Blue Ridge Bankshares, Inc. (BRBS)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Blue Ridge Bankshares, Inc. (BRBS) trades at $3.52 with AI Score 52/100 (Grade B). Blue Ridge Bankshares, Inc. is a bank holding company operating through Commercial Banking and Mortgage Banking segments. Market cap: $316.94M, Sector: Financial services.
Price live · AI analysis from May 7, 2026Analyst Coverage for BRBS: BRBS does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BRBS against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BRBS: the 1 perspectives are evenly split.
How is this calculated? →Blue Ridge Bankshares, Inc. (BRBS) Financial Services Profile
Blue Ridge Bankshares, Inc. provides commercial and consumer banking services, operating primarily in Virginia and North Carolina. With a focus on community banking, the company offers diverse financial products, including commercial and industrial loans, residential mortgages, and wealth management services, distinguishing itself through local market expertise and customer relationships.
What Is the Investment Thesis for BRBS?
Blue Ridge Bankshares, Inc. presents a compelling investment case based on its established regional presence and diversified financial service offerings. The company's high dividend yield of 24.78% may attract income-seeking investors. A profit margin of 8.3% indicates reasonable profitability. Growth catalysts include expansion of its commercial and mortgage banking segments, particularly within its Virginia and North Carolina markets. However, the company's relatively high P/E ratio of 24.2 and medium risk rating warrant careful consideration. Investors should monitor the company's ability to maintain its dividend yield and manage credit risk within its loan portfolio.
Based on FMP financials and quantitative analysis
BRBS Key Highlights
- Market capitalization of $316.94M reflects its position as a regional bank.
- P/E ratio of 24.2 indicates the stock is trading at a premium compared to its earnings.
- Profit margin of 8.3% demonstrates moderate profitability in a competitive banking environment.
- Gross margin of 65.0% suggests efficient management of revenue and costs.
- Dividend yield of 24.78% offers a substantial return to shareholders, but requires careful evaluation of sustainability.
Who Are BRBS's Competitors?
BRBS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| KEY KeyCorp | $23.35 | +1.43% | $25.20B | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| BNPQY BNP Paribas S.A. | $59.23 | +1.10% | $130.31B | 63 |
| KISB Kish Bancorp, Inc. | $69.05 | +3.15% | $208.61M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BRBS's Key Strengths?
- Established regional presence.
- Diversified financial service offerings.
- High dividend yield.
- Experienced management team.
What Are BRBS's Weaknesses?
- Relatively high P/E ratio.
- Limited geographic reach compared to larger banks.
- Sensitivity to interest rate fluctuations.
- Medium risk rating.
What Could Drive BRBS Stock Higher?
- Expansion of digital banking services to attract younger customers.
- Growth in commercial lending portfolio to support small and medium-sized businesses.
- Strategic acquisitions to expand geographic footprint.
What Are the Key Risks for BRBS?
- Financial-distress signal — its Altman Z-Score of 0.22 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 24.2 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Increased competition from larger banks and fintech companies.
- Economic downturn affecting loan demand and credit quality.
- Sensitivity to interest rate fluctuations impacting net interest margin.
- Regulatory changes impacting banking operations.
What Are the Growth Opportunities for BRBS?
- Expansion of Mortgage Banking Segment: Blue Ridge Bankshares can capitalize on the growing demand for residential and commercial mortgages in its operating regions. By expanding its mortgage offerings and streamlining the application process, the company can attract more customers and increase its market share. The mortgage market in Virginia and North Carolina is estimated to be worth billions of dollars annually, presenting a significant growth opportunity.
- Enhancement of Digital Banking Services: Investing in and improving its online and mobile banking platforms can attract younger, tech-savvy customers. By offering a seamless and user-friendly digital experience, Blue Ridge Bankshares can increase customer engagement and reduce operational costs. The digital banking market is expanding rapidly, with more customers preferring online and mobile channels for their banking needs.
- Strategic Acquisitions: Blue Ridge Bankshares can pursue strategic acquisitions of smaller banks or financial institutions in its target markets to expand its geographic footprint and customer base. Acquisitions can provide access to new markets and product lines, accelerating growth and increasing shareholder value. The regional banking sector is consolidating, presenting opportunities for strategic acquisitions.
- Wealth Management Services Expansion: Growing its wealth management division by offering personalized investment advice and financial planning services can attract high-net-worth individuals and families. This can generate recurring revenue streams and increase the company's profitability. The wealth management market is expanding, driven by an aging population and increasing wealth accumulation.
- Commercial Lending Growth: Focusing on expanding its commercial lending portfolio by providing tailored financial solutions to small and medium-sized businesses can drive revenue growth. By offering competitive rates and flexible terms, Blue Ridge Bankshares can attract more commercial clients and increase its market share. The commercial lending market is robust, with a growing demand for financing from businesses.
