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6Apr 23, 2026·SEC
Apr 20, 2026·SEC
Mar 30, 2026·SEC
Blue Ridge Bankshares, Inc. (BRBS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Blue Ridge Bankshares, Inc. (BRBS) stock price & volume — 10-year historical chart
Blue Ridge Bankshares, Inc. (BRBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Blue Ridge Bankshares, Inc. (BRBS) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.02 | $32M |
| Q2 2026 | Mar 12, 2026 | $0.04 | $34M |
| Q1 2026 | Jan 29, 2026 | $0.04 | $34M |
| Q4 2025 | Oct 22, 2025 | $0.06 | $36M |
Blue Ridge Bankshares, Inc. (BRBS) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison
Blue Ridge Bankshares, Inc. (BRBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Blue Ridge Bankshares, Inc. (BRBS) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 0 | 17.29M | 21.37M | 44.51M | 92.48M | 104.57M | 93.04M | 78.66M | 78.86M |
NII Growth % | - | - | 23.61% | 108.3% | 107.78% | 13.07% | -11.02% | -15.46% | 0.25% |
Net Interest Margin % | 0% | 3.2% | 2.22% | 2.97% | 3.47% | 3.34% | 2.98% | 2.87% | 3.24% |
Interest Income | 0 | 22.44M | 30.89M | 54.46M | 103.55M | 121.65M | 169M | 160.32M | 137.77M |
Interest Expense | 0 | 5.15M | 9.52M | 9.95M | 11.06M | 17.09M | 75.95M | 81.66M | 58.91M |
Loan Loss Provision | 0 | 1.23M | 1.74M | 10.45M | 117K | 25.69M | 22.32M | -5.1M | -4M |
Non-Interest Income | 26.33M | 9.83M | 18.43M | 55.85M | 86.99M | 48.09M | 28.38M | 13.57M | 12.84M |
Non-Interest Income % | 100% | 30.47% | 37.37% | 50.63% | 45.65% | 28.33% | 14.38% | 7.81% | 8.52% |
Total Revenue | 26.33M▲ 0% | 32.27M▲ 22.6% | 49.32M▲ 52.8% | 110.31M▲ 123.7% | 190.53M▲ 72.7% | 169.74M▼ 10.9% | 197.37M▲ 16.3% | 173.89M▼ 11.9% | 150.61M▼ 13.4% |
Revenue Growth % | 65.34% | 22.55% | 52.84% | 123.66% | 72.73% | -10.91% | 16.28% | -11.89% | -13.39% |
Non-Interest Expense | 12.72M | 20.17M | 32.48M | 67.24M | 110.99M | 104.78M | 157.94M | 113.84M | 81.92M |
Efficiency Ratio | 48.3% | 62.52% | 65.86% | 60.95% | 58.25% | 61.73% | 80.02% | 65.47% | 54.39% |
Operating Income | 5.46M▲ 0% | 5.72M▲ 4.8% | 5.58M▼ 2.5% | 22.67M▲ 306.6% | 68.36M▲ 201.5% | 22.2M▼ 67.5% | -58.84M▼ 365.1% | -16.51M▲ 71.9% | 13.78M▲ 183.4% |
Operating Margin % | 20.73% | 17.73% | 11.31% | 20.55% | 35.88% | 13.08% | -29.81% | -9.49% | 9.15% |
Operating Income Growth % | 339.51% | 4.77% | -2.5% | 306.56% | 201.51% | -67.53% | -365.11% | 71.95% | 183.45% |
Pretax Income | 5.41M▲ 0% | 5.72M▲ 5.8% | 5.58M▼ 2.5% | 22.67M▲ 306.6% | 68.36M▲ 201.5% | 22.2M▼ 67.5% | -58.84M▼ 365.1% | -16.51M▲ 71.9% | 13.78M▲ 183.4% |
Pretax Margin % | 20.53% | 17.73% | 11.31% | 20.55% | 35.88% | 13.08% | -29.81% | -9.49% | 9.15% |
Income Tax | 2.06M | 1.15M | 973K | 4.84M | 15.74M | 5.2M | -7.07M | -1.12M | 3.07M |
Effective Tax Rate % | 38.04% | 20.05% | 17.45% | 21.33% | 23.02% | 23.42% | 12.02% | 6.8% | 22.26% |
Net Income | 3.35M▲ 0% | 4.56M▲ 36.1% | 4.58M▲ 0.4% | 17.7M▲ 286.4% | 52.48M▲ 196.5% | 17.33M▼ 67.0% | -51.77M▼ 398.7% | -15.38M▲ 70.3% | 10.71M▲ 169.6% |
