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BRBS

BEARISH
$3.58 Live
Blue Ridge Bankshares, Inc. · AMEX
$3.25 52W Range $4.79
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026
Market cap
$321.47M
P/E
32.55
ROE
3.3%
Profit margin
11.2%
Debt/Equity
N/A
Dividend yield
68.18%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
BRBS exhibits significant financial fragility, evidenced by a mediocre Piotroski F-Score of 4/9 and a current price ($3.58) that significantly exceeds both its Graham Number ($3.02) and its Intrinsic Value ($0.77). The company is struggling with negative revenue growth (-2.80% YoY) and an alarmingly low ROE of 3.29%, indicating poor capital efficiency. Most critically, the reported dividend yield of 68.18% is mathematically unsustainable and represents a classic 'dividend trap' given the company's profitability profile. Technical trends are entirely bearish (0/100), and long-term price performance is dismal with a 5-year decline of nearly 70%.

Key Strengths

Trading slightly below book value (P/B 0.97)
Maintains a positive profit margin of 11.19%
Recent 1-year price recovery of 28.8%
Operating margin remains relatively healthy at 26.98%
Small market cap provides potential for acquisition target

Key Risks

Unsustainable dividend yield (68.18%) likely to be cut
Negative revenue growth both YoY (-2.80%) and Q/Q (-4.56%)
Very low ROE (3.29%) and ROA (0.41%) compared to banking benchmarks
Significant overvaluation relative to growth-based intrinsic value ($0.77)
Severe long-term value destruction (-69.6% over 5 years)
AI Fair Value Estimate
Based on comprehensive analysis
$1.89
-47.2% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
25
Weak
Value
35
Future
20
Past
15
Health
45
Dividend
10
AI Verdict
Avoid
Key drivers: Unsustainable dividend, Negative growth, Poor ROE, Price > Intrinsic Value
Confidence
90%
Value
35/100

Ref P/E, Graham Number $3.02, Intrinsic Value $0.77

Positives
  • P/B ratio under 1.0
Watchpoints
  • P/E of 32.55 is high for a regional bank
  • Price exceeds Graham Number
  • Price is 4.6x higher than intrinsic value
Future
20/100

Ref Revenue Growth -2.80% YoY

Positives
No standout positives identified.
Watchpoints
  • Declining revenue growth
  • Lack of earnings growth data
  • Bearish technical trend
Past
15/100

Ref Historical price performance

Positives
  • 1-year recovery
Watchpoints
  • 5-year change of -69.6%
  • 3-year change of -54.2%
Health
45/100

Ref Piotroski F-Score 4/9

Positives
  • Piotroski score in 'Stable' range
Watchpoints
  • Low ROA (0.41%)
  • Low ROE (3.29%)
Dividend
10/100

Ref Yield 68.18%

Positives
  • Extremely high nominal yield
Watchpoints
  • Yield is fundamentally unsustainable
  • High risk of dividend suspension

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$3.58

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for BRBS and closest competitors.

Updated 2026-04-24
BRB
Blue Ridge Bankshares, Inc.
Primary
5Y
-69.6%
3Y
-54.2%
1Y
+28.8%
6M
+1.3%
1M
+4.2%
1W
+0.3%
ARD
Ares Dynamic Credit Allocation Fund, Inc.
Peer
5Y
+50.0%
3Y
+48.4%
1Y
-2.1%
6M
-0.8%
1M
+2.4%
1W
+0.1%
FNL
The First Bancorp, Inc.
Peer
5Y
+33.1%
3Y
+35.2%
1Y
+28.8%
6M
+16.8%
1M
+3.2%
1W
-1.9%
BCM
BayCom Corp
Peer
5Y
+112.5%
3Y
+64.9%
1Y
+12.1%
6M
+8.0%
1M
-2.4%
1W
+0.8%
CZF
Citizens Financial Services, Inc.
Peer
5Y
+35.3%
3Y
-15.9%
1Y
+19.9%
6M
+19.6%
1M
+8.9%
1W
+8.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
32.55
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.97
P/S Ratio
3.36
EV/Revenue
3.8
EV/EBITDA
N/A
Market Cap
$321.47M

Profitability

Profit margins and return metrics

Profit Margin 11.19%
Operating Margin 26.98%
Gross Margin N/A
ROE 3.29%
ROA 0.41%

Growth

Revenue and earnings growth rates

Revenue Growth -2.8%
Earnings Growth N/A
Q/Q Revenue Growth -4.56%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$1.35

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
20.4%
Total Assets
$2.4B
Liabilities
$2.1B
Equity
$0.3B
Debt/Equity
6.52x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
-546%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-22
$N/A

Financial Services Sector Comparison

Comparing BRBS against 648 companies in the Financial Services sector (117 bullish, 268 neutral, 263 bearish)
P/E Ratio
32.55
This Stock
vs
38.87
Sector Avg
-16.3% (Discount)
Return on Equity (ROE)
3.29%
This Stock
vs
-1.01%
Sector Avg
-425.9% (Below Avg)
Profit Margin
11.19%
This Stock
vs
57.27%
Sector Avg
-80.5% (Weaker)
Revenue Growth
-2.8%
This Stock
vs
40.3%
Sector Avg
-106.9% (Slower)

Similar Companies

Peer comparison within the same industry

BRBS Blue Ridge...
BEARISH
Mkt Cap
$321M
P/E
32.5
ROE
3.3%
Price
$3.58
ARDC Ares Dynamic...
BEARISH
Mkt Cap
$322M
P/E
10.8
ROE
-%
Price
$13.5
 Compare with BRBS
FNLC The First Bancorp, Inc.
BULLISH
Mkt Cap
$323M
P/E
9.6
ROE
12.8%
Price
$28.69
 Compare with BRBS
BCML BayCom Corp
NEUTRAL
Mkt Cap
$319M
P/E
13.9
ROE
7.1%
Price
$29.18
 Compare with BRBS
CZFS Citizens...
NEUTRAL
Mkt Cap
$318M
P/E
8.7
ROE
11.5%
Price
$66.1
 Compare with BRBS

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

VALLACCHI GRACE
Officer
Stock Award
2026-03-20
120,000 shares
GOLLIDAY HARRY W
Chief Executive Officer
Stock Award
2026-03-20
80,000 shares
BROWN M DEAN
Chief Operating Officer
Stock Award
2026-03-20
200,000 shares
GAVANT JUDY CAROL
Chief Financial Officer
Stock Award
2026-03-20
160,000 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-23
8-K
8-K
2026-04-20

BRBS filed an 8-K on April 20, 2026, likely to announce its financial results for the preceding period.

8-K
8-K
2026-03-30
8-K
8-K
2026-03-24
10-K
10-K
2026-03-12

BRBS filed its annual 10-K report on March 12, 2026. Specific financial highlights and risk factors were not provided in the available metadata.

8-K
8-K
2026-03-12
8-K
8-K
2026-01-29

BRBS filed an 8-K on January 29, 2026, likely to announce its quarterly financial results.

8-K
8-K
2025-11-13

BRBS filed an 8-K on November 13, 2025, likely to announce its third-quarter financial results.

8-K
8-K
2025-11-05
10-Q
10-Q
2025-11-04

BRBS submitted its 10-Q filing on November 4, 2025. While the document includes a section for Risk Factors under Item 1A, the provided excerpt contains no specific financial highlights or detailed risk disclosures.

8-K
8-K
2025-10-27
8-K
8-K
2025-10-22
8-K
8-K
2025-08-25
10-Q
10-Q
2025-08-06
8-K
8-K
2025-07-23
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning BRBS from our newsroom.

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