Blue Ridge Bankshares (BRBS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Blue Ridge Bankshares

NYSE American•Financial Services•Banks - Regional

$4.00+0.04(0.01%)Pre-market

Market Cap

$349.55M

P/E

37.2x

P/S

4.2x

P/B

1.3x

Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. It operates through Commercial Banking and Mortgage Banking segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, and consumer installment loans; and residential mortgage loans and mortgages loans on real estate. In addition, it provides commercial banking services, including deposit accounts, treasury management solutions, wire services, online banking, fraud prevention services, procurement cards, and a range of commercial lending options; and property and casualty insurance products to individuals and businesses, as well as electronic statement, and mobile and telephone banking services. Further, the company offers consumer lending services that include automobile lending, home equity lines of credit, credit cards, and other unsecured personal loans; small business administration loans; management services for personal and corporate trusts, including estate planning and settlement, trust administration, and investment and wealth management services, as well as life insurance products. It operates in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Richmond, Virginia.

How this company scores

WeakMetricSide Score: 52/100

Grade capped at D — Interest coverage below 1× (0.0x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (22/25); weakest: Balance Sheet & Red Flags (9/25).

Profitability10/25

Growth11/25

Balance Sheet & Red Flags9/25

Cash & Earnings Quality22/25

Strengths

Rising free cash flowRising earningsCash-backed earningsProfit converts from growth

Grade capped at D

Interest coverage below 1× (0.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 37.2x5y range 0.8x – 84.5x

Currently above its 11-quarter median.

P/S · 4.2x5y range 0.3x – 4.2x

Currently above its 20-quarter median.

P/B · 1.3x5y range 0.2x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Revenue Decline

Watch

Revenue has softened, declining in 5 quarters. Watch for further erosion.

Price & Volume

Market Cap $349.55M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $84.12M
Q. Revenue: $18.31M
TTM EBITDA: $3.78M
TTM Op. Income: $1.74M
Q. Op. Income: $-3.40M
TTM Net Income: $9.39M
Q. Net Income: $-1.29M
EPS: $-0.01
Shares Out.: $88.49M

$84.12M in TTM revenue declined 5.3% YoY, reaching $18.31M last quarter. TTM EBITDA of $3.78M and TTM operating income of $1.74M show growth is flowing through to the bottom line. TTM net income of $9.39M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 3 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: -16.6%
Op. Margin: -18.6%
Net Margin: -7.1%

Op. margin of -18.6% is down 12.2% YoY — costs are rising relative to revenue. Net margin at -7.1% Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 37.2x
P/S Ratio: 4.2x
P/B Ratio: 1.3x

At 37.2x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 4.2x and P/B of 1.3x provide additional context. P/E sits above typical market levels while revenue growth is below 5%. Over the past year, P/E is up 0% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.33B
Cash: $61.69M
Long-Term Debt: $164.69M
Book Value: $275.40M
D/E Ratio: 0.6
Debt/EBITDA: N/A

With $2.33B in assets and $164.69M in long-term debt, D/E is 0.6and book value is $275.40M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 3 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.73M
TTM Free Cash Flow: $21.11M
FCF Margin: 25.1%
FCF / Net Income: 2.2

TTM FCF of $21.11M on $1.73M in operating cash flow. The FCF / Net Income ratio of 2.2x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 68% — a weakening trend.