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BLUE RIDGE BANKSHARES INC (BRBS) Stock Fundamental Analysis

NYSEARCA:BRBS - US0958251052 - Common Stock

4.05 USD
+0.04 (+1%)
Last: 9/2/2025, 8:04:01 PM
4.05 USD
0 (0%)
After Hours: 9/2/2025, 8:04:01 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BRBS. BRBS was compared to 395 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 has reported negative net income.
In the past year BRBS had a positive cash flow from operations.
In multiple years BRBS reported negative net income over the last 5 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

BRBS has a Return On Assets of -0.01%. This is amonst the worse of the industry: BRBS underperforms 90.38% of its industry peers.
Looking at the Return On Equity, with a value of -0.06%, BRBS is doing worse than 90.63% of the companies in the same industry.
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
The number of shares outstanding for BRBS has been increased compared to 5 years ago.
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

The Debt to FCF ratio of BRBS is 1.98, which is an excellent value as it means it would take BRBS, only 1.98 years of fcf income to pay off all of its debts.
BRBS has a Debt to FCF ratio of 1.98. This is comparable to the rest of the industry: BRBS outperforms 48.86% of its industry peers.
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 76.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.98
Altman-Z N/A
ROIC/WACCN/A
WACC16.29%
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 99.83% over the past year.
BRBS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -30.52%.
The Revenue has been growing by 18.07% on average over the past years. This is quite good.
EPS 1Y (TTM)99.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%105.73%
Revenue 1Y (TTM)-30.52%
Revenue growth 3Y-20.05%
Revenue growth 5Y18.07%
Sales Q2Q%-52.46%

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

Industry RankSector Rank
PE N/A
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

BRBS's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BRBS is more expensive than 76.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 29.71
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 16.84%, which is a nice return.
BRBS's Dividend Yield is rather good when compared to the industry average which is at 3.17. BRBS pays more dividend than 100.00% of the companies in the same industry.
BRBS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 16.84%

5.2 History

On average, the dividend of BRBS grows each year by 10.82%, which is quite nice.
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 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 (9/2/2025, 8:04:01 PM)

After market: 4.05 0 (0%)

4.05

+0.04 (+1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-27 2025-10-27
Inst Owners31.42%
Inst Owner Change17.6%
Ins Owners26.35%
Ins Owner Change7.02%
Market Cap373.13M
Analysts0
Price TargetN/A
Short Float %4.24%
Short Ratio3.48
Dividend
Industry RankSector Rank
Dividend Yield 16.84%
Yearly Dividend0
Dividend Growth(5Y)10.82%
DP0%
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 N/A
Fwd PE N/A
P/S 4.06
P/FCF 29.71
P/OCF 28.5
P/B 1.08
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)0
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.14
FCFY3.37%
OCF(TTM)0.14
OCFY3.51%
SpS1
BVpS3.74
TBVpS3.7
PEG (NY)N/A
PEG (5Y)N/A
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC16.29%
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)99.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%105.73%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-30.52%
Revenue growth 3Y-20.05%
Revenue growth 5Y18.07%
Sales Q2Q%-52.46%
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