Tearsheet

Blue Ridge Bankshares (BRBS)


Market Price (6/24/2026): $3.49 | Market Cap: $308.3 MilSector: Financials | Industry: Regional Banks

Blue Ridge Bankshares (BRBS)


Market Price (6/24/2026): $3.49
Market Cap: $308.3 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%

Attractive yield
FCF Yield is 9.7%

Low stock price volatility
Vol 12M is 37%

Weak multi-year price returns
3Y Excs Rtn is -120%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -13%, Rev Chg QQuarterly Revenue Change % is -13%

Key risks
BRBS key risks include [1] significant compliance burdens and growth limitations from an active OCC Consent Order, Show more.

0 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%
1 Attractive yield
FCF Yield is 9.7%
2 Low stock price volatility
Vol 12M is 37%
3 Weak multi-year price returns
3Y Excs Rtn is -120%
4 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -13%, Rev Chg QQuarterly Revenue Change % is -13%
5 Key risks
BRBS key risks include [1] significant compliance burdens and growth limitations from an active OCC Consent Order, Show more.

BRBS in ETFs

Weight = BRBS's share of each fund

VTI0.00%
IWM0.01%
IWN0.01%
VTWO0.01%
DFAS0.01%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/23/2026

Blue Ridge Bankshares (BRBS) stock has remained largely at the same level since 2/28/2026 because of the following key factors:

1. Mixed Fiscal Q1 2026 Financial Performance with Strategic Transitions: Blue Ridge Bankshares reported a net income of $0.8 million, or $0.01 per diluted common share, for fiscal Q1 2026 (ended March 31, 2026), a decrease from $4.2 million in fiscal Q4 2025. This was notably impacted by $1.3 million in after-tax executive officer transition expenses, without which net income would have been $2.1 million. Furthermore, net interest income declined to $16.9 million from $18.1 million in fiscal Q4 2025, and Net Interest Margin (NIM) decreased to 2.90% from 3.04%. This mixed financial performance, coupled with the strategic shift towards core community banking and away from non-strategic loans, likely created a balance of investor sentiment, preventing significant upward or downward movement.

2. Impact of Special Cash Dividend: The declaration of a special cash dividend of $0.60 per common share on March 30, 2026, totaling approximately $54.1 million, had a notable effect on the company's financials. While potentially appealing to shareholders, this significant capital distribution reduced tangible book value per share to $3.11 from $3.65 in the prior quarter, which could temper enthusiasm for the stock's appreciation.

Show more
Updated on 6/23/2026

Blue Ridge Bankshares (BRBS) stock has remained largely at the same level since 2/28/2026 because of the following key factors:

1. Mixed Fiscal Q1 2026 Financial Performance with Strategic Transitions: Blue Ridge Bankshares reported a net income of $0.8 million, or $0.01 per diluted common share, for fiscal Q1 2026 (ended March 31, 2026), a decrease from $4.2 million in fiscal Q4 2025. This was notably impacted by $1.3 million in after-tax executive officer transition expenses, without which net income would have been $2.1 million. Furthermore, net interest income declined to $16.9 million from $18.1 million in fiscal Q4 2025, and Net Interest Margin (NIM) decreased to 2.90% from 3.04%. This mixed financial performance, coupled with the strategic shift towards core community banking and away from non-strategic loans, likely created a balance of investor sentiment, preventing significant upward or downward movement.

2. Impact of Special Cash Dividend: The declaration of a special cash dividend of $0.60 per common share on March 30, 2026, totaling approximately $54.1 million, had a notable effect on the company's financials. While potentially appealing to shareholders, this significant capital distribution reduced tangible book value per share to $3.11 from $3.65 in the prior quarter, which could temper enthusiasm for the stock's appreciation.

3. Improved Regulatory Standing and Asset Quality: Fiscal Q1 2026 marked the first full quarter of operations following the release from a regulatory consent order in November 2025, a positive development indicating improved operational stability and lower capital requirements. Concurrently, asset quality improved sequentially, with nonperforming loans decreasing to $21.0 million (0.87% of total assets) from $23.8 million (0.98% of total assets) in the prior quarter. These factors likely provided a floor for the stock, offsetting some of the negative financial metrics.