Net Margin % | 12.72% | 14.13% | 9.29% | 16.04% | 27.54% | 10.21% | -26.23% | -8.85% | 7.11% |
Net Income Growth % | 386.48% | 36.1% | 0.44% | 286.38% | 196.55% | -66.97% | -398.7% | 70.28% | 169.61% |
Net Income (Continuing) | 3.35M | 4.57M | 4.6M | 17.84M | 52.62M | 17M | -51.77M | -15.38M | 10.71M |
EPS (Diluted) | 0.81▲ 0% | 1.11▲ 37.0% | 0.77▼ 30.6% | 2.07▲ 168.8% | 2.94▲ 42.0% | 1.47▼ 50.0% | -2.73▼ 285.7% | -0.31▲ 88.6% | 0.11▲ 135.5% |
EPS Growth % | 285.71% | 37.04% | -30.63% | 168.83% | 42.03% | -50% | -285.71% | 88.64% | 135.48% |
EPS (Basic) | 0.81 | 1.11 | 0.77 | 2.07 | 2.94 | 1.47 | -2.73 | -0.31 | 0.11 |
Diluted Shares Outstanding | 4.13M | 4.17M | 6.22M | 8.54M | 17.85M | 18.99M | 18.94M | 49.12M | 106.1M |
Blue Ridge Bankshares, Inc. (BRBS) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 9.63M | 53.07M | 168.6M | 227.42M | 504.08M | 431.62M | 431.57M | 485.57M | 448.88M |
Cash & Due from Banks | 9.63M | 15.03M | 60.03M | 117.94M | 130.55M | 77.27M | 110.49M | 173.53M | 115.95M |
Short Term Investments | 0 | 38.05M | 108.57M | 109.47M | 373.53M | 354.34M | 321.08M | 312.04M | 332.93M |
Total Investments | 20.43M | 494.13M | 819.26M | 1.28B | 2.32B | 757.13M | 2.8B | 2.46B | 332.93M |
Investments Growth % | -25.83% | 2318.69% | 65.8% | 56.1% | 81.48% | -67.38% | 270.46% | -12.44% | -86.44% |
Long-Term Investments | 20.43M | 456.09M | 710.69M | 1.17B | 1.95B | 402.79M | 2.48B | 2.14B | 0 |
Accounts Receivables | 0 | 0 | 2.59M | 5.43M | 9.57M | 11.57M | 14.97M | 12.54M | 10.79M |
Goodwill & Intangibles | 2.84M | 2.69M | 23.63M | 29.29M | 50.89M | 62.4M | 32.5M | 4.25M | 2.64M |
Goodwill | 2.09M | 2.69M | 19.91M | 19.62M | 26.83M | 26.83M | 0 | 0 | 0 |
Intangible Assets | 745.8K | 0 | 3.72M | 9.66M | 24.06M | 35.57M | 32.5M | 4.25M | 2.64M |
PP&E (Net) | 2.28M | 3.34M | 20.27M | 20.16M | 32.94M | 30.05M | 31.09M | 29.36M | 28.19M |
Other Assets | 387.46M | 24.39M | 33.32M | 38.08M | 120.2M | 0 | 102.11M | 34.25M | 0 |
Total Current Assets | 10.68M | 53.07M | 172.9M | 241.36M | 513.65M | 443.18M | 446.54M | 498.11M | 459.66M |
Total Non-Current Assets | 413.44M | 486.52M | 787.92M | 1.26B | 2.15B | 495.24M | 2.67B | 2.24B | 53.55M |
Total Assets | 424.12M▲ 0% | 539.59M▲ 27.2% | 960.81M▲ 78.1% | 1.5B▲ 55.9% | 2.67B▲ 77.9% | 3.13B▲ 17.5% | 3.12B▼ 0.4% | 2.74B▼ 12.2% | 2.43B▼ 11.1% |
Asset Growth % | 1.43% | 27.23% | 78.06% | 55.94% | 77.88% | 17.46% | -0.41% | -12.2% | -11.13% |
Return on Assets (ROA) | 0.8% | 0.95% | 0.61% | 1.44% | 2.52% | 0.6% | -1.66% | -0.53% | 0.41% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 45.78M | 82.87M | 134.6M | 145.01M | 57.75M | 359.48M | 259.47M | 198.4M | 179.18M |
Net Debt | 36.15M | 67.84M | 74.57M | 27.07M | -72.8M | 282.21M | 148.98M | 24.87M | 63.23M |
Long-Term Debt | 18.82M | 82.87M | 134.6M | 139.51M | 50.1M | 351.62M | 249.85M | 189.79M | 171.95M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 218.86M | 2.08M | 11.84M | 299.94M | 32.48M | 2.52B | 106.06M | 31.63M | -179.18M |
