Blue Ridge Bankshares, Inc. (BRBS) 10-Year Financial Performance & Capital Metrics

BRBS • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

AboutBlue 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, consumer installment, and guaranteed government loans; and mortgages loans on real estate. In addition, it provides wire, direct deposit payroll, remote deposit, payroll processing, electronic statement, and other services; and property and casualty insurance products to individuals and businesses, as well as online, mobile, and telephone banking services. Further, the company offers employee benefit plans and administration services; management services for personal and corporate trusts, including estate planning and settlement, and trust administration, investment and wealth management, and other insurance products; and wholesale and third-party residential mortgage origination services to other financial institutions and credit unions. It has branches 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 Charlottesville, Virginia.Show more

Net Interest Income $79M -15.5%
Total Revenue $174M -11.9%
Net Income -$15M +70.3%
Return on Equity -5.99% +74.9%
Net Interest Margin 2.87% -3.7%
Efficiency Ratio 65.47% -18.2%
ROA -0.53% +68.3%
Equity / Assets 11.98% +100.7%
Book Value per Share 6.67 -32.1%
Tangible BV/Share 6.59 -18.7%
Debt/Equity 0.61 -56.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Well capitalized: 12.0% equity/assets
✓Trading at only 0.7x book value

✗Weaknesses

✗Shares diluted 100.0% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y35.2%