4. Broader Regional Banking Sector Environment: The regional banking sector in fiscal Q1 2026 navigated a complex environment characterized by persistent margin pressures and a shifting interest rate outlook. While some regional banks reported strong results and investor sentiment showed cautious optimism with an average 12% share price climb in the month leading up to April 20, 2026, this was balanced by potential headwinds from lower loan yields anticipated with falling interest rates. This broader market dynamic for regional banks may have contributed to BRBS's largely stable performance, as company-specific factors balanced out with industry trends.

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Stock Movement Drivers

Fundamental Drivers

The 0.7% change in BRBS stock from 2/28/2026 to 6/23/2026 was primarily driven by a 180.4% change in the company's Net Income Margin (%).
(LTM values as of)22820266232026Change
Stock Price ($)3.483.500.7%
Change Contribution By: 
Total Revenues ($ Mil)9389-4.2%
Net Income Margin (%)4.8%13.5%180.4%
P/E Multiple69.025.8-62.6%
Shares Outstanding (Mil)89880.2%
Cumulative Contribution0.7%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/23/2026
ReturnCorrelation
BRBS0.7% 
Market (SPY)7.2%6.1%
Sector (XLF)5.3%7.0%

Fundamental Drivers

The -5.6% change in BRBS stock from 11/30/2025 to 6/23/2026 was primarily driven by a -64.9% change in the company's P/E Multiple.
(LTM values as of)113020256232026Change
Stock Price ($)3.713.50-5.6%
Change Contribution By: 
Total Revenues ($ Mil)9389-4.2%
Net Income Margin (%)4.8%13.5%180.4%
P/E Multiple73.625.8-64.9%
Shares Outstanding (Mil)89880.2%
Cumulative Contribution-5.6%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/23/2026
ReturnCorrelation
BRBS-5.6% 
Market (SPY)8.0%6.6%
Sector (XLF)1.9%16.5%

Fundamental Drivers

The 24.5% change in BRBS stock from 5/31/2025 to 6/23/2026 was primarily driven by a 23.9% change in the company's P/S Multiple.
(LTM values as of)53120256232026Change
Stock Price ($)2.813.5024.5%
Change Contribution By: 
Total Revenues ($ Mil)86893.2%
P/S Multiple2.83.523.9%
Shares Outstanding (Mil)8688-2.6%
Cumulative Contribution24.5%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/23/2026
ReturnCorrelation
BRBS24.5% 
Market (SPY)25.9%15.4%
Sector (XLF)7.4%23.5%

Fundamental Drivers

The -50.3% change in BRBS stock from 5/31/2023 to 6/23/2026 was primarily driven by a -78.7% change in the company's Shares Outstanding (Mil).
(LTM values as of)53120236232026Change
Stock Price ($)7.043.50-50.3%
Change Contribution By: 
Total Revenues ($ Mil)13789-35.3%
Net Income Margin (%)2.6%13.5%421.8%
P/E Multiple37.425.8-31.0%
Shares Outstanding (Mil)1988-78.7%
Cumulative Contribution-50.3%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/23/2026
ReturnCorrelation
BRBS-50.3% 
Market (SPY)82.4%21.3%
Sector (XLF)78.1%27.3%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
BRBS Return55%-28%-75%6%40%-7%-61%
Peers Return25%-19%22%6%42%13%109%
S&P 500 Return27%-19%24%23%16%9%99%

Monthly Win Rates [3]
BRBS Win Rate67%33%25%50%83%33% 
Peers Win Rate42%52%53%50%67%57% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
BRBS Max Drawdown-34%-32%-84%-26%-20%-23% 
Peers Max Drawdown-17%-32%-32%-23%-21%-20% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, CBC, NU, FITB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/23/2026 (YTD)

How Low Can It Go

EventBRBSS&P 500
2025 US Tariff Shock
  % Loss-18.4%-18.8%
  % Gain to Breakeven22.5%23.1%
  Time to Breakeven98 days79 days
2020 COVID-19 Crash
  % Loss-24.2%-33.7%
  % Gain to Breakeven32.0%50.9%
  Time to Breakeven301 days140 days

