Latest Ratios: P/E Ratio 34.6x · EV/EBITDA 27.0x · ROE 3.3%. (2012–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $343M | $453M | $158M | $57M | $237M | $320M | $101M | $87M | $48M | $47M | $34M |
| Enterprise Value | $406M | $516M | $183M | $206M | $519M | $247M | $128M | $161M | $116M | $83M | $61M |
| P/E Ratio → | 34.64 | 38.82 | — | — | 13.88 | 6.09 | 5.74 | 18.14 | 10.36 | 13.99 | 48.15 |
| P/S Ratio | 3.74 | 4.94 | 1.71 | 0.47 | 1.55 | 1.78 | 1.01 | 2.18 | 1.77 | 1.78 | 2.12 |
| P/B Ratio | 1.25 | 1.40 | 0.48 | 0.31 | 0.95 | 1.15 | 0.94 | 0.94 | 1.21 | 1.28 | 1.00 |
| P/FCF | 28.68 | 37.92 | — | 1.33 | 2.54 | 5.51 | — | — | — | 1.10 | — |
| P/OCF | 25.14 | 33.25 | — | 1.30 | 2.52 | 5.40 | — | — | — | 1.02 | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 5.63 | 1.98 | 1.70 | 3.40 | 1.37 | 1.28 | 4.06 | 4.27 | 3.15 | 3.80 |
| EV / EBITDA | 27.02 | 34.38 | — | — | 20.21 | 3.42 | 5.30 | 24.57 | 17.44 | 13.22 | 37.51 |
| EV / EBIT | 29.46 | 37.48 | — | — | 23.40 | 3.61 | 5.66 | 28.95 | 20.24 | 15.19 | 48.71 |
| EV / FCF | — | 43.22 | — | 4.79 | 5.56 | 4.25 | — | — | — | 1.95 | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 104.4% | 104.4% | 105.5% | 81.6% | 83.2% | 99.9% | 89.6% | 95.6% | 95.5% | 100.0% | 100.0% |
| Operating Margin | 15.0% | 15.0% | -17.9% | -48.5% | 14.5% | 38.1% | 22.6% | 14.0% | 21.1% | 20.7% | 7.8% |
| Net Profit Margin | 11.7% | 11.7% | -16.7% | -42.6% | 11.4% | 29.2% | 17.6% | 11.5% | 16.8% | 12.7% | 4.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 3.3% | 3.3% | -6.0% | -23.8% | 6.6% | 27.2% | 17.6% | 6.9% | 12.0% | 9.6% | 2.4% |
| ROA | 0.4% | 0.4% | -0.5% | -1.7% | 0.6% | 2.5% | 1.4% | 0.6% | 0.9% | 0.8% | 0.2% |
| ROIC | 2.0% | 2.0% | -2.5% | -8.4% | 3.5% | 17.4% | 7.1% | 2.4% | 4.2% | 5.2% | 1.3% |
| ROCE | 0.5% | 0.5% | -3.0% | -10.5% | 0.8% | 14.9% | 5.7% | 3.1% | 2.9% | 2.0% | 0.6% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.55 | 0.55 | 0.61 | 1.40 | 1.44 | 0.21 | 1.34 | 1.46 | 2.09 | 1.26 | 1.26 |
| Debt / EBITDA | 11.93 | 11.93 | — | — | 13.99 | 0.80 | 5.99 | 20.48 | 12.48 | 7.30 | 26.21 |
| Net Debt / Equity | — | 0.20 | 0.08 | 0.80 | 1.13 | -0.26 | 0.25 | 0.81 | 1.71 | 0.99 | 0.80 |
| Net Debt / EBITDA | 4.21 | 4.21 | — | — | 10.98 | -1.01 | 1.12 | 11.35 | 10.22 | 5.76 | 16.58 |
| Debt / FCF | — | 5.29 | — | 3.46 | 3.02 | -1.26 | — | — | — | 0.85 | — |
| Interest Coverage | 0.23 | 0.23 | -0.20 | -0.77 | 1.30 | 6.18 | 2.28 | 0.59 | 1.11 | — | — |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | 0.23 | 0.17 | — | 0.22 | 0.26 | 0.24 | 0.13 | 0.07 | 0.12 |
| Quick Ratio | — | — | 0.23 | 0.17 | — | 0.22 | 0.26 | 0.24 | 0.13 | 0.07 | 0.12 |
| Cash Ratio | — | — | 0.08 | 0.04 | — | 0.06 | 0.12 | 0.08 | 0.04 | 0.06 | 0.11 |
| Asset Turnover | — | 0.04 | 0.03 | 0.04 | 0.05 | 0.07 | 0.07 | 0.04 | 0.05 | 0.06 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 5.6% | 5.0% | — | 8.1% | 3.9% | 2.2% | 2.4% | 2.8% | 3.1% | 1.9% | 2.1% |
| Payout Ratio | 211.0% | 211.0% | — | — | 52.9% | 13.7% | 13.8% | 54.0% | 32.9% | 26.3% | 102.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 2.9% | 2.6% | — | — | 7.2% | 16.4% | 17.4% | 5.5% | 9.7% | 7.1% | 2.1% |
| FCF Yield | 3.5% | 2.6% | — | 75.1% | 39.4% | 18.2% | — | — | — | 90.8% | — |
| Buyback Yield | 2.8% | 2.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.7% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 8.4% | 7.1% | 0.0% | 8.1% | 3.9% | 2.2% | 3.2% | 2.8% | 3.1% | 1.9% | 2.1% |
| Shares Outstanding | — | $106M | $49M | $19M | $19M | $18M | $9M | $6M | $4M | $4M | $3M |
Includes 30+ ratios · 14 years · Updated daily
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Quick answers to the most common questions about buying BRBS stock.