5Y28.66%

3Y-3%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM123.31%

EPS CAGR

10Y-

5Y-

3Y-

TTM104.99%

ROCE

10Y Avg1.82%

5Y Avg1.56%

3Y Avg-4.25%

Latest-2.98%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	0	0	17.29M	21.37M	44.51M	92.48M	104.57M	93.04M	78.66M
NII Growth %	-	-	-	-	0.24%	1.08%	1.08%	0.13%	-0.11%	-0.15%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	0	0	22.44M	30.89M	54.46M	103.55M	121.65M	169M	160.32M
Interest Expense	0	0	0	5.15M	9.52M	9.95M	11.06M	17.09M	75.95M	81.66M
Loan Loss Provision	0	0	0	1.23M	1.74M	10.45M	117K	25.69M	22.32M	-5.1M
Non-Interest Income+	9.45M	15.93M	26.33M	9.83M	18.43M	55.85M	86.99M	48.09M	28.38M	13.57M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	9.45M	15.93M	26.33M	32.27M	49.32M	110.31M	190.53M	169.74M	197.37M	173.89M
Revenue Growth %	0.11%	0.69%	0.65%	0.23%	0.53%	1.24%	0.73%	-0.11%	0.16%	-0.12%
Non-Interest Expense	4.69M	4.38M	12.72M	20.17M	32.48M	67.24M	110.99M	104.78M	157.94M	113.84M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	4.76M	1.24M	5.46M	5.72M	5.58M	22.67M	68.36M	22.2M	-58.84M	-16.51M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.69%	-0.74%	3.4%	0.05%	-0.03%	3.07%	2.02%	-0.68%	-3.65%	0.72%
Pretax Income+	3.55M	1.24M	5.41M	5.72M	5.58M	22.67M	68.36M	22.2M	-58.84M	-16.51M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.05M	553.45K	2.06M	1.15M	973K	4.84M	15.74M	5.2M	-7.07M	-1.12M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.45M	688.73K	3.35M	4.56M	4.58M	17.7M	52.48M	17.33M	-51.77M	-15.38M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.24%	-0.72%	3.86%	0.36%	0%	2.86%	1.97%	-0.67%	-3.99%	0.7%
Net Income (Continuing)	2.5M	688.73K	3.35M	4.57M	4.6M	17.84M	52.62M	17M	-51.77M	-15.38M
EPS (Diluted)+	0.80	0.21	0.81	1.11	0.77	2.07	2.94	1.47	-2.73	-0.31
EPS Growth %	-0.15%	-0.74%	2.86%	0.37%	-0.31%	1.69%	0.42%	-0.5%	-2.86%	0.89%
EPS (Basic)	0.80	0.21	0.81	1.11	0.77	2.07	2.94	1.47	-2.73	-0.31
Diluted Shares Outstanding	3.08M	3.34M	4.13M	4.17M	6.22M	8.54M	17.85M	18.99M	18.94M	49.12M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	7.57M	15.55M	9.63M	15.03M	60.03M	117.94M	130.55M	77.27M	110.49M	173.53M
Short Term Investments	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	0	27.54M	20.43M	494.13M	819.26M	1.28B	2.32B	757.13M	2.8B	2.46B
Investments Growth %	-	-	-0.26%	23.19%	0.66%	0.56%	0.81%	-0.67%	2.7%	-0.12%
Long-Term Investments	0	27.54M	20.43M	456.09M	710.69M	1.17B	1.95B	402.79M	2.48B	2.14B
Accounts Receivables	0	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	366.3K	2.09M	2.09M	2.69M	19.91M	19.62M	26.83M	26.83M	0	0
Intangible Assets	0	1.13M	745.8K	0	3.72M	9.66M	24.06M	35.57M	32.5M	4.25M
PP&E (Net)	2.04M	2.51M	2.28M	3.34M	20.27M	20.16M	32.94M	30.05M	31.09M	29.36M
Other Assets	258.93M	367.64M	387.46M	24.39M	33.32M	38.08M	120.2M	0	102.11M	34.25M
Total Current Assets	7.57M	16.54M	10.68M	53.07M	172.9M	241.36M	513.65M	443.18M	446.54M	498.11M
Total Non-Current Assets	261.34M	401.58M	413.44M	486.52M	787.92M	1.26B	2.15B	495.24M	2.67B	2.24B
Total Assets+	268.91M	418.12M	424.12M	539.59M	960.81M	1.5B	2.67B	3.13B	3.12B	2.74B
Asset Growth %	0.12%	0.55%	0.01%	0.27%	0.78%	0.56%	0.78%	0.17%	-0%	-0.12%
Return on Assets (ROA)	0.01%	0%	0.01%	0.01%	0.01%	0.01%	0.03%	0.01%	-0.02%	-0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	47.62M	42.32M	45.78M	82.87M	134.6M	145.01M	57.75M	359.48M	259.47M	198.4M
Net Debt	40.05M	26.77M	36.15M	67.84M	74.57M	27.07M	-72.8M	282.21M	148.98M	24.87M
Long-Term Debt	47.62M	33.82M	18.82M	82.87M	134.6M	139.51M	50.1M	351.62M	249.85M	189.79M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	0	208.85M	218.86M	2.08M	11.84M	299.94M	32.48M	2.52B	106.06M	31.63M