Compare to NEWT, ATLO, CBC, NU, FITB

In The Past

Blue Ridge Bankshares's stock fell -18.4% during the 2025 US Tariff Shock. Such a loss loss requires a 22.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventBRBSS&P 500
2020 COVID-19 Crash
  % Loss-24.2%-33.7%
  % Gain to Breakeven32.0%50.9%
  Time to Breakeven301 days140 days

Compare to NEWT, ATLO, CBC, NU, FITB

In The Past

Blue Ridge Bankshares's stock fell -18.4% during the 2025 US Tariff Shock. Such a loss loss requires a 22.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Blue Ridge Bankshares (BRBS)

Blue Ridge Bankshares, Inc. (BRBS) operates as a bank holding company, primarily through its subsidiary, Blue Ridge Bank, National Association. The company provides a comprehensive suite of commercial and consumer banking, as well as various financial services. Its operations are distinctly divided into two key segments: Commercial Banking and Mortgage Banking.

The company offers a diverse range of financial products and services. These include standard deposit accounts such as checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. Lending services are extensive, covering commercial and industrial loans, residential and commercial mortgages, home equity and consumer installment loans, and government-guaranteed loans. Beyond core banking, BRBS provides essential services like wire transfers, payroll processing, remote deposit, electronic statements, and robust online, mobile, and telephone banking capabilities. Additionally, it offers property and casualty insurance products to both individuals and businesses.

Expanding its service portfolio further, Blue Ridge Bankshares delivers employee benefit plans and administration, management services for personal and corporate trusts, including estate planning and settlement, investment and wealth management, and other insurance products. The company also operates in the wholesale and third-party residential mortgage origination space, serving other financial institutions and credit unions. With a focus on individuals and businesses, BRBS serves its markets primarily through numerous branches across Virginia and one in Greensboro, North Carolina.

AI Analysis | Feedback

Here are 1-3 brief analogies for Blue Ridge Bankshares (BRBS):

  • A community-focused bank for Virginia and North Carolina, like a more localized Truist or PNC.
  • A traditional local bank for Virginia, similar to a smaller, community-oriented version of Wells Fargo focused on the Mid-Atlantic.

AI Analysis | Feedback

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  • Deposit Accounts: Offers various accounts including checking, savings, money market, individual retirement accounts (IRAs), cash management, and certificates of deposit (CDs).
  • Loan Products: Provides a comprehensive range of loans such as commercial and industrial, residential mortgages, commercial mortgages, home equity, consumer installment, and guaranteed government loans.
  • Payment & Transaction Services: Delivers essential banking services like wire transfers, direct deposit payroll, remote deposit, payroll processing, electronic statements, and online, mobile, and telephone banking.
  • Insurance Products: Offers property and casualty insurance for individuals and businesses, alongside other diverse insurance product offerings.
  • Trust & Wealth Management: Provides management services for personal and corporate trusts, encompassing estate planning and settlement, trust administration, and investment and wealth management.
  • Employee Benefit Plan Administration: Offers specialized services for the administration of employee benefit plans.
  • Wholesale Mortgage Origination: Provides wholesale and third-party residential mortgage origination services to other financial institutions and credit unions.
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AI Analysis | Feedback

Blue Ridge Bankshares (BRBS) serves a diverse customer base, primarily consisting of individual consumers and businesses within its operating regions, as well as other financial institutions for specialized services. Given the nature of banking, the company does not typically have a few "major customers" in the traditional sense, but rather a broad client base across different categories. The major customer categories are:

  1. Individual Consumers: This category includes individuals utilizing a range of personal banking services such as checking, savings, money market, and individual retirement accounts. They also obtain residential mortgages, home equity, and consumer installment loans, and access online, mobile, and telephone banking services. Additionally, individuals may utilize personal trust administration, investment and wealth management, and certain insurance products.
  2. Businesses (Commercial Clients): This category encompasses various commercial entities, from small businesses to larger enterprises, that leverage the bank's commercial banking services. These services include commercial and industrial loans, commercial mortgages, cash management, payroll processing, remote deposit, direct deposit payroll, and employee benefit plans and administration services. Businesses also utilize checking, savings, and money market accounts, and property and casualty insurance products.
  3. Other Financial Institutions and Credit Unions: Blue Ridge Bankshares provides wholesale and third-party residential mortgage origination services to other financial institutions and credit unions. While specific names are not disclosed, these are business-to-business customers for a specialized service offering.

