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BLUE RIDGE BANKSHARES, INC.

BRBS

$3.81 ▼ -0.07 (-1.80%) at close

8 Visible periods

35 Metrics

Peer-ranked Benchmarks

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Health

Good

Neutral

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Analytical Summary

BLUE RIDGE BANKSHARES, INC. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $334.2M

Dividend Yield 6.56%

Revenue Growth -0.6% ↗

Op. Margin 15.0% ↗

ROIC None

FCF / Share None

Trailing P/E 31.8x

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$91.70M

↓ -0.6% —

Net Income Profit after all expenses

$10.71M

↑ +169.6% —

Operating Margin Operating profit as % of sales

15.0%

↑ +183.9% 67th

Long-Term Debt Long-term obligations

$9.80M

— +0.3% —

Health Breakdown

Profitability ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.25 Latest / share

-41.5% YoY

-11.4% 4-yr CAGR

$0.36

FY 2018

$0.38

FY 2019

$0.43

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

$0.25

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	-0.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-110%)	-24.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-502%)	-23.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-488%)	-11.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-295%)	77.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1185%)	152.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2438%)	46.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+676%)	—
EPS Growth YoY (%)	N/M	88.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-49.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	324.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-32.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	N/M	70.3% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	-46.8% Weak ↓ Weak Declining Year-over-year change in net income	196.5% Excellent ↑ Excellent Improving Year-over-year change in net income	286.4% Excellent Excellent Year-over-year change in net income	0.4% Caution Caution Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-16.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-19.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	58.0% Excellent Excellent Compound annual revenue growth over 3 years	87.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	18.1% Excellent Excellent Compound annual revenue growth over 5 years	34.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	-56.7% Weak Weak Compound annual EPS growth over 3 years	—	—	26.4% Excellent Excellent Compound annual EPS growth over 3 years	39.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	15.0% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	-17.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-172%)	-48.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-294%)	22.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	38.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	22.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	13.9% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	20.9% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)
Effective Tax Rate (%) (%)	22.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	11.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	-16.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-176%)	-42.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-294%)	17.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	29.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	17.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	11.4% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	16.6% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%
Return on Common Equity (%) (%)	—	—	—	10.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	19.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+58%)	16.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+37%)	5.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	11.6% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	0.11x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.25x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$1.05	$1.88	$6.42	$8.42	$10.06	$0.02	—	—
Basic EPS, GAAP (USD)	$0.12	$-0.31	$-2.73	$1.48	$2.94	$3.11	$0.73	$1.09
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.25	—	—	—	—	$0.43	$0.38	$0.36
Book Value per Share (USD)	—	—	—	$13.69	$14.75	$18.88	$10.85	$9.41
Tangible Book Value per Share (USD)	—	—	—	$12.27	$13.32	$15.40	$8.90	$8.76
Basic Weighted Avg Shares (shares)	87.72M	49.12M	18.94M	18.81M	17.84M	5.69B	6,220	4,168

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	$9.80M	$9.77M
Total Equity (USD)	—	—	—	$259.37M	$276.91M	$107.97M	$92.11M	$39.41M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$91.70M	$92.23M	$121.58M	$158.48M	$179.47M	$101.33M	$40.16M	$27.41M
Depreciation Expense (USD)	$1.40M	$1.50M	$1.60M	$1.90M	$2.00M	$951.00K	$539.00K	$415.00K
Net Income, GAAP (USD)	$10.71M	$-15.38M	$-51.77M	$27.91M	$52.48M	$17.70M	$4.58M	$4.56M
Operating Cash Flow (USD)	$13.62M	$-6.31M	$44.06M	$93.93M	$59.21M	$-108.34M	$-15.09M	$-4.57M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.9%	3.0%	3.5%	3.5%	3.0%	2.2%	3.2%
Efficiency Ratio (%) (%)	89.3%	123.4%	130.0%	66.1%	61.8%	67.5%	81.8%	74.7%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 2 days ago 8 years · 31 quarters

BLUE RIDGE BANKSHARES, INC.

Analytical Summary

8-Year Financial Trajectory

Health Breakdown

Dividend History

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