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): $3.49Market Cap: $308.3 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive cash flow generationCFO/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 yieldFCF Yield is 9.7% Low stock price volatilityVol 12M is 37% | Weak multi-year price returns3Y Excs Rtn is -120% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -13%, Rev Chg QQuarterly Revenue Change % is -13% Key risksBRBS key risks include [1] significant compliance burdens and growth limitations from an active OCC Consent Order, Show more. |
| Attractive cash flow generationCFO/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 yieldFCF Yield is 9.7% |
| Low stock price volatilityVol 12M is 37% |
| Weak multi-year price returns3Y Excs Rtn is -120% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -13%, Rev Chg QQuarterly Revenue Change % is -13% |
| Key risksBRBS key risks include [1] significant compliance burdens and growth limitations from an active OCC Consent Order, Show more. |
Qualitative Assessment
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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.
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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 $23.8 million (0.98% of total assets) in the prior quarter. These factors likely provided a floor for the stock, offsetting some of the negative financial metrics.
4. Broader Regional Banking Sector Environment: The regional banking sector in fiscal Q1 2026 navigated a complex environment characterized by persistent margin pressures and a shifting interest rate outlook. While some regional banks reported strong results and investor sentiment showed cautious optimism with an average 12% share price climb in the month leading up to April 20, 2026, this was balanced by potential headwinds from lower loan yields anticipated with falling interest rates. This broader market dynamic for regional banks may have contributed to BRBS's largely stable performance, as company-specific factors balanced out with industry trends.
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Stock Movement Drivers
Fundamental Drivers
The 0.7% change in BRBS stock from 2/28/2026 to 6/23/2026 was primarily driven by a 180.4% change in the company's Net Income Margin (%).| (LTM values as of) | 2282026 | 6232026 | Change |
|---|---|---|---|
| Stock Price ($) | 3.48 | 3.50 | 0.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 93 | 89 | -4.2% |
| Net Income Margin (%) | 4.8% | 13.5% | 180.4% |
| P/E Multiple | 69.0 | 25.8 | -62.6% |
| Shares Outstanding (Mil) | 89 | 88 | 0.2% |
| Cumulative Contribution | 0.7% |
Market Drivers
2/28/2026 to 6/23/2026| Return | Correlation | |
|---|---|---|
| BRBS | 0.7% | |
| 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) | 11302025 | 6232026 | Change |
|---|---|---|---|
| Stock Price ($) | 3.71 | 3.50 | -5.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 93 | 89 | -4.2% |
| Net Income Margin (%) | 4.8% | 13.5% | 180.4% |
| P/E Multiple | 73.6 | 25.8 | -64.9% |
| Shares Outstanding (Mil) | 89 | 88 | 0.2% |
| Cumulative Contribution | -5.6% |
Market Drivers
11/30/2025 to 6/23/2026| Return | Correlation | |
|---|---|---|
| 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) | 5312025 | 6232026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.81 | 3.50 | 24.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 86 | 89 | 3.2% |
| P/S Multiple | 2.8 | 3.5 | 23.9% |
| Shares Outstanding (Mil) | 86 | 88 | -2.6% |
| Cumulative Contribution | 24.5% |
Market Drivers
5/31/2025 to 6/23/2026| Return | Correlation | |
|---|---|---|
| BRBS | 24.5% | |
| 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) | 5312023 | 6232026 | Change |
|---|---|---|---|
| Stock Price ($) | 7.04 | 3.50 | -50.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 137 | 89 | -35.3% |
| Net Income Margin (%) | 2.6% | 13.5% | 421.8% |
| P/E Multiple | 37.4 | 25.8 | -31.0% |
| Shares Outstanding (Mil) | 19 | 88 | -78.7% |
| Cumulative Contribution | -50.3% |
Market Drivers
5/31/2023 to 6/23/2026| Return | Correlation | |
|---|---|---|
| BRBS | -50.3% | |
| Market (SPY) | 82.4% | 21.3% |
| Sector (XLF) | 78.1% | 27.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BRBS Return | 55% | -28% | -75% | 6% | 40% | -7% | -61% |
| Peers Return | 25% | -19% | 22% | 6% | 42% | 13% | 109% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 9% | 99% |
Monthly Win Rates [3] | |||||||
| BRBS Win Rate | 67% | 33% | 25% | 50% | 83% | 33% | |
| Peers Win Rate | 42% | 52% | 53% | 50% | 67% | 57% | |
| S&P 500 Win Rate | 75% | 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
| Event | BRBS | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -18.4% | -18.8% |
| % Gain to Breakeven | 22.5% | 23.1% |
| Time to Breakeven | 98 days | 79 days |
| 2020 COVID-19 Crash | ||
| % Loss | -24.2% | -33.7% |
| % Gain to Breakeven | 32.0% | 50.9% |
| Time to Breakeven | 301 days | 140 days |
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.
