Blue Ridge Bankshares, Inc.

BRBS Financial Banks Regional

Blue Ridge Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $150.6 million, down 13.4% from fiscal 2024. In the quarter to June 2026, revenue fell 19.4%, EPS fell 199.3%, free cash flow fell 84.9% and total debt fell 5.85%, each against the same quarter a year earlier.

3.99 0.04 +1.01%
Market cap
$349.1M
P/E
37.9×
Fwd P/E
—
Dividend yield
0.00%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 29.69%

Capital & Financial Ratios $m

Market Cap 349.07
Revenue 136.56
Net Income 9.39
Free Cash Flow 22.40
Net Debt 100.64
Current Ratio 1.02
Debt/Equity 0.60
P/E ratio 37.86 (above 35: high)
Fwd P/E —
P/S ratio 2.59
P/B ratio 1.28
Past 5Y EPS Growth (44.42%) (below 0%: weak)
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 90.60%
10-year low 10-year high
P/S against its own 10 years 99.00%
10-year low 10-year high
P/B against its own 10 years 98.03%
10-year low 10-year high

Dividends

Payout Ratio 0.00
Annual Dividend Rate 0.00
Annual Dividend Yield 0.00%
total individual payouts
2023 0.25
0.12
0.12
2022 0.49
0.12
0.12
0.12
0.12
2021 0.40
0.06
0.10
0.12
0.12
2020 0.19
0.06
0.06
0.06
2019 0.43
0.06
0.14
0.10
0.06
0.06
2018 0.38
0.05
0.06
0.06
0.14
0.06
2017 0.24
0.08
0.05
0.04
0.04
0.04
2016 0.23
0.08
0.05
0.03
0.03
0.03
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 126 177 118 64
Receivables — — — —
Inventory — — — —
Other — — — —
2,582 2,309 1,990 1,906
2023 2024 2025 Q'26
Payables 2,566 2,179 1,911 1,862
ST’ Debt — — — —
Other — — — —
2,566 2,179 1,911 1,862

Compound Annual Growth %

10y 5y 3y
Sales — 6.43% (3.91%)
Cash Flow — 0.00% (47.46%)
Earnings — (9.56%) (14.83%)
Book Value — 24.50% 9.17%

Revenue $m

Mar Jun Sep Dec Year
’26 32 31 — — —
’25 38 38 40 34 151
’24 50 41 42 41 174
’23 48 52 50 47 197
’22 50 36 41 42 170
’21 38 70 37 45 191
’20 — 27 32 32 110
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 15 2 — — —
’25 (4) 11 6 0 14
’24 (8) (5) 24 (18) (6)
’23 10 12 1 20 44
’22 95 15 13 (29) 94
’21 36 (28) 6 46 59
’20 — 1 (117) 9 (108)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 15 2 — — —
’25 (4) 11 6 0 13
’24 (2) (10) 42 1 31
’23 10 13 1 20 44
’22 95 17 13 (29) 96
’21 36 (29) 6 46 59
’20 — 1 (119) 9 (111)
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.01 (0.01) — — —
’25 0.00 0.01 0.06 0.04 0.11
’24 (0.15) (0.47) 0.01 (0.03) (0.31)
’23 0.21 (0.46) (2.18) (0.30) (2.73)
’22 0.95 0.06 0.15 0.33 1.47
’21 0.28 1.54 0.36 0.68 2.94
’20 — 0.73 0.59 0.65 2.07
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 7.11 9.02 11.17 11.00 8.94 11.75 11.71 2.05 2.33 2.92

