BRBS

Company Overview — What Does BLUE RIDGE BANKSHARES, INC. Do?

Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. Its deposit products include checking, savings, money market, cash management, investment, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises commercial and industrial loans, such as small business and small business administration, asset-based, and other secured and unsecured loans and lines of credit; automobile lending, home improvement loans, and other unsecured personal loans; and mortgage loans on real estate, home equity loans, construction loans, residential and commercial mortgages, home equity loans, consumer installment loans, and insurance products. It also provides commercial banking services, such as wire services, direct deposit, remote deposit, and other commercial lending products. In addition, the company offers online banking, telephone banking, mobile banking, electronic statement, and payroll processing services. It operates through branches in Charlottesville, Drakes Branch, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Luray, Martinsville, Mineral, Orange, Shenandoah, Stuart, and Zion Crossroads, Virginia; and the Carolina State Bank in Greensboro, North Carolina, as well as mortgage offices in Virginia, Maryland, North Carolina, and Florida. The company was founded in 1893 and is headquartered in Charlottesville, Virginia. BLUE RIDGE BANKSHARES, INC. (BRBS) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Brian K. Plum and employs approximately 560 people. With a market capitalization of $384M, BRBS is one of the notable companies in the Financials sector.

BLUE RIDGE BANKSHARES, INC. (BRBS) Stock Rating — Hold (April 2026)

As of April 2026, BLUE RIDGE BANKSHARES, INC. receives a Hold rating with a composite score of 45.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.BRBS ranks #1,058 out of 4,446 stocks in our coverage universe. Within the Financials sector, BLUE RIDGE BANKSHARES, INC. ranks #327 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

BRBS Stock Price and 52-Week Range

BLUE RIDGE BANKSHARES, INC. (BRBS) currently trades at $4.18. The stock lost $0.05 (1.2%) in the most recent trading session. The 52-week high for BRBS is $4.79, which means the stock is currently trading -12.6% from its annual peak. The 52-week low is $2.92, putting the stock 43.2% above its annual trough. Recent trading volume was 2.3M shares, reflecting moderate market activity.

Is BRBS Overvalued or Undervalued? — Valuation Analysis

BLUE RIDGE BANKSHARES, INC. (BRBS) carries a value factor score of 55/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 51.40x, compared to the Financials sector average of 14.88x — a premium of 245%. The price-to-book ratio stands at 1.18x, versus the sector average of 1.22x. The price-to-sales ratio is 2.62x, compared to 0.90x for the average Financials stock. On an enterprise value basis, BRBS trades at 33.64x EV/EBITDA, versus 3.26x for the sector.

Overall, BRBS's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

BLUE RIDGE BANKSHARES, INC. Profitability — ROE, Margins, and Quality Score

BLUE RIDGE BANKSHARES, INC. (BRBS) earns a quality factor score of 43/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 2.3%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.3% versus the sector average of 1.2%.

On a margin basis, BLUE RIDGE BANKSHARES, INC. reports gross margins of 0.0%. The operating margin is 6.8% (sector: 21.8%). Net profit margin stands at 5.1%, versus 17.7% for the average Financials stock. Revenue growth is running at -10.9% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

BRBS Debt, Balance Sheet, and Financial Health

BLUE RIDGE BANKSHARES, INC. has a debt-to-equity ratio of 652.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.15x, suggesting adequate working capital coverage. Total debt on the balance sheet is $165M. Cash and equivalents stand at $121M.

BRBS has a beta of 0.59, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for BLUE RIDGE BANKSHARES, INC. is 80/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

BLUE RIDGE BANKSHARES, INC. Revenue and Earnings History — Quarterly Trend

In TTM 2026, BLUE RIDGE BANKSHARES, INC. reported revenue of $146M and earnings per share (EPS) of $0.12. Net income for the quarter was $7M. Gross margin was 0.0%. Operating income came in at $10M.

In FY 2025, BLUE RIDGE BANKSHARES, INC. reported revenue of $138M and earnings per share (EPS) of $0.12. Net income for the quarter was $11M. Revenue grew -14.1% year-over-year compared to FY 2024. Operating income came in at $14M.

In Q3 2025, BLUE RIDGE BANKSHARES, INC. reported revenue of $36M and earnings per share (EPS) of $0.06. Net income for the quarter was $6M. Revenue grew -7.7% year-over-year compared to Q3 2024. Operating income came in at $8M.

In Q2 2025, BLUE RIDGE BANKSHARES, INC. reported revenue of $35M and earnings per share (EPS) of $0.01. Net income for the quarter was $1M. Revenue grew -14.5% year-over-year compared to Q2 2024. Operating income came in at $2M.

Over the past 8 quarters, BLUE RIDGE BANKSHARES, INC. has demonstrated a growth trajectory, with revenue expanding from $41M to $146M. Investors analyzing BRBS stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

BRBS Dividend Yield and Income Analysis

BLUE RIDGE BANKSHARES, INC. (BRBS) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

BRBS Momentum and Technical Analysis Profile

BLUE RIDGE BANKSHARES, INC. (BRBS) has a momentum factor score of 48/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 36/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 9/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

BRBS vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, BLUE RIDGE BANKSHARES, INC. (BRBS) ranks #327 out of 891 stocks based on the Blank Capital composite score. This places BRBS in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing BRBS against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full BRBS vs S&P 500 (SPY) comparison to assess how BLUE RIDGE BANKSHARES, INC. stacks up against the broader market across all factor dimensions.

BRBS Next Earnings Date

No upcoming earnings date has been announced for BLUE RIDGE BANKSHARES, INC. (BRBS) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy BRBS? — Investment Thesis Summary

BLUE RIDGE BANKSHARES, INC. presents a balanced picture with arguments on both sides. Low volatility (stability score 80/100) reduces downside risk.

In summary, BLUE RIDGE BANKSHARES, INC. (BRBS) earns a Hold rating with a composite score of 45.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on BRBS stock.

Related Resources for BRBS Investors

Explore more research and tools: BRBS vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare BRBS head-to-head with peers: BRBS vs WTM, BRBS vs OPY, BRBS vs ACT.