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BRBS logoBlue Ridge Bankshares, Inc.(BRBS)Earnings, Financials & Key Ratios

BRBS•AMEX•Banking & Credit
$3.43
$314M mkt cap·31.2× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryMortgage originators and servicers
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+0.3%
  • Total Revenue$151M-13.4%
  • Net Income$11M+169.6%
  • Return on Equity3.29%+154.9%
  • Net Interest Margin3.24%+12.8%
  • Efficiency Ratio54.39%-16.9%
  • ROA0.41%+178.8%
  • Equity / Assets13.31%+11.1%
  • Book Value per Share3.05-54.3%
  • Tangible BV/Share3.03-54.1%
  • Debt/Equity0.55-8.5%
Technical→

BRBS Key Insights

Blue Ridge Bankshares, Inc. (BRBS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 54.4% efficiency ratio
  • ✓Well capitalized: 13.3% equity/assets
  • ✓Trading at only 1.1x book value

✗Weaknesses

  • ✗Dividend payout exceeds 100% of earnings
  • ✗Shares diluted 100.0% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BRBS Price & Volume

Blue Ridge Bankshares, Inc. (BRBS) stock price & volume — 10-year historical chart

Loading chart...

BRBS Growth Metrics

Blue Ridge Bankshares, Inc. (BRBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years31.9%
5 Years6.43%
3 Years-3.91%
TTM-

Profit CAGR

10 Years15.88%
5 Years-9.56%
3 Years-14.83%
TTM169.61%

EPS CAGR

10 Years-18%
5 Years-44.4%
3 Years-57.86%
TTM117.77%

Return on Capital

10 Years1.69%
5 Years0.53%
3 Years-4.33%
Last Year0.53%

BRBS Recent Earnings

Blue Ridge Bankshares, Inc. (BRBS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
Apr 23, 2026
EPS
$0.02
Revenue
$32M
Q2 2026
Mar 12, 2026
EPS
$0.04
Revenue
$34M
Q1 2026
Jan 29, 2026
EPS
$0.04
Revenue
$34M
Q4 2025
Oct 22, 2025
EPS
$0.06
Revenue
$36M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.02
$32M
Q2 2026Mar 12, 2026
$0.04
$34M
Q1 2026Jan 29, 2026
$0.04
$34M
Q4 2025Oct 22, 2025
$0.06
$36M
Based on last 12 quarters of dataView full earnings history →

BRBS Peer Comparison

Blue Ridge Bankshares, Inc. (BRBS) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
CARE logoCARECarter Bankshares, Inc.Direct Competitor579.93M26.1718.696.24%7.65%0.43
NKSH logoNKSHNational Bankshares, Inc.Direct Competitor233.78M36.7114.747.88%9.04%0.01
MNSB logoMNSBMainStreet Bancshares, Inc.Direct Competitor175.12M23.3613.27-1.44%7.26%0.32
UBSI logoUBSIUnited Bankshares, Inc.Product Competitor6.11B43.7213.3712.33%8.6%0.17
FFIN logoFFINFirst Financial Bankshares, Inc.Product Competitor4.64B32.6020.9018.79%13.25%0.12
FXNC logoFXNCFirst National CorporationProduct Competitor248.63M27.5014.0327.11%9.98%0.23
CFFI logoCFFIC&F Financial CorporationProduct Competitor240.93M74.008.9311.78%10.82%0.44

Compare BRBS vs Peers

Blue Ridge Bankshares, Inc. (BRBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for BRBS.