AI Analysis | Feedback

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AI Analysis | Feedback

Harry Golliday
Interim Chief Executive Officer and President

Mr. Golliday was appointed Interim Chief Executive Officer and President of Blue Ridge Bankshares, Inc. and Interim Chief Executive Officer of Blue Ridge Bank, National Association, effective March 6, 2026. He brings over four decades of experience in the financial services industry, having held leadership roles with CapitalOne Bank and SunTrust, and beginning his career as a corporate banker with Wachovia. Prior to his appointment as Interim CEO, Mr. Golliday served as the Company's Executive Vice President and Chief Credit Officer since January 2024.

Judy C. Gavant
Executive Vice President and Chief Financial Officer

Ms. Gavant has served as Executive Vice President and Chief Financial Officer of Blue Ridge Bankshares, Inc. since February 2021. She also holds the title of President and Chief Financial Officer of Blue Ridge Bank, National Association, a position she has held since April 2022. With over 40 years of experience in accounting, taxation, finance, and mergers and acquisitions, Ms. Gavant previously served as Executive Vice President and Chief Financial Officer of Bay Banks of Virginia, Inc. and its bank subsidiary, Virginia Commonwealth Bank, until Blue Ridge Bankshares' acquisition of Bay Banks in January 2021. Her background also includes roles as Senior Vice President, Controller, and Chief Accounting Officer of Xenith Bankshares, Inc., and various financial leadership positions at publicly-traded companies such as Owens & Minor, Inc., Tredegar Corporation, and Dominion Energy, Inc. She also spent nine years in the audit and tax practice of PricewaterhouseCoopers LLP.

M. Dean Brown
Chief Operations and Technology Officer of the Bank

Mr. Brown serves as the Chief Operations and Technology Officer of Blue Ridge Bank, National Association.

Grace M. Vallacchi
Executive Vice President and Chief Risk Officer of the Company and the Bank

Ms. Vallacchi is the Executive Vice President and Chief Risk Officer for both Blue Ridge Bankshares, Inc. and Blue Ridge Bank, National Association.

Stanley A. Roberts
Executive Vice President and General Counsel of the Company and the Bank

Mr. Roberts holds the position of Executive Vice President and General Counsel for Blue Ridge Bankshares, Inc. and Blue Ridge Bank, National Association.

AI Analysis | Feedback

Key Risks to Blue Ridge Bankshares (BRBS)

  • Regulatory Oversight and Compliance Burden: Blue Ridge Bankshares has faced significant regulatory scrutiny, including a consent order from the Office of the Comptroller of the Currency (OCC) in 2024 related to its fintech banking-as-a-service (BaaS) operations and deficiencies in its anti-money laundering (AML) compliance program. While the consent order was terminated in November 2025, indicating the bank has met heightened capital and risk requirements, the company has incurred "one-time regulatory remediation costs" in the past. Maintaining strong regulatory compliance and risk management remains a material and ongoing challenge.
  • Deposit Decline and Funding Challenges: The company experienced a decline in total deposits during the first quarter of 2025, driven by a planned reduction in wholesale and brokered funding, and saw a broader decrease in customer deposits throughout 2025. For a community bank, customer deposits are a crucial and typically low-cost source of capital. A continued inability to attract and retain core deposits could impact the bank's liquidity, profitability, and lending capacity, despite improvements in its capital profile and liquidity ratios.
  • Interest Rate Risk and Margin Compression: Blue Ridge Bankshares is exposed to interest rate risk, which can lead to margin compression. This risk arises from potential mismatches between the interest rates earned on its assets (such as loans) and the interest rates paid on its liabilities (such as deposits). While the net interest margin showed some improvement in Q1 2025, a fluctuating interest rate environment or intense competition for deposits could pressure the bank's net interest margin and overall profitability.