Analyst estimates 2026–2028

Powerpack
High 10.67 13.33 18.00 15.33 14.67 19.22 18.50 13.00 3.69 4.79
People
People Employees — — — — 386 556 535 534 434 302
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.29 0.34 0.32 0.37 0.40 0.50
Income, $m
Income, $m Revenue 13 22 27 40 110 191 170 197 174 151
Gross margin, % 0.00 0.00 0.00 0.00 90.98 94.19 89.93 61.52 53.04 60.88
EBT 1 5 6 6 23 68 22 (59) (17) 14
EBT margin, % 9.67 24.14 20.87 13.89 20.55 35.88 13.08 (29.81) (9.49) 9.15
Net income 1 3 5 5 18 53 17 (52) (15) 11
Depreciation — — — — 3 2 3 30 2 1
Per share, $
Per share, $ Revenue 3.84 5.43 6.57 6.46 12.92 10.68 9.02 10.42 3.54 1.72
Earnings 0.21 0.81 1.09 0.74 2.07 2.94 1.47 (2.73) (0.31) 0.11
Cash flow (0.63) 11.06 (1.25) (0.71) (12.69) 3.32 4.99 2.33 (0.13) 0.16
Capex 0.00 0.00 0.00 0.00 (0.27) (0.04) 0.09 0.00 0.75 0.00
Free cash flow (0.63) 11.06 (1.25) (0.71) (12.96) 3.28 5.09 2.33 0.62 0.15
Book value 10.18 8.72 9.36 14.79 12.68 15.53 13.23 9.82 6.67 3.69
Shares, m 3 4 4 6 9 18 19 19 49 88
Valuation, ×
Valuation, × P/E 6.50 6.50 6.50 6.50 6.50 6.26 8.22 0.00 0.00 35.67
P/S 0.00 0.00 0.00 0.00 0.00 1.68 1.36 0.30 0.91 2.49
P/B 0.00 0.00 0.00 0.00 0.94 1.15 0.93 0.32 0.48 1.16
EV/Sales 0.00 0.00 0.00 0.00 0.00 1.12 2.97 1.26 0.99 2.81
EV/FCF 0.00 0.00 0.00 0.00 0.00 3.65 5.27 5.65 5.62 31.34
Cash, $m
Cash, $m Operating cash flow (2) 46 (5) (4) (108) 59 94 44 (6) 14
Capex (2) (3) (2) (2) (2) (1) 2 0 37 0
Free cash flow (2) 46 (5) (4) (111) 59 96 44 31 13
Balance, $m
Balance, $m Working capital — — — — 55 (227) 26 16 130 78
Total debt 43 46 83 141 421 68 352 315 190 165
Net debt 43 46 83 141 302 (106) 273 189 13 47
Shareholders’ equity 34 36 39 92 108 277 249 186 328 324
Returns, %
Returns, % ROA 0.16 0.80 0.95 0.61 1.44 2.52 0.60 (1.66) (0.53) 0.41
ROIC 0.00 0.00 0.00 0.00 3.81 29.38 2.66 (9.80) (3.03) 2.32
ROE 1.97 9.57 12.16 6.99 17.68 27.24 6.59 (23.82) (5.99) 3.29
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Blue Ridge Bankshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NWFL Norwood Financial Corp. $364.8M 11.7× 10.1× +28.48% (above 0%: growing) +28.36% (above 0%: growing) +65.58% (above 0%: growing) 68.32% 0.00% Compare
WSBF Waterstone Financial, Inc. $357.2M 11.5× 11.0× +1.53% (above 0%: growing) +13.95% (above 0%: growing) +124.33% (above 0%: growing) 74.78% 0.00% Compare
TSBK Timberland Bancorp, Inc. $352.9M 11.4× — +4.36% (above 0%: growing) +10.00% (above 0%: growing) −24.92% (below 0%: shrinking) 73.48% 0.00% Compare
FSBW FS Bancorp, Inc. $350.9M 10.1× 9.4× +3.60% (above 0%: growing) +6.00% (above 0%: growing) +778.44% (above 0%: growing) 69.52% 0.00% Compare
BRBS Blue Ridge Bankshares, Inc. $349.1M 37.9× — −19.39% (below 0%: shrinking) n/m −84.87% (below 0%: shrinking) 59.82% 0.00%
BCML Bay Commercial Bank $338.1M 26.0× 13.8× −3.52% (below 0%: shrinking) n/m −19.47% (below 0%: shrinking) 74.74% 0.00% Compare
AVBH Avidbank Holdings Inc. $337.8M — (loss-making) 9.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
FDBC Fidelity D&D Bancorp Inc. $336.0M 11.0× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00% Compare
CFFI C&F Financial Corporation $334.0M 11.4× — +10.31% (above 0%: growing) +10.97% (above 0%: growing) +549.86% (above 0%: growing) 78.40% 0.00% Compare
Median of peers $344.5M 11.4× 10.6× +5.14% +10.97% +136.52% 72.01% 0.00%

All 323 Banks Regional stocks →

Blue Ridge Bankshares, Inc. (BRBS) key facts

  • Concern: Blue Ridge Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $150.6 million, down 13.4% from fiscal 2024.
  • Blue Ridge Bankshares, Inc. (BRBS) is a Banks Regional company in the Financial sector, listed on NYSE American.
  • As of October 16, 2026, BRBS traded at $3.99, a market capitalization of $349.1 million.
  • Return on equity was 3.29% and debt-to-equity 0.60.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Blue Ridge Bankshares, Inc. (BRBS) Latest News

stockrow.com/BRBS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com