BLUE RIDGE BANKSHARES INC (BRBS) Fundamental Analysis & Valuation

NYSEARCA:BRBS • US0958251052

Current stock price

3.58 USD
+0.06 (+1.7%)
At close:
3.58 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

  • In the past year BRBS was profitable.
  • 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

  • Looking at the Return On Assets, with a value of 0.44%, BRBS is doing worse than 85.90% of the companies in the same industry.
  • BRBS has a Return On Equity of 3.31%. This is amonst the worse of the industry: BRBS underperforms 87.50% 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

  • BRBS has a Profit Margin of 11.63%. This is amonst the worse of the industry: BRBS underperforms 85.90% 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.
  • 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 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

  • BRBS has a debt to FCF ratio of 1.23. This is a very positive value and a sign of high solvency as it would only need 1.23 years to pay back of all of its debts.
  • The Debt to FCF ratio of BRBS (1.23) is better than 61.44% of its industry peers.
  • A Debt/Equity ratio of 0.05 indicates that BRBS is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.05, BRBS belongs to the top of the industry, outperforming 81.12% 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
WACC15.23%
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.
  • The earnings per share for BRBS have been decreasing by -44.39% on average. This is quite bad
  • BRBS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.33%.
  • Measured over the past years, BRBS shows a decrease in Revenue. The Revenue has been decreasing by -1.89% on average per year.
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 32.55, the valuation of BRBS can be described as expensive.
  • BRBS's Price/Earnings ratio is rather expensive when compared to the industry. BRBS is more expensive than 87.50% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, BRBS is valued at the same level.
Industry RankSector Rank
PE 32.55
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 expensively inside the industry as 80.32% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 27.37
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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5

5. BRBS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 24.15%, BRBS is a good candidate for dividend investing.
  • BRBS's Dividend Yield is rather good when compared to the industry average which is at 2.56. 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 1.81.
Industry RankSector Rank
Dividend Yield 24.15%

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.
  • BRBS has decreased its dividend recently.
Dividend Growth(5Y)-2.14%
Div Incr Years1
Div Non Decr Years1
BRBS Yearly Dividends per shareBRBS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • BRBS pays out 210.99% of its income as dividend. This is not a sustainable payout ratio.
  • The Dividend Rate of BRBS has been decling, while earnings will also be 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 (4/24/2026, 8:24:06 PM)

After market: 3.58 0 (0%)

3.58

+0.06 (+1.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23
Earnings (Next)N/A
Inst Owners38.69%
Inst Owner Change0%
Ins Owners24.75%
Ins Owner Change0.31%
Market Cap327.00M
Revenue(TTM)92.08M
Net Income(TTM)10.71M
Analysts0
Price TargetN/A
Short Float %2.34%
Short Ratio4
Dividend
Industry RankSector Rank
Dividend Yield 24.15%
Yearly Dividend0.26
Dividend Growth(5Y)-2.14%
DP210.99%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-13
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 32.55
Fwd PE N/A
P/S 3.55
P/FCF 27.37
P/OCF 24
P/B 1.01
P/tB 1.02
EV/EBITDA N/A
EPS(TTM)0.11
EY3.07%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.13
FCFY3.65%
OCF(TTM)0.15
OCFY4.17%
SpS1.01
BVpS3.54
TBVpS3.51
PEG (NY)N/A
PEG (5Y)N/A
Graham Number2.96157 (-17.27%)
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
WACC15.23%
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 32.55 and the Price/Book (PB) ratio is 1.01.


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%.