Total Current Liabilities	0	141.82M	150M	415.03M	722.03M	945.11M	2.3B	0	2.57B	2.18B
Total Non-Current Liabilities	47.62M	242.67M	237.68M	84.94M	146.44M	444.95M	90.23M	2.88B	365.53M	230.03M
Total Liabilities	47.62M	384.5M	387.68M	499.97M	868.47M	1.39B	2.39B	2.88B	2.93B	2.41B
Total Equity+	24.1M	33.63M	36.44M	39.62M	92.34M	108.2M	277.14M	248.79M	185.99M	327.79M
Equity Growth %	-0.03%	0.4%	0.08%	0.09%	1.33%	0.17%	1.56%	-0.1%	-0.25%	0.76%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.02%	0.1%	0.12%	0.07%	0.18%	0.27%	0.07%	-0.24%	-0.06%
Book Value per Share	7.81	10.06	8.83	9.50	14.84	12.68	15.53	13.10	9.82	6.67
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	7.08M	16.27M	16.32M	16.45M	66.2M	66.77M	194.31M	195.96M	197.64M	322.79M
Additional Paid-in Capital	42.89K	131.36K	194.86K	252K	252K	252K	252K	252K	252K	29.69M
Retained Earnings	17.69M	17.67M	20.19M	23.32M	25.43M	40.69M	85.98M	97.68M	33.16M	17.77M
Accumulated OCI	-709.16K	-441.12K	-466.58K	-618K	229K	264K	-3.63M	-45.1M	-45.06M	-42.46M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-5.82M	-2.11M	45.66M	-4.57M	-20.58M	-108.34M	59.21M	93.93M	44.06M	-6.31M
Operating CF Growth %	-3.57%	0.64%	22.68%	-1.1%	-3.5%	-4.26%	1.55%	0.59%	-0.53%	-1.14%
Net Income	2.5M	688.73K	3.35M	4.57M	4.6M	17.7M	52.48M	17.33M	-51.77M	-15.38M
Depreciation & Amortization	269.79K	372.33K	812.27K	919.47K	994K	1.55M	3.81M	3.5M	2.99M	2.62M
Deferred Taxes	0	0	0	-9K	-85K	-1.68M	1.92M	-20K	-7.05M	-6.19M
Other Non-Cash Items	608.69K	-3.34M	38.99M	-6.88M	-25.59M	-111.56M	-431K	67.46M	93.16M	37.15M
Working Capital Changes	-9.33M	-126.9K	2.29M	-3.3M	-738K	-14.35M	1.43M	5.66M	6.73M	-24.5M
Cash from Investing+	-21.72M	-26.64M	-50.37M	-101.95M	-94.68M	-340.88M	52.48M	-628.18M	-23.21M	419.03M
Purchase of Investments	0	-5.23M	-15.44M	-16.54M	-71.91M	-45.07M	-276.51M	-79.57M	-8.15M	-18.22M
Sale/Maturity of Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-834.74K	0	0	-6.97M	0	44.07M	0	0	0
Other Investing	-21.62M	-26.22M	-42.38M	-91.11M	-62.35M	-347.61M	223.94M	-580.81M	-21.85M	397.61M
Cash from Financing+	26.86M	35.58M	1.13M	111.23M	160.26M	507.14M	-99.09M	480.98M	23.03M	-357.88M
Dividends Paid	-656.43K	-708.44K	-880.44K	-1.5M	-2.47M	-2.44M	-7.18M	-9.18M	-4.64M	0
Share Repurchases	0	0	0	0	0	-759K	0	0	0	0
Stock Issued	0	0	53.53K	128.77K	22.12M	759K	804K	87K	103K	152.14M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	9.45M	46.48M	-1.54M	75.59M	88.92M	504.38M	325M	188.37M	64.32M	-450.02M
Net Change in Cash+	-676.62K	6.83M	-3.78M	4.71M	45M	57.92M	12.6M	-53.27M	43.88M	54.84M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	7.94M	7.27M	14.1M	10.32M	15.03M	60.03M	117.94M	130.55M	77.27M	121.15M
Cash at End	7.27M	14.1M	10.32M	15.03M	60.03M	117.94M	130.55M	77.27M	121.15M	175.99M
Interest Paid	0	0	0	4.99M	9.09M	10.03M	11.58M	16.01M	67.87M	83.53M
Income Taxes Paid	0	0	0	1.35M	1.02M	2M	10M	2.08M	6.6M	0
Free Cash Flow+	-5.92M	-4.45M	42.46M	-6.67M	-22.32M	-111.35M	58M	93.48M	43.09M	-6.9M
FCF Growth %	-4.61%	0.25%	10.54%	-1.16%	-2.35%	-3.99%	1.52%	0.61%	-0.54%	-1.16%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	10.04%	2.39%	9.56%	11.99%	6.94%	17.65%	27.24%	6.59%	-23.82%	-5.99%
Return on Assets (ROA)	0.97%	0.2%	0.8%	0.95%	0.61%	1.44%	2.52%	0.6%	-1.66%	-0.53%
Net Interest Margin	0%	0%	0%	3.2%	2.22%	2.97%	3.47%	3.34%	2.98%	2.87%
Efficiency Ratio	49.67%	27.52%	48.3%	62.52%	65.86%	60.95%	58.25%	61.73%	80.02%	65.47%
Equity / Assets	8.96%	8.04%	8.59%	7.34%	9.61%	7.22%	10.4%	7.95%	5.97%	11.98%
Book Value / Share	7.81	10.06	8.83	9.5	14.84	12.68	15.53	13.1	9.82	6.67
NII Growth	-	-	-	-	23.61%	108.3%	107.78%	13.07%	-11.02%	-15.46%
Dividend Payout	26.76%	102.86%	26.28%	32.92%	54%	13.77%	13.69%	52.93%	-	-