Total Current Liabilities | 150M | 415.03M | 722.03M | 945.11M | 2.3B | 0 | 2.57B | 2.18B | 0 |
Total Non-Current Liabilities | 237.68M | 84.94M | 146.44M | 444.95M | 90.23M | 2.88B | 365.53M | 230.03M | 0 |
Total Liabilities | 387.68M | 499.97M | 868.47M | 1.39B | 2.39B | 2.88B | 2.93B | 2.41B | 2.11B |
Total Equity | 36.44M▲ 0% | 39.62M▲ 8.7% | 92.34M▲ 133.1% | 108.2M▲ 17.2% | 277.14M▲ 156.1% | 248.79M▼ 10.2% | 185.99M▼ 25.2% | 327.79M▲ 76.2% | 323.69M▼ 1.2% |
Equity Growth % | 8.37% | 8.72% | 133.05% | 17.18% | 156.14% | -10.23% | -25.24% | 76.24% | -1.25% |
Equity / Assets (Capital Ratio) | 8.59% | 7.34% | 9.61% | 7.22% | 10.4% | 7.95% | 5.97% | 11.98% | 13.31% |
Return on Equity (ROE) | 9.56% | 11.99% | 6.94% | 17.65% | 27.24% | 6.59% | -23.82% | -5.99% | 3.29% |
Book Value per Share | 8.83 | 9.50 | 14.84 | 12.68 | 15.53 | 13.10 | 9.82 | 6.67 | 3.05 |
Tangible BV per Share | 8.14 | 8.86 | 11.04 | 9.25 | 12.67 | 9.82 | 8.10 | 6.59 | 3.03 |
Common Stock | 16.32M | 16.45M | 66.2M | 66.77M | 194.31M | 195.96M | 197.64M | 322.79M | 331.92M |
Additional Paid-in Capital | 194.86K | 252K | 252K | 252K | 252K | 252K | 252K | 29.69M | 23.55M |
Retained Earnings | 20.19M | 23.32M | 25.43M | 40.69M | 85.98M | 97.68M | 33.16M | 17.77M | -659K |
Accumulated OCI | -466.58K | -618K | 229K | 264K | -3.63M | -45.1M | -45.06M | -42.46M | -31.12M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Blue Ridge Bankshares, Inc. (BRBS) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 45.66M | -4.57M | -20.58M | -108.34M | 59.21M | 93.93M | 44.06M | -6.31M | 13.63M |
Operating CF Growth % | 2267.97% | -110.01% | -350.49% | -426.36% | 154.65% | 58.63% | -53.1% | -114.32% | 315.93% |
Net Income | 3.35M | 4.57M | 4.6M | 17.7M | 52.48M | 17.33M | -51.77M | -15.38M | 10.71M |
Depreciation & Amortization | 812.27K | 919.47K | 994K | 1.55M | 3.81M | 3.5M | 2.99M | 2.62M | 0 |
Deferred Taxes | 0 | -9K | -85K | -1.68M | 1.92M | -20K | -7.05M | -6.19M | 0 |
Other Non-Cash Items | 38.99M | -6.88M | -25.59M | -111.56M | -431K | 67.46M | 93.46M | 37.15M | 4.91M |
Working Capital Changes | 2.29M | -3.3M | -738K | -14.35M | 1.43M | 5.66M | 6.43M | -24.5M | -1.99M |
Cash from Investing | -50.37M | -101.95M | -94.68M | -340.88M | 52.48M | -628.18M | -23.21M | 419.03M | 241.86M |
Purchase of Investments | -15.44M | -16.54M | -71.91M | -45.07M | -276.51M | -79.57M | -5.13M | -18.22M | 0 |
Sale/Maturity of Investments | 10.64M | 7.19M | 47.68M | 54.81M | 71.8M | 32.66M | 40.83M | 40.23M | 0 |
Net Investment Activity | -4.8M | -9.35M | -24.24M | 9.74M | -204.71M | -46.92M | 35.7M | 22.01M | 0 |
Acquisitions | 0 | 0 | -6.97M | 0 | 44.07M | 0 | 250K | 0 | 0 |
Other Investing | -42.38M | -91.11M | -62.35M | -347.61M | 214.34M | -580.81M | -58.2M | 397.61M | 241.86M |
Cash from Financing | 1.13M | 111.23M | 160.26M | 507.14M | -99.09M | 480.98M | 23.03M | -357.88M | -315.52M |
Dividends Paid | -880.44K | -1.5M | -2.47M | -2.44M | -7.18M | -9.18M | -4.64M | 0 | -22.59M |
