BRBS - BLUE RIDGE BANKSHARES, INC.

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	-12.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-312%)	—	18.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+202%)	13.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+123%)	-21.7% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-462%)	—	-26.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-540%)	-39.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-758%)	-18.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-411%)	—	-19.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-420%)	-1.9% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-132%)	-27.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-558%)	—	6.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	-48.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-910%)	33.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+455%)	—	16.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+173%)	145.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2323%)	175.1% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2819%)	—	184.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2969%)	156.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2511%)	48.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+714%)	—	—	—	—	—
EPS Growth YoY (%)	N/M	66.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	500.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	93.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-4.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	-30.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-90.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-59.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-96.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	N/M	-36.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	110.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	N/M	203.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	214.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-60.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	N/M	N/M	492.3% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	85.0% Excellent ↑ Excellent Improving Year-over-year change in net income	65.2% Excellent Excellent Year-over-year change in net income	N/M	-32.8% Weak Weak Year-over-year change in net income	N/M	-34.7% Weak Weak Year-over-year change in net income	N/M	N/M	-91.0% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-59.8% Weak ↓ Weak Declining Year-over-year change in net income	-96.1% Weak ↓ Weak Declining Year-over-year change in net income	320.0% Excellent ↑ Excellent Improving Year-over-year change in net income	129.3% Excellent ↓ Excellent Declining Year-over-year change in net income	34.5% Excellent ↓ Excellent Declining Year-over-year change in net income	360.4% Excellent ↓ Excellent Declining Year-over-year change in net income	408.2% Excellent ↓ Excellent Declining Year-over-year change in net income	952.8% Excellent ↑ Excellent Improving Year-over-year change in net income	305.0% Excellent ↑ Excellent Improving Year-over-year change in net income	306.7% Excellent Excellent Year-over-year change in net income	-34.4% Weak Weak 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-17.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	-11.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-12.3% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-22.7% Weak → Weak Stable Compound annual revenue growth over 3 years	—	-14.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-32.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-7.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	0.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	38.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	—	52.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	47.9% Excellent Excellent Compound annual revenue growth over 3 years	76.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	-11.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	—	-2.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-3.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	—	15.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	14.0% Excellent Excellent Compound annual revenue growth over 5 years	26.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	-51.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-26.3% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-45.0% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	—	-64.7% Weak Weak Compound annual EPS growth over 3 years	-70.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	-3.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	—	-8.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-36.4% Weak Weak Compound annual EPS growth over 3 years	55.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	5.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	—	29.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	7.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	-4.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-116%)	—	7.1% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	-59.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-337%)	-11.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-147%)	—	-155.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-722%)	-31.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-224%)	6.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	—	9.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	4.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	47.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+89%)	—	26.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	54.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+118%)	14.8% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	—	22.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	28.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	8.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	—	15.7% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	17.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	18.3% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	—
Effective Tax Rate (%) (%)	24.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	51.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.3% 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%	10.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	4.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	—	21.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	5.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	-2.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-109%)	—	4.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	-56.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-355%)	-10.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-147%)	—	-139.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-735%)	-25.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-216%)	4.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	—	7.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	3.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	37.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	—	19.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	43.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	11.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	—	17.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	22.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	6.4% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	—	12.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	14.5% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	14.5% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	6.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	—	—	—	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	—	5.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	6.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	0.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	0.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.25x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.26x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$0.22	—	$0.29	$0.26	$0.26	—	$0.30	$0.83	$1.47	—	$1.56	$1.78	$1.84	—	$1.94	$1.83	$2.54	—	$1.83	$3.58	$2.37	—	$3.45	$3.20	—	—	$1.60	$1.63	—	—
Basic EPS, GAAP (USD)	$0.01	$0.05	$0.06	$0.01	$-0.01	$0.03	$0.01	$-0.47	$-0.15	$-0.30	$-2.18	$-0.45	$0.09	$-0.23	$0.15	$0.06	$0.95	$0.68	$0.37	$1.54	—	$-0.08	$0.59	$0.73	$0.10	$0.09	$0.19	$0.23	$0.25	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.60	$0.25	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$0.19	$0.09	—	—	$0.09	$0.09	$0.09	—
Book Value per Share (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$14.84	—	—	—	$12.86	—	$11.62	$11.19	$10.60	$16.28	—	—	—	$9.41
Tangible Book Value per Share (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$13.41	—	—	—	$11.41	—	$9.30	$8.85	$8.26	$13.35	—	—	—	$8.76
Basic Weighted Avg Shares (shares)	88.34M	—	88.55M	88.26M	86.00M	—	73.37M	24.48M	19.18M	—	19.01M	18.85M	18.86M	—	18.85M	18.77M	18.77M	—	18.78M	18.62M	15.14M	—	8.58M	8.49M	8,496	—	6.52M	6.49M	4,960	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$24.49M	$24.47M	$9.81M	—	—	—	—	$9.77M
Total Equity (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$278.48M	—	—	—	$239.50M	—	$99.70M	$94.93M	$90.04M	$92.11M	—	—	—	$39.41M

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$19.25M	—	$25.74M	$23.09M	$22.06M	—	$21.80M	$20.36M	$28.17M	—	$29.61M	$33.63M	$34.64M	—	$36.65M	$34.28M	$47.76M	—	$34.42M	$66.67M	$35.83M	—	$29.58M	$27.17M	$13.02M	—	$10.41M	$10.59M	$8.75M	—
Net Income, GAAP (USD)	$836.00K	$4.24M	$5.60M	$1.30M	$-434.00K	$-2.00M	$946.00K	$-11.44M	$-2.89M	$-5.76M	$-41.37M	$-8.61M	$1.60M	$-4.28M	$2.74M	$1.12M	$17.76M	$12.79M	$6.81M	$28.65M	$4.23M	$5.58M	$5.06M	$6.22M	$832.00K	$530.00K	$1.25M	$1.53M	$1.27M	—
Operating Cash Flow (USD)	$15.04M	$128.00K	$6.43M	$10.66M	$-3.59M	$-18.11M	$24.13M	$-4.82M	$-7.52M	$20.47M	$936.00K	$12.47M	$14.38M	$-29.16M	$12.97M	$15.04M	$95.08M	$45.70M	$6.10M	$-28.31M	$35.72M	$9.01M	—	—	$-45.14M	$5.28M	$-6.13M	$-18.11M	$-1.63M	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	2.8%	3.0%	3.5%	3.1%	2.8%	2.8%	2.6%	2.7%	2.6%	2.8%	2.7%	3.0%	3.3%	3.6%	4.0%	3.4%	3.5%	3.1%	3.1%	4.4%	2.5%	3.7%	3.1%	2.7%	3.1%	2.4%	—	—	—	—
Efficiency Ratio (%) (%)	97.3%	—	77.8%	95.3%	104.0%	—	121.4%	144.0%	115.3%	—	218.3%	101.3%	83.3%	—	79.7%	73.9%	47.5%	—	73.6%	45.4%	85.2%	—	63.6%	58.2%	87.1%	—	78.8%	77.1%	78.3%	—

BLUE RIDGE BANKSHARES, INC.

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