Revenue by Segment

	2019	2020
Bank And Purchase Card Revenue	-	1.3M
Bank And Purchase Card Revenue Growth	-	-
Bank Card Revenue	572K	-
Bank Card Revenue Growth	-	-

Frequently Asked Questions

Growth & Financials

Blue Ridge Bankshares, Inc. (BRBS) saw revenue decline by 11.9% over the past year.

Yes, Blue Ridge Bankshares, Inc. (BRBS) is profitable, generating $4.5M in net income for fiscal year 2024 (-8.8% net margin).

Dividend & Returns

Blue Ridge Bankshares, Inc. (BRBS) has a return on equity (ROE) of -6.0%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Blue Ridge Bankshares, Inc. (BRBS) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

Blue Ridge Bankshares, Inc. (BRBS) has an efficiency ratio of 65.5%. This is higher than peers, suggesting room for cost optimization.

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...

Blue Ridge Bankshares, Inc. (BRBS) 10-Year Financial Performance & Capital Metrics

BRBS • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

Net Interest Income $79M -15.5%
Total Revenue $174M -11.9%
Net Income -$15M +70.3%
Return on Equity -5.99% +74.9%
Net Interest Margin 2.87% -3.7%
Efficiency Ratio 65.47% -18.2%
ROA -0.53% +68.3%
Equity / Assets 11.98% +100.7%
Book Value per Share 6.67 -32.1%
Tangible BV/Share 6.59 -18.7%
Debt/Equity 0.61 -56.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Well capitalized: 12.0% equity/assets
✓Trading at only 0.7x book value

✗Weaknesses

✗Shares diluted 100.0% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y35.2%