Blue Ridge Bankshares, Inc.'s current P/E ratio is 34.6x. The historical average is 15.9x. This places it at the 83th percentile of its historical range.
Blue Ridge Bankshares, Inc.'s current EV/EBITDA is 27.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.0x.
Blue Ridge Bankshares, Inc.'s return on equity (ROE) is 3.3%. The historical average is 6.5%.
Based on historical data, Blue Ridge Bankshares, Inc. is trading at a P/E of 34.6x. This is at the 83th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Blue Ridge Bankshares, Inc.'s current dividend yield is 5.59% with a payout ratio of 211.0%.
Blue Ridge Bankshares, Inc. has 104.4% gross margin and 15.0% operating margin. Operating margin between 10-20% is typical for established companies.
Blue Ridge Bankshares, Inc.'s Debt/EBITDA ratio is 11.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.
Key Metrics
Top Statement Risk
Regulatory consent order constraints
Metrics are mathematically derived from official filings.
Regulatory Discount Masks Franchise Value
According to recent market data, BRBS trades at a P/B of 1.18, a multiple that appears to reflect significant investor skepticism regarding the bank's ability to resolve its ongoing OCC consent order and restore historical profitability levels relative to its Virginia-based community banking peers.
The current valuation suggests the market is pricing the bank as a distressed asset rather than a going concern with a viable BaaS franchise. Investors should monitor whether the recent capital infusion provides a sufficient floor to prevent further multiple compression as the bank pivots toward a more conservative operating model.
DuPont Analysis Reveals Profitability Headwinds
As reported in financial statements, the bank's ROE has struggled to maintain positive territory, fluctuating near 0.3% in 2026Q1, which indicates that the combination of compressed NIM and elevated non-interest expenses has severely hampered the bank's ability to generate meaningful returns on its tangible equity base.
The decomposition of profitability highlights that the bank's reliance on non-interest income is currently insufficient to offset the high cost of regulatory compliance. The lack of operating leverage suggests that until the efficiency ratio improves from its current 59.1% level, ROE will likely remain suppressed regardless of asset growth.
Margin Compression Limits Operating Leverage
Based on the provided quarterly data, the net interest margin has remained stubbornly low at 0.7% through 2026Q1, suggesting that the bank's funding costs are effectively neutralizing any yield benefits from its loan portfolio in the current high-rate environment.
The efficiency ratio, which peaked above 70% during periods of intense regulatory scrutiny, remains a primary drag on core earnings. The bank's inability to expand its NIM indicates a structural challenge in its funding mix, likely exacerbated by the need to retain deposits under the constraints of its current regulatory enforcement.
Capital Position Stabilized by Infusion
As indicated by recent regulatory filings, the equity-to-assets ratio has recovered to 0.11 as of 2026Q1, a necessary improvement that follows the dilutive capital raise required to address the bank's weakened capital position and satisfy regulatory minimums imposed by the OCC.
While the capital position appears more stable than in previous quarters, the bank remains constrained in its ability to deploy capital for growth or shareholder returns. The current capital structure warrants further investigation to determine if it provides enough cushion to absorb potential credit losses from the legacy loan book.
Misapplication of P/E Multiples
Investors frequently misapply the P/E ratio to BRBS, which obscures the bank's true earnings power by failing to account for the extreme volatility in provision expenses and non-recurring remediation costs that have dominated the income statement over the last ten quarters.
Because the P/E ratio is highly sensitive to these transient accounting charges, it provides a misleading picture of the bank's underlying profitability. A more appropriate valuation approach for this institution would focus on P/TBV, which better captures the tangible capital base and the potential for recovery as the bank works through its regulatory remediation.