Scale Benchmark

vs FICO

Larger-name benchmark to compare BRBS against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CARE, NKSH, MNSB

BRBS Income Statement

Blue Ridge Bankshares, Inc. (BRBS) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income017.29M21.37M44.51M92.48M104.57M93.04M78.66M78.86M
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 Income022.44M30.89M54.46M103.55M121.65M169M160.32M137.77M
Interest Expense05.15M9.52M9.95M11.06M17.09M75.95M81.66M58.91M
Loan Loss Provision01.23M1.74M10.45M117K25.69M22.32M-5.1M-4M
Non-Interest Income26.33M9.83M18.43M55.85M86.99M48.09M28.38M13.57M12.84M
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 Expense12.72M20.17M32.48M67.24M110.99M104.78M157.94M113.84M81.92M
Efficiency Ratio48.3%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 Tax2.06M1.15M973K4.84M15.74M5.2M-7.07M-1.12M3.07M
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)3.35M4.57M4.6M17.84M52.62M17M-51.77M-15.38M10.71M
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)0.811.110.772.072.941.47-2.73-0.310.11
Diluted Shares Outstanding4.13M4.17M6.22M8.54M17.85M18.99M18.94M49.12M106.1M

BRBS Balance Sheet

Blue Ridge Bankshares, Inc. (BRBS) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments9.63M53.07M168.6M227.42M504.08M431.62M431.57M485.57M448.88M
Cash & Due from Banks9.63M15.03M60.03M117.94M130.55M77.27M110.49M173.53M115.95M
Short Term Investments038.05M108.57M109.47M373.53M354.34M321.08M312.04M332.93M
Total Investments20.43M494.13M819.26M1.28B2.32B757.13M2.8B2.46B332.93M
Investments Growth %-25.83%2318.69%65.8%56.1%81.48%-67.38%270.46%-12.44%-86.44%
Long-Term Investments20.43M456.09M710.69M1.17B1.95B402.79M2.48B2.14B0
Accounts Receivables002.59M5.43M9.57M11.57M14.97M12.54M10.79M
Goodwill & Intangibles2.84M2.69M23.63M29.29M50.89M62.4M32.5M4.25M2.64M
Goodwill2.09M2.69M19.91M19.62M26.83M26.83M000
Intangible Assets745.8K03.72M9.66M24.06M35.57M32.5M4.25M2.64M
PP&E (Net)2.28M3.34M20.27M20.16M32.94M30.05M31.09M29.36M28.19M
Other Assets387.46M24.39M33.32M38.08M120.2M0102.11M34.25M0
Total Current Assets10.68M53.07M172.9M241.36M513.65M443.18M446.54M498.11M459.66M
Total Non-Current Assets413.44M486.52M787.92M1.26B2.15B495.24M2.67B2.24B53.55M
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 Payable000000000
Total Debt45.78M82.87M134.6M145.01M57.75M359.48M259.47M198.4M179.18M
Net Debt36.15M67.84M74.57M27.07M-72.8M282.21M148.98M24.87M63.23M
Long-Term Debt18.82M82.87M134.6M139.51M50.1M351.62M249.85M189.79M171.95M
Short-Term Debt000000000
Other Liabilities218.86M2.08M11.84M299.94M32.48M2.52B106.06M31.63M-179.18M
Total Current Liabilities150M415.03M722.03M945.11M2.3B02.57B2.18B0
Total Non-Current Liabilities237.68M84.94M146.44M444.95M90.23M2.88B365.53M230.03M0
Total Liabilities387.68M499.97M868.47M1.39B2.39B2.88B2.93B2.41B2.11B
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 Share8.839.5014.8412.6815.5313.109.826.673.05
Tangible BV per Share8.148.8611.049.2512.679.828.106.593.03
Common Stock16.32M16.45M66.2M66.77M194.31M195.96M197.64M322.79M331.92M
Additional Paid-in Capital194.86K252K252K252K252K252K252K29.69M23.55M
Retained Earnings20.19M23.32M25.43M40.69M85.98M97.68M33.16M17.77M-659K
Accumulated OCI-466.58K-618K229K264K-3.63M-45.1M-45.06M-42.46M-31.12M
Treasury Stock000000000
Preferred Stock000000000