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Asset Allocation
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| Event | BRBS | S&P 500 |
|---|---|---|
| 2020 COVID-19 Crash | ||
| % Loss | -24.2% | -33.7% |
| % Gain to Breakeven | 32.0% | 50.9% |
| Time to Breakeven | 301 days | 140 days |
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.
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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.
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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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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:
- 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.
- 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.
- 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.
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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.
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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.
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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.
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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.
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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:
- 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.
- 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.
- 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.
- 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.
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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
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Blue Ridge Bankshares Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 21.46 |
| Mkt Cap | 22.8 |
| Rev LTM | 636 |
| Op Inc LTM | - |
| FCF LTM | 244 |
| FCF 3Y Avg | 18 |
| CFO LTM | 261 |
| CFO 3Y Avg | 19 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.9% |
| Rev Chg 3Y Avg | 5.4% |
| Rev Chg Q | 17.8% |
| QoQ Delta Rev Chg LTM | 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 LTM | 27.7% |
| CFO/Rev 3Y Avg | 22.3% |
| FCF/Rev LTM | 23.2% |
| FCF/Rev 3Y Avg | 19.6% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Commercial Banking | 92 | 96 | 116 | 124 | 134 |
| Mortgage Banking | 2 | 8 | 10 | 22 | 41 |
| Eliminations | -0 | -0 | -0 | -1 | -0 |
| Parent Only | -2 | -11 | -4 | 7 | 5 |
| Total | 92 | 92 | 122 | 153 | 179 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Commercial Banking | 14 | -4 | -38 | 13 | 47 |
| Eliminations | 0 | 0 | 0 | 0 | |
| Mortgage Banking | -1 | -2 | -3 | 1 | 5 |
| Parent Only | -2 | -9 | -11 | 4 | 1 |
| Total | 11 | -15 | -52 | 17 | 52 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Commercial Banking | 2,413 | 2,705 | 3,053 | 3,059 | 2,499 |
| Parent Only | 346 | 363 | 234 | 290 | 320 |
| Mortgage Banking | 1 | 28 | 39 | 41 | 143 |
| Eliminations | -327 | -359 | -208 | -260 | -296 |
| Total | 2,433 | 2,737 | 3,118 | 3,130 | 2,665 |
Price Behavior
| Market Price | $3.50 | |
| Market Cap ($ Bil) | 0.3 | |
| First Trading Date | 02/27/2008 | |
| Distance from 52W High | -17.3% | |
| 50 Days | 200 Days | |
| DMA Price | $3.38 | $3.55 |
| DMA Trend | up | down |
| Distance from DMA | 3.6% | -1.3% |
| 3M | 1YR | |
| Volatility | 51.3% | 36.6% |
| Downside Capture | 6.73 | 37.89 |
| Upside Capture | 8.81 | 61.50 |
| Correlation (SPY) | 3.6% | 15.8% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.40 | 0.00 | 0.45 | 0.34 | 0.58 | 0.82 |
| Up Beta | 1.77 | -0.66 | 0.43 | 0.37 | 0.49 | 0.68 |
| Down Beta | 0.81 | -0.80 | -0.02 | -0.02 | 0.53 | 0.70 |
| Up Capture | -38% | -5% | 28% | 18% | 51% | 39% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 9 | 17 | 25 | 52 | 108 | 328 |
| Down Capture | 24% | 161% | 81% | 69% | 68% | 106% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 8 | 16 | 28 | 57 | 116 | 358 |
[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 | |
|---|---|---|---|---|
| BRBS | 31.4% | 36.6% | 0.81 | - |
| Sector ETF (XLF) | 8.7% | 14.6% | 0.35 | 22.5% |
| Equity (SPY) | 24.6% | 12.5% | 1.48 | 14.5% |
| Gold (GLD) | 21.8% | 27.6% | 0.70 | 5.9% |