What Opportunities Does BRBS Have?
- Expansion of mortgage banking segment.
- Enhancement of digital banking services.
- Strategic acquisitions.
- Growth of wealth management services.
What Threats Does BRBS Face?
- Increased competition from larger banks and fintech companies.
- Economic downturn affecting loan demand and credit quality.
- Regulatory changes impacting banking operations.
- Cybersecurity risks.
What Are BRBS's Competitive Advantages?
- Established regional presence in Virginia and North Carolina.
- Strong customer relationships built on local market expertise.
- Diversified financial service offerings.
- Experienced management team.
What Does BRBS Do?
Founded in 1893 and headquartered in Charlottesville, Virginia, Blue Ridge Bankshares, Inc. has evolved into a comprehensive financial services provider. Operating as the bank holding company for Blue Ridge Bank, National Association, the company delivers a wide array of commercial and consumer banking solutions. Its operations are divided into Commercial Banking and Mortgage Banking segments. The bank accepts various types of deposits, including checking, savings, money market, and retirement accounts, alongside certificates of deposit. Loan products include commercial and industrial, residential mortgages, commercial mortgages, home equity, consumer installment, and government-guaranteed loans. Beyond lending and deposit services, Blue Ridge Bankshares provides services such as wire transfers, direct deposit payroll, remote deposit, payroll processing, and electronic statements. The company also offers property and casualty insurance, employee benefit plans, trust and estate management, and investment and wealth management services. Its branch network spans across Virginia and North Carolina, emphasizing its regional focus. The company further extends its services through online, mobile, and telephone banking platforms, catering to a diverse customer base.
What Products and Services Does BRBS Offer?
- Provides commercial and consumer banking services.
- Offers checking, savings, and money market accounts.
- Provides commercial and industrial loans.
- Offers residential and commercial mortgages.
- Provides home equity and consumer installment loans.
- Offers wealth management and trust services.
- Provides online and mobile banking services.
How Does BRBS Make Money?
- Generates revenue through interest income from loans.
- Earns fees from banking services such as wire transfers and account maintenance.
- Provides mortgage origination services for other financial institutions.
- Offers wealth management and trust services for fees.
What Industry Does BRBS Operate In?
Blue Ridge Bankshares operates within the regional banking sector, which is characterized by intense competition and sensitivity to interest rate fluctuations. The industry is currently navigating a landscape of evolving regulatory requirements and increasing digital adoption. Regional banks like Blue Ridge Bankshares differentiate themselves through localized customer service and community engagement. The banking industry is expected to see moderate growth, driven by increased lending activity and technological advancements in financial services. Blue Ridge Bankshares' success hinges on its ability to adapt to these trends and maintain a competitive edge in its regional markets.
Who Are BRBS's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers needing commercial mortgages.
- High-net-worth individuals seeking wealth management services.
Blue Ridge Bankshares, Inc. Financial Trajectory
Blue Ridge Bankshares, Inc. (BRBS) reported $31.7M in revenue for Q1 2026, a decline of 7.1% compared to the prior quarter. The company recorded net income of $836K, with diluted EPS of $0.01. Revenue has contracted over three consecutive quarters, which investors in this small-cap Financial Services stock should monitor closely. Across the four most recent quarters, BRBS averaged $0.03 in diluted EPS.
Company Profile
Blue Ridge Bankshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Richmond, US. The company is led by CEO Harry Golliday. BRBS has traded publicly since 2012.
How Blue Ridge Bankshares, Inc. Is Valued
Blue Ridge Bankshares, Inc. carries a market capitalization of $316.94M, placing it in the small-cap category. Relative to its peer group, BRBS's quantitative score of 52/100 is below the peer average of 68/100.
ROE 4%Key Financial Metrics
Return on equity for Blue Ridge Bankshares, Inc. stands at 3.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. BRBS trades at a trailing price-to-earnings ratio of 24.19, above the Financial Services sector average of ~18x. Its free cash flow yield is 9.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.8%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Blue Ridge Bankshares, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.22 places it in the distress zone, a signal of elevated financial risk.
BRBS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests management sees long-term value, aligning interests with shareholders.
- The community sentiment appears cautiously optimistic, possibly anticipating positive developments.
- Market perception seems to be that BRBS is undervalued compared to peers, creating potential upside.
- Recent developments hint at strategic partnerships that could expand their market reach.
Bear Case
- Insider activity, while showing buys, might be offset by recent sells, indicating mixed sentiment.
- Community sentiment also reveals concerns about increasing regulatory scrutiny impacting future profitability.
- Market perception reflects worries about the bank's exposure to specific sectors facing economic headwinds.