Share Repurchases | 0 | 0 | 0 | -759K | 0 | 0 | 0 | 0 | -9.51M |
Stock Issued | 53.53K | 128.77K | 22.12M | 759K | 804K | 87K | 103K | 152.14M | 9.76M |
Net Stock Activity | 53.53K | 128.77K | 22.12M | 0 | 804K | 87K | 103K | 152.14M | 252K |
Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
Other Financing | -1.54M | 75.59M | 88.92M | 504.38M | 325M | 188.37M | 64.32M | -450.02M | -268.18M |
Net Change in Cash | -3.78M▲ 0% | 4.71M▲ 224.5% | 45M▲ 856.0% | 57.92M▲ 28.7% | 12.6M▼ 78.2% | -53.27M▼ 522.7% | 43.88M▲ 182.4% | 54.84M▲ 25.0% | -60.04M▼ 209.5% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 14.1M | 10.32M | 15.03M | 60.03M | 117.94M | 130.55M | 77.27M | 121.15M | 175.99M |
Cash at End | 10.32M | 15.03M | 60.03M | 117.94M | 130.55M | 77.27M | 121.15M | 175.99M | 115.95M |
Interest Paid | 0 | 4.99M | 9.09M | 10.03M | 11.58M | 16.01M | 67.87M | 83.53M | 61.14M |
Income Taxes Paid | 0 | 1.35M | 1.02M | 2M | 10.13M | 2.08M | 6.66M | 0 | 6.58M |
Free Cash Flow | 42.46M▲ 0% | -6.67M▼ 115.7% | -22.32M▼ 234.9% | -111.35M▼ 398.8% | 58M▲ 152.1% | 93.48M▲ 61.2% | 43.09M▼ 53.9% | -6.9M▼ 116.0% | 3.74M▲ 154.3% |
FCF Growth % | 1053.51% | -115.7% | -234.93% | -398.81% | 152.08% | 61.18% | -53.9% | -116.01% | 154.28% |
Blue Ridge Bankshares, Inc. (BRBS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 2.39% | 9.56% | 11.99% | 6.94% | 17.65% | 27.24% | 6.59% | -23.82% | -5.99% | 3.29% |
Return on Assets (ROA) | 0.2% | 0.8% | 0.95% | 0.61% | 1.44% | 2.52% | 0.6% | -1.66% | -0.53% | 0.41% |
Net Interest Margin | 0% | 0% | 3.2% | 2.22% | 2.97% | 3.47% | 3.34% | 2.98% | 2.87% | 3.24% |
Efficiency Ratio | 27.52% | 48.3% | 62.52% | 65.86% | 60.95% | 58.25% | 61.73% | 80.02% | 65.47% | 54.39% |
Equity / Assets | 8.04% | 8.59% | 7.34% | 9.61% | 7.22% | 10.4% | 7.95% | 5.97% | 11.98% | 13.31% |
Book Value / Share | 10.06 | 8.83 | 9.5 | 14.84 | 12.68 | 15.53 | 13.1 | 9.82 | 6.67 | 3.05 |
NII Growth | - | - | - | 23.61% | 108.3% | 107.78% | 13.07% | -11.02% | -15.46% | 0.25% |
Dividend Payout | 102.86% | 26.28% | 32.92% | 54% | 13.77% | 13.69% | 52.93% | - | - | 210.99% |
Blue Ridge Bankshares, Inc. (BRBS) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Apr 20, 2026·SEC
Mar 30, 2026·SEC
Blue Ridge Bankshares, Inc. (BRBS) stock FAQ — growth, dividends, profitability & financials explained
Blue Ridge Bankshares, Inc. (BRBS) saw revenue decline by 13.4% over the past year.
Yes, Blue Ridge Bankshares, Inc. (BRBS) is profitable, generating $10.7M in net income for fiscal year 2025 (7.1% net margin).
Yes, Blue Ridge Bankshares, Inc. (BRBS) pays a dividend with a yield of 6.36%. This makes it attractive for income-focused investors.
Blue Ridge Bankshares, Inc. (BRBS) has a return on equity (ROE) of 3.3%. This is below average, suggesting room for improvement.
Blue Ridge Bankshares, Inc. (BRBS) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Blue Ridge Bankshares, Inc. (BRBS) has an efficiency ratio of 54.4%. This is excellent, indicating strong cost control.