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Blue Ridge Bankshares, Inc. (BRBS) stock analysis

BRBSNYSEState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 4/30
$4.04+0.00 (0.00%)

Close on Nov 11, 2026Market cap $362.34MP/E –Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth0Performance1Health0Dividend3

Weak4 of 30 checks passed

Blue Ridge Bankshares passes 4 of the 30 checks behind our score; 15 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
0/6
Past performance
1/6
Financial health
0/6
Dividend
3/6

What stands out

  • Net margin above its 5-year average

    Net margin was -0.5% over the last twelve months, against a 5-year average of -1.4%.

  • Pays a dividend

    Blue Ridge Bankshares paid dividends worth 14.9% of the share price over the last twelve months.

  • Yield above Treasuries

    The 14.9% yield is above the 4.4% on a 1-year Treasury.

  • Yield in the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Blue Ridge Bankshares yields 14.9%.

What to watch

  • Earnings shrank over 5 years

    Net income shrank 9.6% a year on average over the last five fiscal years.

  • Revenue growing under 10% a year

    Revenue grew -15.6% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -50.7% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -108% over the last twelve months, against a 5-year average of -9.6% a year.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S above the industry

    Blue Ridge Bankshares's price-to-sales of 4.62 is above the Commercial Banks median of 3.60.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -15.6% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -50.7% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -108% over the last twelve months, against a 5-year average of -9.6% a year.

  • Growing slower than the industry

    Revenue grew -15.6% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance1/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets under 1%

    Return on assets was -0.0%; for a bank or insurer, 1% or more is considered good.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings shrank over 5 years

    Net income shrank 9.6% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was -0.5% over the last twelve months, against a 5-year average of -1.4%.

  • Net margin below the industry

    Blue Ridge Bankshares's net margin of -0.5% is below the Commercial Banks median of 30.3%.

Financial health0/6

  • Well capitalized

    Needs equity and total assets.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • High cost base

    Non-interest expense takes 86.0% of revenue; under 60% is efficient for a bank.

  • Deposits shrinking

    Deposits fell 7.0% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    Blue Ridge Bankshares paid dividends worth 14.9% of the share price over the last twelve months.

  • Yield above Treasuries

    The 14.9% yield is above the 4.4% on a 1-year Treasury.

  • Yield in the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Blue Ridge Bankshares yields 14.9%.

  • Dividend stability

    Fewer than five years of dividend history.

  • Earnings cover

    Needs dividends paid and net income.

  • Not covered by free cash flow

    Dividends take 381% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Blue Ridge Bankshares. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 7.4
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$3.13M
Value traded per 1% price move
$2.93M

Downside

Medium risk

Typical loss in a bad month
16.3%
Volatility (annualized)
30%
Sharpe ratio, 1 year
-0.38
Beta to the S&P 500 (5Y)
0.53

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2018 to 2025

Net margin

11.7%−4.2 pts over 5 years

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