AI Analysis | Feedback

1. Digital-First and Neobanks: The rise of digital-only banks (neobanks) and online-first banking platforms poses a clear threat. These companies, often with lower overheads due to lacking physical branches, can offer more competitive interest rates on deposits, lower fees, and a superior digital user experience. This directly challenges Blue Ridge Bankshares' ability to attract and retain customers for checking, savings, money market accounts, and consumer loans, especially among demographics that prioritize digital convenience over physical branch access.

2. Online Mortgage Lenders: The significant market penetration and efficiency of online-first mortgage lenders (e.g., Rocket Mortgage) threaten Blue Ridge Bankshares' Mortgage Banking segment. These platforms often streamline the application, approval, and closing processes through technology, offering a faster and more convenient experience that can attract customers away from traditional, branch-based mortgage origination services.

AI Analysis | Feedback

Blue Ridge Bankshares, Inc. (BRBS) operates within several addressable markets across the United States, including commercial banking, consumer banking, mortgage banking, wealth management, trusts and estates, and property and casualty insurance.

Commercial Banking

The U.S. commercial banking market is substantial. In 2024, its size was estimated at approximately USD 226.44 billion, with projections indicating growth to USD 269.28 billion by 2029. Other estimates place the U.S. commercial banking market at USD 231.9 billion in 2024, with an expected rise to USD 351.8 billion by 2033. Another source valued the market at USD 732.5 billion in 2025, forecasting growth to USD 915.45 billion by 2030.

Consumer Banking

The U.S. retail banking market, which encompasses consumer banking services, was valued at approximately USD 870 billion in 2025. This market is projected to reach USD 1,112.2 billion by 2031. Another estimate shows the U.S. retail banking market generating USD 1.28 trillion in revenue in 2025. The market is expected to increase by USD 92.1 billion, growing at a CAGR of 4.2% between 2024 and 2029.

Mortgage Banking

In the U.S., the total single-family mortgage origination volume is forecast to reach USD 2.2 trillion in 2026, increasing from an estimated USD 2.0 trillion in 2025. Mortgage originations were estimated at 1.44 million in the fourth quarter of 2025. The wholesale mortgage channel, a segment Blue Ridge Bankshares participates in, represented 27.3% of the U.S. market in 2024.

Wealth Management

The U.S. wealth management market is extensive. While specific overall market size in trillions of dollars for assets under management is indicated as very large, the private banking segment in the United States was valued at USD 59.54 billion in 2025 and is expected to grow to USD 94.89 billion by 2030. The wealth management platform market in North America reached USD 1.26 billion in 2025 and USD 1.4 billion in 2026. The global wealth management platform market size was recorded at US$ 4.82 billion in 2023 and is expected to reach US$ 15.8 billion by 2032.

Trusts and Estates

The Trusts & Estates market in the U.S. was valued at USD 283.6 billion in 2024, growing to USD 290.1 billion in 2025. The global trust and estate administration market size is estimated at USD 20 billion in 2025, with projections to reach USD 35 billion by 2032. North America was the leading region in the estate administration services market in 2024. Additionally, the global private trust company setup market size was USD 1.42 billion in 2024 and is forecasted to reach USD 2.75 billion by 2033, with the United States being a global hub for these services.

Property and Casualty Insurance

The U.S. property and casualty insurance market was valued at approximately USD 1.10 trillion in 2025 and is projected to grow to USD 1.33 trillion by 2030. In 2026, the U.S. market size is estimated at USD 1.14 trillion, projected to reach USD 1.39 trillion by 2031. North America held a significant share of the global market, with a valuation of USD 853.13 billion in 2025 and USD 885.55 billion in 2026.

AI Analysis | Feedback

Blue Ridge Bankshares (BRBS) is strategically repositioning itself to drive future revenue growth over the next 2-3 years by focusing on its core community banking operations and enhancing operational efficiency. The following are key expected drivers of future revenue growth:

  1. Refocus on Core Community Banking and Targeted In-Market Expansion: The company is exiting its fintech Banking-as-a-Service (BaaS) and mortgage banking divisions to concentrate on traditional, relationship-based community banking within its established footprint of Virginia and north-central North Carolina. This strategic shift aims to foster revenue growth through deepening customer relationships and expanding its presence in these core markets.
  2. Improvement in Net Interest Margin (NIM): Blue Ridge Bankshares anticipates an improved net interest margin over time. This is primarily driven by a reduction in funding costs following the exit from higher-cost fintech-related and brokered deposits, as well as the ongoing repricing of its loan portfolio and maturing securities. A healthier NIM directly contributes to higher net interest income, a primary revenue source for banks.
  3. Organic Growth of Primary Footprint Deposits and Selective Lending: Following the divestiture of its fintech BaaS operations, the bank has seen an increase in core deposits, specifically within its primary geographical footprint. The company plans to grow its loan portfolio through selective lending, focusing on commercial and industrial, residential mortgages, and commercial mortgages within its core markets. This disciplined approach to deposit gathering and lending is expected to drive organic revenue growth.
  4. Enhanced Operational Flexibility and Reduced Costs Post-Regulatory Remediation: The termination of the OCC Consent Order in November 2025 is a significant milestone for Blue Ridge Bankshares. This is expected to lead to reduced borrowing costs, lower FDIC insurance premiums, and decreased operating expenses. While primarily impacting the cost structure, this increased operational flexibility and reduced regulatory burden are anticipated to enable the bank to pursue revenue-generating opportunities more aggressively and efficiently in the coming years.

AI Analysis | Feedback

Share Repurchases

  • Blue Ridge Bankshares adopted a $15.0 million share repurchase program.
  • Under this program, as of December 31, 2025, the company repurchased 802,735 shares for $3.4 million.
  • Additionally, warrants for 3,229,000 shares were repurchased for $6.1 million by December 31, 2025.

Share Issuance

  • In 2024, the company received $152.1 million in net capital from private placements.

Inbound Investments

  • Blue Ridge Bankshares was supported by $152.1 million in net capital proceeds from 2024 private placements.

Capital Expenditures

  • For the trailing twelve months ending around March 2026, capital expenditures were -$531,000.

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
1How Low Can Blue Ridge Bankshares Stock Really Go?10/17/2025
Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

BRBSNEWTATLOCBCNUFITBMedian
NameBlue Rid.NewtekOneAmes Nat.Central .Nu Fifth Th. 
Mkt Price3.5013.9530.8528.9812.5954.6721.46
Mkt Cap0.30.40.3348.261.145.122.8
Rev LTM89272701,00011,9159,461636
Op Inc LTM-------
FCF LTM30-776224578681,437244
FCF 3Y Avg18-34817-1,7122,58318
CFO LTM32-776234911,2012,175261
CFO 3Y Avg19-34819-1,9523,14019

Growth & Margins

BRBSNEWTATLOCBCNUFITBMedian
NameBlue Rid.NewtekOneAmes Nat.Central .Nu Fifth Th. 
Rev Chg LTM3.2%10.5%21.7%-39.5%13.9%13.9%
Rev Chg 3Y Avg-12.7%32.1%5.4%-51.8%3.9%5.4%
Rev Chg Q-12.7%8.0%17.8%-57.2%30.3%17.8%
QoQ Delta Rev Chg LTM-3.1%1.9%4.1%-12.1%7.3%4.1%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM36.3%-285.4%32.5%49.1%10.1%23.0%27.7%
CFO/Rev 3Y Avg18.7%-134.4%31.4%-22.3%36.7%22.3%
FCF/Rev LTM33.9%-285.4%31.2%45.7%7.3%15.2%23.2%
FCF/Rev 3Y Avg17.5%-134.5%28.6%-19.6%30.4%19.6%

Valuation

BRBSNEWTATLOCBCNUFITBMedian
NameBlue Rid.NewtekOneAmes Nat.Central .Nu Fifth Th. 
Mkt Cap0.30.40.3348.261.145.122.8
P/S3.51.53.9348.15.14.84.3
P/Op Inc-------
P/EBIT-------
P/E25.86.212.7927.719.220.820.0
P/CFO9.6-0.512.1709.650.920.716.4
Total Yield3.9%16.3%10.6%0.1%5.2%4.8%5.0%
Dividend Yield0.0%0.0%2.7%0.0%0.0%0.0%0.0%
FCF Yield 3Y Avg19.1%-113.9%9.0%-3.3%9.4%9.0%
D/E0.61.40.10.00.00.40.2
Net D/E0.00.4-1.8-0.0-0.5-1.1-0.2

