(BRBS) Blue Ridge Bankshares - Overview
Stock: Loans, Deposits, Mortgages, Treasury, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.66% |
| Yield on Cost 5y | 2.18% |
| Yield CAGR 5y | -17.24% |
| Payout Consistency | 81.9% |
| Payout Ratio | 3.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 36.7% |
| Relative Tail Risk | -24.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.80 |
| Alpha | 18.13 |
| Character TTM | |
|---|---|
| Beta | 0.595 |
| Beta Downside | 0.714 |
| Drawdowns 3y | |
|---|---|
| Max DD | 82.99% |
| CAGR/Max DD | -0.34 |
Description: BRBS Blue Ridge Bankshares December 30, 2025
Blue Ridge Bankshares, Inc. (NYSE MKT: BRBS) is a Virginia-based bank holding company that operates the Blue Ridge Bank, NA, offering a full suite of commercial and consumer banking services across 30+ branches in Virginia and North Carolina. Its business is split between a Commercial Banking segment (deposit taking, treasury management, and commercial loan products) and a Mortgage Banking segment (residential and commercial mortgage origination and servicing). The firm also provides ancillary services such as insurance, wealth-management, and SBA lending.
Key operating metrics from the most recent quarterly filing (Q3 2024) show a net interest margin (NIM) of 3.45 %-slightly above the regional-bank median of ~3.2 %-and a loan-to-deposit ratio of 78 %, indicating a conservative balance-sheet stance. Deposit growth accelerated 7 % YoY, driven by higher-yield savings products, while total loan balances rose 4 % YoY, led by commercial real-estate and SBA loan volumes. The bank’s efficiency ratio stood at 58 %, modestly better than the industry average of ~61 %.
Sector-level drivers that will likely affect BRBS include the Federal Reserve’s policy trajectory (higher policy rates tend to boost NIM but can suppress loan demand) and regional housing market dynamics in the Mid-Atlantic, where home-price appreciation has slowed to ~2 % YoY, potentially tempering mortgage-originations. Additionally, the ongoing consolidation trend among community banks could create acquisition opportunities or competitive pressure, depending on BRBS’s capital position and strategic intent.
Given these data points, a deeper dive into BRBS’s forward-looking earnings guidance and capital adequacy metrics on ValueRay could help clarify the risk-reward profile before making an investment decision.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 10.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.77 > 1.0 |
| NWC/Revenue: 305.2% < 20% (prev -967.5%; Δ 1273 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 13.5m > Net Income 10.7m |
| Net Debt (63.2m) to EBITDA (15.0m): 4.21 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (106.1m) vs 12m ago 34.51% < -2% |
| Gross Margin: 63.54% > 18% (prev 0.56%; Δ 6298 % > 0.5%) |
| Asset Turnover: 5.83% > 50% (prev 6.35%; Δ -0.52% > 0%) |
| Interest Coverage Ratio: 0.23 > 6 (EBITDA TTM 15.0m / Interest Expense TTM 58.9m) |
Altman Z'' 1.42
| A: 0.19 (Total Current Assets 459.7m - Total Current Liabilities 0.0) / Total Assets 2.43b |
| B: -0.00 (Retained Earnings -659.0k / Total Assets 2.43b) |
| C: 0.01 (EBIT TTM 13.8m / Avg Total Assets 2.58b) |
| D: 0.14 (Book Value of Equity 300.1m / Total Liabilities 2.11b) |
| Altman-Z'' Score: 1.42 = BB |
Beneish M -3.24
| DSRI: 0.99 (Receivables 10.8m/12.5m, Revenue 150.6m/173.8m) |
| GMI: 0.88 (GM 63.54% / 55.94%) |
| AQI: 0.99 (AQ_t 0.80 / AQ_t-1 0.81) |
| SGI: 0.87 (Revenue 150.6m / 173.8m) |
| TATA: -0.00 (NI 10.7m - CFO 13.5m) / TA 2.43b) |
| Beneish M-Score: -3.24 (Cap -4..+1) = AA |
What is the price of BRBS shares?
Over the past week, the price has changed by +0.23%, over one month by -1.15%, over three months by -0.92% and over the past year by +29.10%.
Is BRBS a buy, sell or hold?
What are the forecasts/targets for the BRBS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 4 | -7.7% |
BRBS Fundamental Data Overview February 09, 2026
P/S = 4.1109
P/B = 1.2152
Revenue TTM = 150.6m USD
EBIT TTM = 13.8m USD
EBITDA TTM = 15.0m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 179.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 63.2m USD (from netDebt column, last quarter)
Enterprise Value = 123.7m USD (393.4m + Debt 179.2m - CCE 448.9m)
Interest Coverage Ratio = 0.23 (Ebit TTM 13.8m / Interest Expense TTM 58.9m)
EV/FCF = 9.78x (Enterprise Value 123.7m / FCF TTM 12.6m)
FCF Yield = 10.22% (FCF TTM 12.6m / Enterprise Value 123.7m)
FCF Margin = 8.40% (FCF TTM 12.6m / Revenue TTM 150.6m)
Net Margin = 7.11% (Net Income TTM 10.7m / Revenue TTM 150.6m)
Gross Margin = 63.54% ((Revenue TTM 150.6m - Cost of Revenue TTM 54.9m) / Revenue TTM)
Gross Margin QoQ = 65.30% (prev 68.78%)
Tobins Q-Ratio = 0.05 (Enterprise Value 123.7m / Total Assets 2.43b)
Interest Expense / Debt = 7.45% (Interest Expense 13.4m / Debt 179.2m)
Taxrate = 21.19% (1.14m / 5.38m)
NOPAT = 10.9m (EBIT 13.8m * (1 - 21.19%))
Current Ratio = unknown (Total Current Assets 459.7m / Total Current Liabilities 0.0)
Debt / Equity = 0.55 (Debt 179.2m / totalStockholderEquity, last quarter 323.7m)
Debt / EBITDA = 4.21 (Net Debt 63.2m / EBITDA 15.0m)
Debt / FCF = 5.00 (Net Debt 63.2m / FCF TTM 12.6m)
Total Stockholder Equity = 340.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.41% (Net Income 10.7m / Total Assets 2.43b)
RoE = 3.15% (Net Income TTM 10.7m / Total Stockholder Equity 340.4m)
RoCE = 0.57% (EBIT 13.8m / Capital Employed (Total Assets 2.43b - Current Liab 0.0))
RoIC = 2.07% (NOPAT 10.9m / Invested Capital 523.6m)
WACC = 7.41% (E(393.4m)/V(572.6m) * Re(8.11%) + D(179.2m)/V(572.6m) * Rd(7.45%) * (1-Tc(0.21)))
Discount Rate = 8.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 136.1%
[DCF Debug] Terminal Value 73.00% ; FCFF base≈12.6m ; Y1≈8.30m ; Y5≈3.79m
Fair Price DCF = 0.21 (EV 82.8m - Net Debt 63.2m = Equity 19.6m / Shares 91.5m; r=7.41% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -29.13 | EPS CAGR: -47.66% | SUE: N/A | # QB: 0
Revenue Correlation: -26.36 | Revenue CAGR: -9.61% | SUE: N/A | # QB: 0