5Y28.66%

3Y-3%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM123.31%

EPS CAGR

10Y-

5Y-

3Y-

TTM104.99%

ROCE

10Y Avg1.82%

5Y Avg1.56%

3Y Avg-4.25%

Latest-2.98%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	0	0	17.29M	21.37M	44.51M	92.48M	104.57M	93.04M	78.66M
NII Growth %	-	-	-	-	0.24%	1.08%	1.08%	0.13%	-0.11%	-0.15%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	0	0	22.44M	30.89M	54.46M	103.55M	121.65M	169M	160.32M
Interest Expense	0	0	0	5.15M	9.52M	9.95M	11.06M	17.09M	75.95M	81.66M
Loan Loss Provision	0	0	0	1.23M	1.74M	10.45M	117K	25.69M	22.32M	-5.1M
Non-Interest Income+	9.45M	15.93M	26.33M	9.83M	18.43M	55.85M	86.99M	48.09M	28.38M	13.57M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	9.45M	15.93M	26.33M	32.27M	49.32M	110.31M	190.53M	169.74M	197.37M	173.89M
Revenue Growth %	0.11%	0.69%	0.65%	0.23%	0.53%	1.24%	0.73%	-0.11%	0.16%	-0.12%
Non-Interest Expense	4.69M	4.38M	12.72M	20.17M	32.48M	67.24M	110.99M	104.78M	157.94M	113.84M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	4.76M	1.24M	5.46M	5.72M	5.58M	22.67M	68.36M	22.2M	-58.84M	-16.51M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.69%	-0.74%	3.4%	0.05%	-0.03%	3.07%	2.02%	-0.68%	-3.65%	0.72%
Pretax Income+	3.55M	1.24M	5.41M	5.72M	5.58M	22.67M	68.36M	22.2M	-58.84M	-16.51M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.05M	553.45K	2.06M	1.15M	973K	4.84M	15.74M	5.2M	-7.07M	-1.12M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.45M	688.73K	3.35M	4.56M	4.58M	17.7M	52.48M	17.33M	-51.77M	-15.38M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.24%	-0.72%	3.86%	0.36%	0%	2.86%	1.97%	-0.67%	-3.99%	0.7%
Net Income (Continuing)	2.5M	688.73K	3.35M	4.57M	4.6M	17.84M	52.62M	17M	-51.77M	-15.38M
EPS (Diluted)+	0.80	0.21	0.81	1.11	0.77	2.07	2.94	1.47	-2.73	-0.31
EPS Growth %	-0.15%	-0.74%	2.86%	0.37%	-0.31%	1.69%	0.42%	-0.5%	-2.86%	0.89%
EPS (Basic)	0.80	0.21	0.81	1.11	0.77	2.07	2.94	1.47	-2.73	-0.31
Diluted Shares Outstanding	3.08M	3.34M	4.13M	4.17M	6.22M	8.54M	17.85M	18.99M	18.94M	49.12M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	7.57M	15.55M	9.63M	15.03M	60.03M	117.94M	130.55M	77.27M	110.49M	173.53M
Short Term Investments	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	0	27.54M	20.43M	494.13M	819.26M	1.28B	2.32B	757.13M	2.8B	2.46B
Investments Growth %	-	-	-0.26%	23.19%	0.66%	0.56%	0.81%	-0.67%	2.7%	-0.12%
Long-Term Investments	0	27.54M	20.43M	456.09M	710.69M	1.17B	1.95B	402.79M	2.48B	2.14B
Accounts Receivables	0	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	366.3K	2.09M	2.09M	2.69M	19.91M	19.62M	26.83M	26.83M	0	0
Intangible Assets	0	1.13M	745.8K	0	3.72M	9.66M	24.06M	35.57M	32.5M	4.25M
PP&E (Net)	2.04M	2.51M	2.28M	3.34M	20.27M	20.16M	32.94M	30.05M	31.09M	29.36M
Other Assets	258.93M	367.64M	387.46M	24.39M	33.32M	38.08M	120.2M	0	102.11M	34.25M
Total Current Assets	7.57M	16.54M	10.68M	53.07M	172.9M	241.36M	513.65M	443.18M	446.54M	498.11M
Total Non-Current Assets	261.34M	401.58M	413.44M	486.52M	787.92M	1.26B	2.15B	495.24M	2.67B	2.24B
Total Assets+	268.91M	418.12M	424.12M	539.59M	960.81M	1.5B	2.67B	3.13B	3.12B	2.74B
Asset Growth %	0.12%	0.55%	0.01%	0.27%	0.78%	0.56%	0.78%	0.17%	-0%	-0.12%
Return on Assets (ROA)	0.01%	0%	0.01%	0.01%	0.01%	0.01%	0.03%	0.01%	-0.02%	-0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	47.62M	42.32M	45.78M	82.87M	134.6M	145.01M	57.75M	359.48M	259.47M	198.4M
Net Debt	40.05M	26.77M	36.15M	67.84M	74.57M	27.07M	-72.8M	282.21M	148.98M	24.87M
Long-Term Debt	47.62M	33.82M	18.82M	82.87M	134.6M	139.51M	50.1M	351.62M	249.85M	189.79M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	0	208.85M	218.86M	2.08M	11.84M	299.94M	32.48M	2.52B	106.06M	31.63M
Total Current Liabilities	0	141.82M	150M	415.03M	722.03M	945.11M	2.3B	0	2.57B	2.18B
Total Non-Current Liabilities	47.62M	242.67M	237.68M	84.94M	146.44M	444.95M	90.23M	2.88B	365.53M	230.03M
Total Liabilities	47.62M	384.5M	387.68M	499.97M	868.47M	1.39B	2.39B	2.88B	2.93B	2.41B
Total Equity+	24.1M	33.63M	36.44M	39.62M	92.34M	108.2M	277.14M	248.79M	185.99M	327.79M