Returns

BRBSNEWTATLOCBCNUFITBMedian
NameBlue Rid.NewtekOneAmes Nat.Central .Nu Fifth Th. 
1M Rtn6.7%4.3%8.1%1.9%-1.1%10.5%5.5%
3M Rtn1.4%25.2%12.7%22.3%-11.3%18.9%15.8%
6M Rtn-5.0%24.8%36.9%20.4%-24.9%15.7%18.0%
12M Rtn32.5%39.6%80.5%51.9%2.0%41.0%40.3%
3Y Rtn-52.3%6.9%94.8%105.2%66.5%141.0%80.7%
1M Excs Rtn7.1%6.0%9.1%3.1%-3.3%12.3%6.6%
3M Excs Rtn-11.0%9.7%1.7%12.1%-26.2%9.7%5.7%
6M Excs Rtn-19.9%9.2%23.5%16.4%-31.3%8.0%8.6%
12M Excs Rtn7.8%20.1%62.9%28.4%-19.7%20.5%20.3%
3Y Excs Rtn-119.9%-64.2%21.3%38.7%3.5%63.6%12.4%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Commercial Banking9296116124134
Mortgage Banking28102241
Eliminations-0-0-0-1-0
Parent Only-2-11-475
Total9292122153179


Net Income by Segment
$ Mil20252024202320222021
Commercial Banking14-4-381347
Eliminations0000 
Mortgage Banking-1-2-315
Parent Only-2-9-1141
Total11-15-521752


Assets by Segment
$ Mil20252024202320222021
Commercial Banking2,4132,7053,0533,0592,499
Parent Only346363234290320
Mortgage Banking1283941143
Eliminations-327-359-208-260-296
Total2,4332,7373,1183,1302,665


Price Behavior

Price Behavior
Market Price$3.50 
Market Cap ($ Bil)0.3 
First Trading Date02/27/2008 
Distance from 52W High-17.3% 
   50 Days200 Days
DMA Price$3.38$3.55
DMA Trendupdown
Distance from DMA3.6%-1.3%
 3M1YR
Volatility51.3%36.6%
Downside Capture6.7337.89
Upside Capture8.8161.50
Correlation (SPY)3.6%15.8%
BRBS Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta0.400.000.450.340.580.82
Up Beta1.77-0.660.430.370.490.68
Down Beta0.81-0.80-0.02-0.020.530.70
Up Capture-38%-5%28%18%51%39%
Bmk +ve Days13283667141432
Stock +ve Days9172552108328
Down Capture24%161%81%69%68%106%
Bmk -ve Days7132757109318
Stock -ve Days8162857116358

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with BRBS
BRBS31.4%36.6%0.81-
Sector ETF (XLF)8.7%14.6%0.3522.5%
Equity (SPY)24.6%12.5%1.4814.5%
Gold (GLD)21.8%27.6%0.705.9%
Commodities (DBC)16.7%18.8%0.69-10.6%
Real Estate (VNQ)12.3%13.8%0.6014.3%
Bitcoin (BTCUSD)-38.0%42.5%-1.015.0%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with BRBS
BRBS-23.2%47.3%-0.39-
Sector ETF (XLF)9.6%18.6%0.3930.7%
Equity (SPY)13.1%17.1%0.5925.3%
Gold (GLD)16.8%18.3%0.743.2%
Commodities (DBC)7.3%19.4%0.283.0%
Real Estate (VNQ)2.4%18.9%0.0324.2%
Bitcoin (BTCUSD)9.7%54.1%0.3813.4%

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Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with BRBS
BRBS-8.6%51.7%-0.07-
Sector ETF (XLF)13.3%22.2%0.5521.0%
Equity (SPY)15.3%18.0%0.7318.6%
Gold (GLD)11.9%16.1%0.612.3%
Commodities (DBC)5.9%18.0%0.253.3%
Real Estate (VNQ)5.5%20.7%0.2318.8%
Bitcoin (BTCUSD)57.0%66.5%0.979.1%

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Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity1.3 Mil
Short Interest: % Change Since 5152026-0.2%
Average Daily Volume0.2 Mil
Days-to-Cover Short Interest6.6 days
Basic Shares Quantity88.3 Mil
Short % of Basic Shares1.4%

