Blue Ridge Bankshares, Inc. (BRBS) AI Stock Analysis

Established in 1893 and headquartered in Charlottesville, Virginia, Blue Ridge Bankshares, Inc. operates as the bank holding company for Blue Ridge Bank, National Association. The institution operates primarily through two segments: Commercial Banking and Mortgage Banking. Its commercial and retail deposit offerings include checking, savings, money market accounts, cash management, individual retirement accounts, and certificates of deposit. On the lending side, the bank originates commercial and industrial loans, residential and commercial mortgages, home equity loans, consumer installment loans, and guaranteed government loans. It also provides wealth management, trust administration, payroll processing, property and casualty insurance, and third-party residential mortgage origination services across Virginia and beyond.

Blue Ridge Bankshares has experienced significant top-line volatility, with revenue dropping from $190.5M in FY2021 to $169.7M in FY2022, rising to $197.4M in FY2023, and then contracting to $173.9M in FY2024 and $150.6M in FY2025. Across the FY2020 to FY2025 period, revenue delivered a 5-year CAGR of 6.4%. Profitability rebounded in FY2025 with an operating margin of 9.1% and net income of $10.7M, compared to a net loss of $51.8M in FY2023 and a net loss of $15.4M in FY2024. For the trailing twelve months, revenue was $84.0M with a profit margin of 11.2% and EPS of $0.09. In the latest quarter ended June 30, 2026, revenue fell 40.0% year-over-year, while quarterly earnings grew 500.0%.

As of June 30, 2026, Blue Ridge Bankshares reported $378.7M in cash and short-term investments against total debt of $171.3M, yielding net cash of $207.4M and a debt-to-equity ratio of 0.62. Total assets stood at $2.33B with shareholders' equity of $276.5M. In FY2025, operating cash flow recovered to $13.6M and free cash flow reached $11.9M. The company deployed cash toward $1.7M in capital expenditures, $9.5M in share buybacks, and $22.6M in dividends paid, while 5-year share count change was 370.8%.

Blue Ridge Bankshares trades at a trailing price-to-earnings multiple of 44.2x, substantially above the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio of 4.3x also sits higher than the peer group median of 3.2x, while its price-to-book ratio is 1.2x. Over the past year, BRBS delivered a return of 15.6%, slightly trailing the 16.8% return of the S&P 500 (SPY). Over a 5-year period, the stock declined 71.9% compared to an 83.0% gain for the S&P 500. The stock closed at $3.98 on October 16, 2026, 10.5% above its 200-day average.

Blue Ridge Bankshares shows an annual forward dividend of $2.40 with a dividend yield listed at 0.00% and a payout ratio of 6.6%. The company has paid dividends for 2 consecutive years, while its 5-year annualized dividend growth stands at -2.7%. In FY2025, total dividends paid were $22.6M, and the last ex-dividend date was April 13, 2026.

Blue Ridge Bankshares has no formal sell-side analyst rating counts, consensus price targets, or forward earnings per share projections recorded. The bank's trailing twelve months diluted earnings per share was $0.09, and its quarterly earnings grew 500.0% year-over-year in the quarter ended June 30, 2026. The company's next scheduled earnings release date is October 28, 2026.

This page is an AI-written research summary of Blue Ridge Bankshares, Inc. (BRBS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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