Equity Growth %	-0.03%	0.4%	0.08%	0.09%	1.33%	0.17%	1.56%	-0.1%	-0.25%	0.76%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.02%	0.1%	0.12%	0.07%	0.18%	0.27%	0.07%	-0.24%	-0.06%
Book Value per Share	7.81	10.06	8.83	9.50	14.84	12.68	15.53	13.10	9.82	6.67
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	7.08M	16.27M	16.32M	16.45M	66.2M	66.77M	194.31M	195.96M	197.64M	322.79M
Additional Paid-in Capital	42.89K	131.36K	194.86K	252K	252K	252K	252K	252K	252K	29.69M
Retained Earnings	17.69M	17.67M	20.19M	23.32M	25.43M	40.69M	85.98M	97.68M	33.16M	17.77M
Accumulated OCI	-709.16K	-441.12K	-466.58K	-618K	229K	264K	-3.63M	-45.1M	-45.06M	-42.46M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-5.82M	-2.11M	45.66M	-4.57M	-20.58M	-108.34M	59.21M	93.93M	44.06M	-6.31M
Operating CF Growth %	-3.57%	0.64%	22.68%	-1.1%	-3.5%	-4.26%	1.55%	0.59%	-0.53%	-1.14%
Net Income	2.5M	688.73K	3.35M	4.57M	4.6M	17.7M	52.48M	17.33M	-51.77M	-15.38M
Depreciation & Amortization	269.79K	372.33K	812.27K	919.47K	994K	1.55M	3.81M	3.5M	2.99M	2.62M
Deferred Taxes	0	0	0	-9K	-85K	-1.68M	1.92M	-20K	-7.05M	-6.19M
Other Non-Cash Items	608.69K	-3.34M	38.99M	-6.88M	-25.59M	-111.56M	-431K	67.46M	93.16M	37.15M
Working Capital Changes	-9.33M	-126.9K	2.29M	-3.3M	-738K	-14.35M	1.43M	5.66M	6.73M	-24.5M
Cash from Investing+	-21.72M	-26.64M	-50.37M	-101.95M	-94.68M	-340.88M	52.48M	-628.18M	-23.21M	419.03M
Purchase of Investments	0	-5.23M	-15.44M	-16.54M	-71.91M	-45.07M	-276.51M	-79.57M	-8.15M	-18.22M
Sale/Maturity of Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-834.74K	0	0	-6.97M	0	44.07M	0	0	0
Other Investing	-21.62M	-26.22M	-42.38M	-91.11M	-62.35M	-347.61M	223.94M	-580.81M	-21.85M	397.61M
Cash from Financing+	26.86M	35.58M	1.13M	111.23M	160.26M	507.14M	-99.09M	480.98M	23.03M	-357.88M
Dividends Paid	-656.43K	-708.44K	-880.44K	-1.5M	-2.47M	-2.44M	-7.18M	-9.18M	-4.64M	0
Share Repurchases	0	0	0	0	0	-759K	0	0	0	0
Stock Issued	0	0	53.53K	128.77K	22.12M	759K	804K	87K	103K	152.14M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	9.45M	46.48M	-1.54M	75.59M	88.92M	504.38M	325M	188.37M	64.32M	-450.02M
Net Change in Cash+	-676.62K	6.83M	-3.78M	4.71M	45M	57.92M	12.6M	-53.27M	43.88M	54.84M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	7.94M	7.27M	14.1M	10.32M	15.03M	60.03M	117.94M	130.55M	77.27M	121.15M
Cash at End	7.27M	14.1M	10.32M	15.03M	60.03M	117.94M	130.55M	77.27M	121.15M	175.99M
Interest Paid	0	0	0	4.99M	9.09M	10.03M	11.58M	16.01M	67.87M	83.53M
Income Taxes Paid	0	0	0	1.35M	1.02M	2M	10M	2.08M	6.6M	0
Free Cash Flow+	-5.92M	-4.45M	42.46M	-6.67M	-22.32M	-111.35M	58M	93.48M	43.09M	-6.9M
FCF Growth %	-4.61%	0.25%	10.54%	-1.16%	-2.35%	-3.99%	1.52%	0.61%	-0.54%	-1.16%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	10.04%	2.39%	9.56%	11.99%	6.94%	17.65%	27.24%	6.59%	-23.82%	-5.99%
Return on Assets (ROA)	0.97%	0.2%	0.8%	0.95%	0.61%	1.44%	2.52%	0.6%	-1.66%	-0.53%
Net Interest Margin	0%	0%	0%	3.2%	2.22%	2.97%	3.47%	3.34%	2.98%	2.87%
Efficiency Ratio	49.67%	27.52%	48.3%	62.52%	65.86%	60.95%	58.25%	61.73%	80.02%	65.47%
Equity / Assets	8.96%	8.04%	8.59%	7.34%	9.61%	7.22%	10.4%	7.95%	5.97%	11.98%
Book Value / Share	7.81	10.06	8.83	9.5	14.84	12.68	15.53	13.1	9.82	6.67
NII Growth	-	-	-	-	23.61%	108.3%	107.78%	13.07%	-11.02%	-15.46%
Dividend Payout	26.76%	102.86%	26.28%	32.92%	54%	13.77%	13.69%	52.93%	-	-

Revenue by Segment

	2019	2020
Bank And Purchase Card Revenue	-	1.3M
Bank And Purchase Card Revenue Growth	-	-
Bank Card Revenue	572K	-
Bank Card Revenue Growth	-	-

Frequently Asked Questions

Growth & Financials

Blue Ridge Bankshares, Inc. (BRBS) saw revenue decline by 11.9% over the past year.

Yes, Blue Ridge Bankshares, Inc. (BRBS) is profitable, generating $4.5M in net income for fiscal year 2024 (-8.8% net margin).

Dividend & Returns

Blue Ridge Bankshares, Inc. (BRBS) has a return on equity (ROE) of -6.0%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Blue Ridge Bankshares, Inc. (BRBS) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

Blue Ridge Bankshares, Inc. (BRBS) has an efficiency ratio of 65.5%. This is higher than peers, suggesting room for cost optimization.