Earnings Returns History

Updated 6/18/2026
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 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20261.7%-2.6%-6.8%
1/29/2026-2.5%-0.9%-7.1%
7/23/2025-3.5%-8.6%-7.1%
4/24/20253.5%1.5%0.0%
1/30/20250.0%6.2%7.4%
10/29/2024-2.7%-6.1%16.9%
7/25/20240.7%-4.0%2.9%
4/30/20240.8%3.6%20.8%
...
SUMMARY STATS   
# Positive1389
# Negative101514
Median Positive0.8%2.8%6.2%
Median Negative-2.8%-3.7%-7.0%
Max Positive9.6%6.2%20.8%
Max Negative-34.1%-30.9%-27.3%
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 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20261.7%-2.6%-6.8%
1/29/2026-2.5%-0.9%-7.1%
7/23/2025-3.5%-8.6%-7.1%
4/24/20253.5%1.5%0.0%
1/30/20250.0%6.2%7.4%
10/29/2024-2.7%-6.1%16.9%
7/25/20240.7%-4.0%2.9%
4/30/20240.8%3.6%20.8%
1/31/20249.6%2.8%-1.6%
10/31/2023-33.6%-12.7%-14.3%
7/31/2023-8.7%-11.9%-16.1%
4/27/2023-2.7%-28.2%-11.1%
2/2/2023-0.9%-3.7%-5.8%
10/27/20220.2%-2.0%-2.4%
7/28/20220.0%-0.1%-0.5%
4/28/20220.0%0.6%5.6%
1/27/20221.6%-2.9%-10.5%
11/4/2021-2.9%-1.2%-2.5%
7/29/2021-0.7%0.2%3.2%
4/30/2021-34.1%-30.9%-27.3%
1/29/20213.3%2.8%6.2%
10/29/20200.0%3.0%8.8%
7/30/20201.8%-1.0%-4.8%
SUMMARY STATS   
# Positive1389
# Negative101514
Median Positive0.8%2.8%6.2%
Median Negative-2.8%-3.7%-7.0%
Max Positive9.6%6.2%20.8%
Max Negative-34.1%-30.9%-27.3%

SEC Filings

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Report DateFiling DateFiling
03/31/202605/05/202610-Q
12/31/202503/12/202610-K
09/30/202511/04/202510-Q
06/30/202508/06/202510-Q
03/31/202505/07/202510-Q
12/31/202403/10/202510-K
09/30/202411/06/202410-Q
06/30/202408/06/202410-Q
03/31/202405/08/202410-Q
12/31/202303/15/202410-K
09/30/202311/14/202310-Q
06/30/202308/07/202310-Q
03/31/202305/10/202310-Q
12/31/202203/10/202310-K
09/30/202211/03/202210-Q
06/30/202208/05/202210-Q
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Report DateFiling DateFiling
03/31/202605/05/202610-Q
12/31/202503/12/202610-K
09/30/202511/04/202510-Q
06/30/202508/06/202510-Q
03/31/202505/07/202510-Q
12/31/202403/10/202510-K
09/30/202411/06/202410-Q
06/30/202408/06/202410-Q
03/31/202405/08/202410-Q
12/31/202303/15/202410-K
09/30/202311/14/202310-Q
06/30/202308/07/202310-Q
03/31/202305/10/202310-Q
12/31/202203/10/202310-K
09/30/202211/03/202210-Q
06/30/202208/05/202210-Q
03/31/202205/05/202210-Q
12/31/202103/11/202210-K
09/30/202111/10/202110-Q
06/30/202108/06/202110-Q
03/31/202105/11/202110-Q
12/31/202003/29/202110-K
09/30/202011/13/202010-Q
06/30/202008/14/202010-Q
03/31/202005/15/202010-Q
12/31/201904/14/202010-K
09/30/201912/16/201910-Q

Insider Activity

Updated 4/26/2026
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#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Raynor, BrettChief Accounting OfficerDirectSell61020253.342,0006,68026,149Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Raynor, BrettChief Accounting OfficerDirectSell61020253.342,0006,68026,149Form
Core Cache Last Updated: 6/23/2026