year BRBS had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: BRBS reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: BRBS reported negative operating cash flow in multiple years.
BRBS Yearly Net Income VS EBIT VS OCF VS FCFBRBS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

1.2 Ratios

With a Return On Assets value of -0.01%, BRBS is not doing good in the industry: 89.49% of the companies in the same industry are doing better.
BRBS has a worse Return On Equity (-0.06%) than 89.74% of its industry peers.
Industry RankSector Rank
ROA -0.01%
ROE -0.06%
ROIC N/A
ROA(3y)-0.44%
ROA(5y)0.36%
ROE(3y)-7.1%
ROE(5y)2.81%
ROIC(3y)N/A
ROIC(5y)N/A
BRBS Yearly ROA, ROE, ROICBRBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for BRBS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BRBS Yearly Profit, Operating, Gross MarginsBRBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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3

2. Health

2.1 Basic Checks

BRBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BRBS has more shares outstanding
Compared to 5 years ago, BRBS has more shares outstanding
Compared to 1 year ago, BRBS has an improved debt to assets ratio.
BRBS Yearly Shares OutstandingBRBS Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
BRBS Yearly Total Debt VS Total AssetsBRBS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

BRBS has a debt to FCF ratio of 1.98. This is a very positive value and a sign of high solvency as it would only need 1.98 years to pay back of all of its debts.
BRBS has a Debt to FCF ratio (1.98) which is comparable to the rest of the industry.
BRBS has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
BRBS's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. BRBS outperforms 76.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.98
Altman-Z N/A
ROIC/WACCN/A
WACC15.42%
BRBS Yearly LT Debt VS Equity VS FCFBRBS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BRBS Yearly Current Assets VS Current LiabilitesBRBS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 105.82% over the past year.
The Revenue for BRBS has decreased by -27.06% in the past year. This is quite bad
The Revenue has been growing by 18.07% on average over the past years. This is quite good.
EPS 1Y (TTM)105.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%417.43%
Revenue 1Y (TTM)-27.06%
Revenue growth 3Y-20.05%
Revenue growth 5Y18.07%
Sales Q2Q%4.19%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BRBS Yearly Revenue VS EstimatesBRBS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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0

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 116.25, the valuation of BRBS can be described as expensive.
87.44% of the companies in the same industry are cheaper than BRBS, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BRBS to the average of the S&P500 Index (25.67), we can say BRBS is valued expensively.
Industry RankSector Rank
PE 116.25
Fwd PE N/A
BRBS Price Earnings VS Forward Price EarningsBRBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BRBS is valued a bit more expensive than 78.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 34.11
EV/EBITDA N/A
BRBS Per share dataBRBS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

BRBS has a Yearly Dividend Yield of 5.33%, which is a nice return.
Compared to an average industry Dividend Yield of 3.42, BRBS pays a better dividend. On top of this BRBS pays more dividend than 89.23% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, BRBS pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.33%

5.2 History

The dividend of BRBS is nicely growing with an annual growth rate of 10.82%!
BRBS has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)10.82%
Div Incr Years0
Div Non Decr Years0
BRBS Yearly Dividends per shareBRBS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
BRBS Yearly Income VS Free CF VS DividendBRBS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

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BLUE RIDGE BANKSHARES INC

NYSEARCA:BRBS (11/6/2025, 8:04:00 PM)

After market: 4.65 0 (0%)

4.65

-0.04 (-0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-04 2025-11-04
Earnings (Next)01-28 2026-01-28
Inst Owners36.7%
Inst Owner Change-0.19%
Ins Owners26.12%
Ins Owner Change0.19%
Market Cap428.40M
Revenue(TTM)92.90M
Net Income(TTM)-195000
Analysts0
Price TargetN/A
Short Float %2.98%
Short Ratio5.52
Dividend
Industry RankSector Rank
Dividend Yield 5.33%
Yearly Dividend0
Dividend Growth(5Y)10.82%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date11-07 2025-11-07 (0.25)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 116.25
Fwd PE N/A
P/S 4.66
P/FCF 34.11
P/OCF 32.73
P/B 1.24
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)0.04
EY0.86%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.14
FCFY2.93%
OCF(TTM)0.14
OCFY3.06%
SpS1
BVpS3.74
TBVpS3.7
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.83
Profitability
Industry RankSector Rank
ROA -0.01%
ROE -0.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 13.67%
ROA(3y)-0.44%
ROA(5y)0.36%
ROE(3y)-7.1%
ROE(5y)2.81%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.98
Debt/EBITDA N/A
Cap/Depr 21.92%
Cap/Sales 0.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15.42%
ROIC/WACCN/A
Cap/Depr(3y)22.54%
Cap/Depr(5y)54.16%
Cap/Sales(3y)0.57%
Cap/Sales(5y)1.08%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)105.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%417.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-27.06%
Revenue growth 3Y-20.05%
Revenue growth 5Y18.07%
Sales Q2Q%4.19%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y124.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y102.49%
OCF growth 3YN/A
OCF growth 5YN/A

BLUE RIDGE BANKSHARES INC / BRBS FAQ

What is the ChartMill fundamental rating of BLUE RIDGE BANKSHARES INC (BRBS) stock?

ChartMill assigns a fundamental rating of 2 / 10 to BRBS.


What is the valuation status for BRBS stock?

ChartMill assigns a valuation rating of 0 / 10 to BLUE RIDGE BANKSHARES INC (BRBS). This can be considered as Overvalued.


What is the profitability of BRBS stock?

BLUE RIDGE BANKSHARES INC (BRBS) has a profitability rating of 1 / 10.


What are the PE and PB ratios of BLUE RIDGE BANKSHARES INC (BRBS) stock?

The Price/Earnings (PE) ratio for BLUE RIDGE BANKSHARES INC (BRBS) is 116.25 and the Price/Book (PB) ratio is 1.24.


Can you provide the financial health for BRBS stock?

The financial health rating of BLUE RIDGE BANKSHARES INC (BRBS) is 3 / 10.