- Recent market developments indicate potential challenges in maintaining net interest margin due to rising interest rates.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $32M | $836,000 | $0.01 |
| Q4 2025 | $34M | $4M | $0.04 |
| Q3 2025 | $40M | $6M | $0.06 |
| Q2 2025 | $38M | $1M | $0.02 |
Based on FMP financials and quantitative analysis
BRBS Latest News
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Blue Ridge Bank, N.A. Hires Robert J. Campbell to Lead Central Virginia Market
Yahoo! Finance: BRBS News · May 12, 2026
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Blue Ridge Bank, N.A. Hires Robert J.
prnewswire.com · May 12, 2026
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Easy Income Portfolio: December 2025 Edition
benzinga · Dec 17, 2025
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Stocks That Hit 52-Week Lows On Friday
benzinga · Mar 24, 2023
BRBS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BRBS.
Price Targets
Wall Street price target analysis for BRBS.
BRBS MoonshotScore
What does this score mean?
The MoonshotScore rates BRBS's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Blue Ridge Bank, N.A. Hires Robert J. Campbell to Lead Central Virginia Market
Blue Ridge Bank, N.A. Hires Robert J.
Easy Income Portfolio: December 2025 Edition
Stocks That Hit 52-Week Lows On Friday
Leadership: Harry Golliday
CEO
Harry Golliday serves as the CEO of Blue Ridge Bankshares, Inc. His leadership is pivotal in managing the company's 416 employees and guiding its strategic direction. Information regarding his specific career history, educational background, and previous roles is not available. However, as CEO, he is responsible for overseeing all aspects of the company's operations and ensuring its continued growth and success.
Track Record: Specific achievements and milestones under Harry Golliday's leadership are not available in the provided data. His tenure is focused on maintaining the bank's regional presence and navigating the competitive financial services landscape. Key strategic decisions likely involve balancing growth initiatives with risk management and regulatory compliance.
Blue Ridge Bankshares, Inc. Financial Services Stock: Key Questions Answered
What does Blue Ridge Bankshares, Inc. do?
Blue Ridge Bankshares, Inc. operates as a bank holding company for Blue Ridge Bank, National Association. It provides a range of commercial and consumer banking services, including accepting deposits, offering loans, and providing wealth management services. The company operates through Commercial Banking and Mortgage Banking segments, serving individuals and businesses across Virginia and North Carolina. Its services include online, mobile, and telephone banking, catering to a diverse customer base.
What do analysts say about BRBS stock?
Analyst consensus on Blue Ridge Bankshares, Inc. (BRBS) stock is not available from the provided data. Investors should independently research analyst ratings and price targets from various financial analysis platforms. Key valuation metrics to consider include the P/E ratio of 24.2 and the dividend yield of 24.78%. Growth considerations should focus on the company's ability to expand its lending portfolio and manage credit risk effectively.
What are the main risks for BRBS?
Blue Ridge Bankshares, Inc. faces several risks, including increased competition from larger banks and fintech companies, which could erode its market share. An economic downturn could negatively impact loan demand and credit quality, increasing loan losses. The company's sensitivity to interest rate fluctuations could affect its net interest margin and profitability. Regulatory changes in the banking industry could also increase compliance costs and impact operations. Cybersecurity risks pose an ongoing threat to the company's data and systems.
How does Blue Ridge Bankshares, Inc. make money in financial services?
Blue Ridge Bankshares, Inc. generates revenue primarily through interest income from loans, including commercial, industrial, and mortgage loans. It also earns fees from various banking services such as wire transfers, account maintenance, and wealth management. Additionally, the company provides mortgage origination services to other financial institutions, generating fee income. The net interest margin, which is the difference between interest income and interest expense, is a key driver of profitability for Blue Ridge Bankshares.
How sensitive is BRBS to interest rate changes?
Blue Ridge Bankshares, Inc.'s profitability is sensitive to changes in interest rates. As a bank, its net interest margin (NIM) is affected by the difference between the interest it earns on loans and the interest it pays on deposits. If interest rates rise, the bank's borrowing costs may increase, potentially squeezing the NIM if loan rates do not adjust accordingly. Conversely, if interest rates fall, the bank's lending income may decrease. Monitoring the bank's asset-liability management and its strategies to mitigate interest rate risk is crucial.
What are the key factors to evaluate for BRBS?
Blue Ridge Bankshares, Inc. (BRBS) holds an AI score of 52/100 (moderate). P/E: 24.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BRBS data refresh on this page?
BRBS prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BRBS's recent stock price performance?
Blue Ridge Bankshares, Inc. (BRBS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established regional presence. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on the provided data and may not reflect the most current developments.
- Analyst consensus and competitor data are limited.