BLUE RIDGE BANKSHARES INC (BRBS) Fundamental Analysis & Valuation

NYSEARCA:BRBS • US0958251052

Current stock price

4.2 USD
+0.17 (+4.22%)
At close:
4.2 USD
0 (0%)
After Hours:

This BRBS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. BRBS Profitability Analysis

1.1 Basic Checks

  • BRBS had positive earnings in the past year.
  • BRBS had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: BRBS reported negative net income in multiple years.
  • BRBS had a positive operating cash flow in 4 of the past 5 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 2025 0 50M -50M -100M

1.2 Ratios

  • BRBS has a worse Return On Assets (0.44%) than 84.21% of its industry peers.
  • BRBS's Return On Equity of 3.31% is on the low side compared to the rest of the industry. BRBS is outperformed by 86.05% of its industry peers.
Industry RankSector Rank
ROA 0.44%
ROE 3.31%
ROIC N/A
ROA(3y)-0.59%
ROA(5y)0.22%
ROE(3y)-9.74%
ROE(5y)0.19%
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 2025 0 10 -10 -20

1.3 Margins

  • The Profit Margin of BRBS (11.63%) is worse than 84.21% of its industry peers.
  • In the last couple of years the Profit Margin of BRBS has declined.
  • BRBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 11.63%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.92%
PM growth 5Y-7.82%
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 2025 0 20 -20 -40

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3

2. BRBS Health Analysis

2.1 Basic Checks

  • BRBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BRBS has been increased compared to 1 year ago.
  • The number of shares outstanding for BRBS has been increased compared to 5 years ago.
  • BRBS has a better debt/assets ratio than last year.
BRBS Yearly Shares OutstandingBRBS Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B

2.2 Solvency

  • The Debt to FCF ratio of BRBS is 1.23, which is an excellent value as it means it would take BRBS, only 1.23 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of BRBS (1.23) is better than 62.63% of its industry peers.
  • BRBS has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.05, BRBS belongs to the top of the industry, outperforming 80.79% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1.23
Altman-Z N/A
ROIC/WACCN/A
WACC14.62%
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 2025 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 2025 2M 4M 6M 8M

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1

3. BRBS Growth Analysis

3.1 Past

  • BRBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 125.88%, which is quite impressive.
  • BRBS shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -44.39% yearly.
  • BRBS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.33%.
  • The Revenue has been decreasing by -1.89% on average over the past years.
EPS 1Y (TTM)125.88%
EPS 3Y-57.8%
EPS 5Y-44.39%
EPS Q2Q%269.17%
Revenue 1Y (TTM)-25.33%
Revenue growth 3Y-16.56%
Revenue growth 5Y-1.89%
Sales Q2Q%-4.65%

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 2025 50M 100M 150M

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0

4. BRBS Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 38.18, the valuation of BRBS can be described as expensive.
  • Based on the Price/Earnings ratio, BRBS is valued more expensive than 88.68% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.35. BRBS is valued rather expensively when compared to this.
Industry RankSector Rank
PE 38.18
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

  • 80.00% of the companies in the same industry are cheaper than BRBS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 32.11
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BRBS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.28%, BRBS is a good candidate for dividend investing.
  • BRBS's Dividend Yield is rather good when compared to the industry average which is at 2.66. BRBS pays more dividend than 98.16% of the companies in the same industry.
  • BRBS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 6.28%

5.2 History

  • The dividend of BRBS decreases each year by -2.14%.
  • BRBS has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-2.14%
Div Incr Years0
Div Non Decr Years0
BRBS Yearly Dividends per shareBRBS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 210.99% of the earnings are spent on dividend by BRBS. This is not a sustainable payout ratio.
  • BRBS's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP210.99%
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 2025 0 50M -50M -100M
BRBS Dividend Payout.BRBS Dividend Payout, showing the Payout Ratio.BRBS Dividend Payout.PayoutRetained Earnings

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BRBS Fundamentals: All Metrics, Ratios and Statistics

BLUE RIDGE BANKSHARES INC

NYSEARCA:BRBS (3/31/2026, 8:22:11 PM)

After market: 4.2 0 (0%)

4.2

+0.17 (+4.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners38.57%
Inst Owner Change5.31%
Ins Owners26.31%
Ins Owner Change0.31%
Market Cap383.63M
Revenue(TTM)92.08M
Net Income(TTM)10.71M
Analysts0
Price TargetN/A
Short Float %2.34%
Short Ratio6.67
Dividend
Industry RankSector Rank
Dividend Yield 6.28%
Yearly Dividend0.26
Dividend Growth(5Y)-2.14%
DP210.99%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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 38.18
Fwd PE N/A
P/S 4.17
P/FCF 32.11
P/OCF 28.16
P/B 1.19
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)0.11
EY2.62%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.13
FCFY3.11%
OCF(TTM)0.15
OCFY3.55%
SpS1.01
BVpS3.54
TBVpS3.51
PEG (NY)N/A
PEG (5Y)N/A
Graham Number2.96
Profitability
Industry RankSector Rank
ROA 0.44%
ROE 3.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.63%
GM N/A
FCFM 12.97%
ROA(3y)-0.59%
ROA(5y)0.22%
ROE(3y)-9.74%
ROE(5y)0.19%
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 3Y-12.92%
PM growth 5Y-7.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1.23
Debt/EBITDA N/A
Cap/Depr 73.64%
Cap/Sales 1.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.62%
ROIC/WACCN/A
Cap/Depr(3y)42.75%
Cap/Depr(5y)34.49%
Cap/Sales(3y)1.08%
Cap/Sales(5y)0.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)125.88%
EPS 3Y-57.8%
EPS 5Y-44.39%
EPS Q2Q%269.17%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-25.33%
Revenue growth 3Y-16.56%
Revenue growth 5Y-1.89%
Sales Q2Q%-4.65%
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 1Y273.18%
FCF growth 3Y-49.63%
FCF growth 5YN/A
OCF growth 1Y315.93%
OCF growth 3Y-47.46%
OCF growth 5YN/A

BLUE RIDGE BANKSHARES INC / BRBS Fundamental Analysis 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 of BLUE RIDGE BANKSHARES INC (BRBS) stock?

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


How profitable is BLUE RIDGE BANKSHARES INC (BRBS) stock?

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


Can you provide the PE and PB ratios for BRBS stock?

The Price/Earnings (PE) ratio for BLUE RIDGE BANKSHARES INC (BRBS) is 38.18 and the Price/Book (PB) ratio is 1.19.


How sustainable is the dividend of BLUE RIDGE BANKSHARES INC (BRBS) stock?

The dividend rating of BLUE RIDGE BANKSHARES INC (BRBS) is 5 / 10 and the dividend payout ratio is 210.99%.