BRBS Cash Flow Statement

Blue Ridge Bankshares, Inc. (BRBS) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations45.66M-4.57M-20.58M-108.34M59.21M93.93M44.06M-6.31M13.63M
Operating CF Growth %2267.97%-110.01%-350.49%-426.36%154.65%58.63%-53.1%-114.32%315.93%
Net Income3.35M4.57M4.6M17.7M52.48M17.33M-51.77M-15.38M10.71M
Depreciation & Amortization812.27K919.47K994K1.55M3.81M3.5M2.99M2.62M0
Deferred Taxes0-9K-85K-1.68M1.92M-20K-7.05M-6.19M0
Other Non-Cash Items38.99M-6.88M-25.59M-111.56M-431K67.46M93.46M37.15M4.91M
Working Capital Changes2.29M-3.3M-738K-14.35M1.43M5.66M6.43M-24.5M-1.99M
Cash from Investing-50.37M-101.95M-94.68M-340.88M52.48M-628.18M-23.21M419.03M241.86M
Purchase of Investments-15.44M-16.54M-71.91M-45.07M-276.51M-79.57M-5.13M-18.22M0
Sale/Maturity of Investments10.64M7.19M47.68M54.81M71.8M32.66M40.83M40.23M0
Net Investment Activity-4.8M-9.35M-24.24M9.74M-204.71M-46.92M35.7M22.01M0
Acquisitions00-6.97M044.07M0250K00
Other Investing-42.38M-91.11M-62.35M-347.61M214.34M-580.81M-58.2M397.61M241.86M
Cash from Financing1.13M111.23M160.26M507.14M-99.09M480.98M23.03M-357.88M-315.52M
Dividends Paid-880.44K-1.5M-2.47M-2.44M-7.18M-9.18M-4.64M0-22.59M
Share Repurchases000-759K0000-9.51M
Stock Issued53.53K128.77K22.12M759K804K87K103K152.14M9.76M
Net Stock Activity53.53K128.77K22.12M0804K87K103K152.14M252K
Debt Issuance (Net)1000K1000K1000K1000K-1000K1000K-1000K-1000K-1000K
Other Financing-1.54M75.59M88.92M504.38M325M188.37M64.32M-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 Effect000000000
Cash at Beginning14.1M10.32M15.03M60.03M117.94M130.55M77.27M121.15M175.99M
Cash at End10.32M15.03M60.03M117.94M130.55M77.27M121.15M175.99M115.95M
Interest Paid04.99M9.09M10.03M11.58M16.01M67.87M83.53M61.14M
Income Taxes Paid01.35M1.02M2M10.13M2.08M6.66M06.58M
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%

BRBS Banking Ratios

Blue Ridge Bankshares, Inc. (BRBS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin0%0%3.2%2.22%2.97%3.47%3.34%2.98%2.87%3.24%
Efficiency Ratio27.52%48.3%62.52%65.86%60.95%58.25%61.73%80.02%65.47%54.39%
Equity / Assets8.04%8.59%7.34%9.61%7.22%10.4%7.95%5.97%11.98%13.31%
Book Value / Share10.068.839.514.8412.6815.5313.19.826.673.05
NII Growth---23.61%108.3%107.78%13.07%-11.02%-15.46%0.25%
Dividend Payout102.86%26.28%32.92%54%13.77%13.69%52.93%--210.99%

BRBS SEC Filings & Documents

Blue Ridge Bankshares, Inc. (BRBS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 20, 2026·SEC

Material company update

Mar 30, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 10, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 6, 2025·SEC

FY 2025

May 7, 2025·SEC

BRBS Frequently Asked Questions

Blue Ridge Bankshares, Inc. (BRBS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

Yes, Blue Ridge Bankshares, Inc. (BRBS) pays a dividend with a yield of 6.21%. 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.

Industry Metrics

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.

Explore More BRBS

Blue Ridge Bankshares, Inc. (BRBS) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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