Blue Ridge Bankshares, Inc. (BRBS) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
24.93
↑+29% vs avg
5yr avg: 19.34
30Y Low3.4·High51.5
P/FCF
↑
83.08
↑+155% vs avg
5yr avg: 32.60
30Y Low1.1·High121.0
P/B Ratio
↑
1.11
↑+30% vs avg
5yr avg: 0.86
30Y Low0.3·High1.4
ROE
↓
3.3%
↓+125% vs avg
5yr avg: 1.5%
30Y Low-24%·High27%
Debt/EBITDA
↑
11.93
↑+34% vs avg
5yr avg: 8.91
30Y Low0.8·High39.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BRBS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Blue Ridge Bankshares, Inc. trades at 30.9x earnings, 74% above its 5-year average of 17.8x, sitting at the 83rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 127%. On a free-cash-flow basis, the stock trades at 83.1x P/FCF, 155% above the 5-year average of 32.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $311M | $453M | $158M | $57M | $237M | $320M | $101M | $87M | $48M | $47M | $34M |
| Enterprise Value | $374M | $516M | $183M | $206M | $519M | $247M | $128M | $161M | $116M | $83M | $61M |
| P/E Ratio → | 30.91 | 38.82 | — | — | 8.50 | 6.09 | 5.74 | 18.14 | 10.36 | 13.99 | 48.15 |
| P/S Ratio | 2.07 | 3.01 | 0.91 | 0.29 | 1.40 | 1.68 | 0.92 | 1.76 | 1.49 | 1.78 | 2.12 |
| P/B Ratio | 1.11 | 1.40 | 0.48 | 0.31 | 0.95 | 1.15 | 0.94 | 0.94 | 1.21 | 1.28 | 1.00 |
| P/FCF | 83.08 | 121.01 | — | 1.33 | 2.54 | 5.51 | — | — | — | 1.10 | — |
| P/OCF | 22.83 | 33.25 | — | 1.30 | 2.52 | 5.40 | — | — | — | 1.02 | — |
P/E links to full P/E history page with 30-year chart
BRBS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Blue Ridge Bankshares, Inc.'s enterprise value stands at 24.9x EBITDA, 29% above its 5-year average of 19.3x. The Financial Services sector median is 11.4x, placing the stock at a 118% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.43 | 1.05 | 1.05 | 3.06 | 1.29 | 1.16 | 3.27 | 3.59 | 3.15 | 3.80 |
| EV / EBITDA | 24.93 | 34.38 | — | — | 20.21 | 3.42 | 5.30 | 24.57 | 17.44 | 13.22 | 37.51 |
| EV / EBIT | 27.17 | 37.48 | — | — | 23.40 | 3.61 | 5.66 | 28.95 | 20.24 | 15.19 | 48.71 |
| EV / FCF | — | 137.90 | — | 4.79 | 5.56 | 4.25 | — | — | — | 1.95 | — |
BRBS Profitability
Margins and return-on-capital ratios measuring operating efficiency
Blue Ridge Bankshares, Inc. earns an operating margin of 9.1%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -29.8% to 9.1% over the past 3 years, signaling improving operational efficiency. ROE of 3.3% is modest, trailing the sector median of 9.0%. ROIC of 2.0% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
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 | 63.5% | 63.5% | 56.0% | 50.2% | 74.8% | 94.1% | 81.5% | 77.2% | 80.2% | 100.0% | 100.0% |
| Operating Margin | 9.1% | 9.1% | -9.5% | -29.8% | 13.1% | 35.9% | 20.6% | 11.3% | 17.7% | 20.7% | 7.8% |
| Net Profit Margin | 7.1% | 7.1% | -8.8% | -26.2% | 10.2% | 27.5% | 16.0% | 9.3% | 14.1% | 12.7% | 4.3% |
Return on Capital
| 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% |
BRBS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Blue Ridge Bankshares, Inc. carries a Debt/EBITDA ratio of 11.9x, which is highly leveraged (180% above the sector average of 4.3x). Net debt stands at $63M ($179M total debt minus $116M cash). Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| 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 | — | 16.89 | — | 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 | — | — |
BRBS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio has improved from 0.17x to 0.23x over the past 3 years.
| 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 | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.07 | 0.07 | 0.05 | 0.06 | 0.06 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BRBS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Blue Ridge Bankshares, Inc. returns 9.3% to shareholders annually — split between a 6.3% dividend yield and 3.1% buyback yield. The payout ratio exceeds 100% at 211.0%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 3.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | 6.3% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 211.0% | 211.0% | — | — | 52.9% | 13.7% | 13.8% | 54.0% | 32.9% | 26.3% | 102.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.2% | 2.6% | — | — | 11.8% | 16.4% | 17.4% | 5.5% | 9.7% | 7.1% | 2.1% |
| FCF Yield | 1.2% | 0.8% | — | 75.1% | 39.4% | 18.2% | — | — | — | 90.8% | — |
| Buyback Yield | 3.1% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 9.3% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $106M | $49M | $19M | $19M | $18M | $9M | $6M | $4M | $4M | $3M |
Peer Comparison
Compare BRBS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BRBSYou | $311M | 30.9 | 24.9 | 83.1 | 63.5% | 9.1% | 3.3% | 2.0% | 11.9 |
 NBTB | $2B | 14.2 | 10.8 | 11.3 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CARE | $698M | 22.5 | 19.3 | 22.0 | 61.7% | 15.7% | 7.8% | 5.7% | 4.5 |
 NKSH | $227M | 14.3 | 11.5 | 15.0 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 MNSB | $178M | 13.7 | 11.6 | 16.7 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 UBSI | $6B | 13.7 | 7.9 | 13.0 | 65.4% | 32.4% | 8.9% | 7.2% | 1.6 |
 FFIN | $5B | 18.7 | 11.5 | 15.5 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 CFFI | $247M | 9.1 | 10.5 | 11.1 | 69.5% | 17.8% | 11.0% | 6.8% | 3.5 |
 FICO | $25B | 41.1 | 30.0 | 32.9 | 82.2% | 46.5% | — | 59.7% | 3.3 |
 FIS | $19B | 50.3 | 6.3 | 6.9 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 14 years · Updated daily
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BRBS — Frequently Asked Questions
Quick answers to the most common questions about buying BRBS stock.
What is Blue Ridge Bankshares, Inc.'s P/E ratio?
Blue Ridge Bankshares, Inc.'s current P/E ratio is 30.9x. The historical average is 15.4x. This places it at the 83th percentile of its historical range.
What is Blue Ridge Bankshares, Inc.'s EV/EBITDA?
Blue Ridge Bankshares, Inc.'s current EV/EBITDA is 24.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 23.8x.
What is Blue Ridge Bankshares, Inc.'s ROE?
Blue Ridge Bankshares, Inc.'s return on equity (ROE) is 3.3%. The historical average is 6.5%.
Is BRBS stock overvalued?
Based on historical data, Blue Ridge Bankshares, Inc. is trading at a P/E of 30.9x. This is at the 83th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Blue Ridge Bankshares, Inc.'s dividend yield?
Blue Ridge Bankshares, Inc.'s current dividend yield is 6.26% with a payout ratio of 211.0%.
What are Blue Ridge Bankshares, Inc.'s profit margins?
Blue Ridge Bankshares, Inc. has 63.5% gross margin and 9.1% operating margin.
How much debt does Blue Ridge Bankshares, Inc. have?
Blue Ridge Bankshares, Inc.'s Debt/EBITDA ratio is 11.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.