| Commodities (DBC) | 16.7% | 18.8% | 0.69 | -10.6% |
| Real Estate (VNQ) | 12.3% | 13.8% | 0.60 | 14.3% |
| Bitcoin (BTCUSD) | -38.0% | 42.5% | -1.01 | 5.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
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% | 0.39 | 30.7% |
| Equity (SPY) | 13.1% | 17.1% | 0.59 | 25.3% |
| Gold (GLD) | 16.8% | 18.3% | 0.74 | 3.2% |
| Commodities (DBC) | 7.3% | 19.4% | 0.28 | 3.0% |
| Real Estate (VNQ) | 2.4% | 18.9% | 0.03 | 24.2% |
| Bitcoin (BTCUSD) | 9.7% | 54.1% | 0.38 | 13.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
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% | 0.55 | 21.0% |
| Equity (SPY) | 15.3% | 18.0% | 0.73 | 18.6% |
| Gold (GLD) | 11.9% | 16.1% | 0.61 | 2.3% |
| Commodities (DBC) | 5.9% | 18.0% | 0.25 | 3.3% |
| Real Estate (VNQ) | 5.5% | 20.7% | 0.23 | 18.8% |
| Bitcoin (BTCUSD) | 57.0% | 66.5% | 0.97 | 9.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 6/18/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 1.7% | -2.6% | -6.8% |
| 1/29/2026 | -2.5% | -0.9% | -7.1% |
| 7/23/2025 | -3.5% | -8.6% | -7.1% |
| 4/24/2025 | 3.5% | 1.5% | 0.0% |
| 1/30/2025 | 0.0% | 6.2% | 7.4% |
| 10/29/2024 | -2.7% | -6.1% | 16.9% |
| 7/25/2024 | 0.7% | -4.0% | 2.9% |
| 4/30/2024 | 0.8% | 3.6% | 20.8% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 8 | 9 |
| # Negative | 10 | 15 | 14 |
| Median Positive | 0.8% | 2.8% | 6.2% |
| Median Negative | -2.8% | -3.7% | -7.0% |
| Max Positive | 9.6% | 6.2% | 20.8% |
| Max Negative | -34.1% | -30.9% | -27.3% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 1.7% | -2.6% | -6.8% |
| 1/29/2026 | -2.5% | -0.9% | -7.1% |
| 7/23/2025 | -3.5% | -8.6% | -7.1% |
| 4/24/2025 | 3.5% | 1.5% | 0.0% |
| 1/30/2025 | 0.0% | 6.2% | 7.4% |
| 10/29/2024 | -2.7% | -6.1% | 16.9% |
| 7/25/2024 | 0.7% | -4.0% | 2.9% |
| 4/30/2024 | 0.8% | 3.6% | 20.8% |
| 1/31/2024 | 9.6% | 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% |
| 10/27/2022 | 0.2% | -2.0% | -2.4% |
| 7/28/2022 | 0.0% | -0.1% | -0.5% |
| 4/28/2022 | 0.0% | 0.6% | 5.6% |
| 1/27/2022 | 1.6% | -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% |
| 1/29/2021 | 3.3% | 2.8% | 6.2% |
| 10/29/2020 | 0.0% | 3.0% | 8.8% |
| 7/30/2020 | 1.8% | -1.0% | -4.8% |
| SUMMARY STATS | |||
| # Positive | 13 | 8 | 9 |
| # Negative | 10 | 15 | 14 |
| Median Positive | 0.8% | 2.8% | 6.2% |
| Median Negative | -2.8% | -3.7% | -7.0% |
| Max Positive | 9.6% | 6.2% | 20.8% |
| Max Negative | -34.1% | -30.9% | -27.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/05/2026 | 10-Q |
| 12/31/2025 | 03/12/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/06/2025 | 10-Q |
| 03/31/2025 | 05/07/2025 | 10-Q |
| 12/31/2024 | 03/10/2025 | 10-K |
| 09/30/2024 | 11/06/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/14/2023 | 10-Q |
| 06/30/2023 | 08/07/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/10/2023 | 10-K |
| 09/30/2022 | 11/03/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/05/2026 | 10-Q |
| 12/31/2025 | 03/12/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/06/2025 | 10-Q |
| 03/31/2025 | 05/07/2025 | 10-Q |
| 12/31/2024 | 03/10/2025 | 10-K |
| 09/30/2024 | 11/06/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/14/2023 | 10-Q |
| 06/30/2023 | 08/07/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/10/2023 | 10-K |
| 09/30/2022 | 11/03/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
| 12/31/2021 | 03/11/2022 | 10-K |
| 09/30/2021 | 11/10/2021 | 10-Q |
| 06/30/2021 | 08/06/2021 | 10-Q |
| 03/31/2021 | 05/11/2021 | 10-Q |
| 12/31/2020 | 03/29/2021 | 10-K |
| 09/30/2020 | 11/13/2020 | 10-Q |
| 06/30/2020 | 08/14/2020 | 10-Q |
| 03/31/2020 | 05/15/2020 | 10-Q |
| 12/31/2019 | 04/14/2020 | 10-K |
| 09/30/2019 | 12/16/2019 | 10-Q |
Insider Activity
Updated 4/26/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Raynor, Brett | Chief Accounting Officer | Direct | Sell | 6102025 | 3.34 | 2,000 | 6,680 | 26,149 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Raynor, Brett | Chief Accounting Officer | Direct | Sell | 6102025 | 3.34 | 2,000 | 6,680 | 26,149 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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