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Blue Ridge Bankshares, Inc.(BRBS)Earnings, Financials & Key Ratios
BRBS•AMEX•Banking & Credit
$3.46
31.5× P/E·Price updated Jul 7, 2026
AboutBlue 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. It operates through: Commercial Banking and Mortgage Banking segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, consumer installment, and guaranteed government loans; and mortgages loans on real estate. In addition, it provides wire, direct deposit payroll, remote deposit, payroll processing, electronic statement, and other services; and property and casualty insurance products to individuals and businesses, as well as online, mobile, and telephone banking services. Further, the company offers employee benefit plans and administration services; management services for personal and corporate trusts, including estate planning and settlement, and trust administration, investment and wealth management, and other insurance products; and wholesale and third-party residential mortgage origination services to other financial institutions and credit unions. It has branches in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Charlottesville, Virginia.Show more
- Net Interest Income$79M+0.3%
- Total Revenue$151M-13.4%
- Net Income$11M+169.6%
- Return on Equity3.29%+154.9%
- Net Interest Margin3.24%+12.8%
- Efficiency Ratio54.39%-16.9%
- ROA0.41%+178.8%
- Equity / Assets13.31%+11.1%
- Book Value per Share3.05-54.3%
BRBS Price & Volume
Blue Ridge Bankshares, Inc. (BRBS) stock price & volume — 10-year historical chart
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Regulatory Remediation Strains Blue Ridge Bankshares Performance
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Regulatory consent order constraints
Key Thesis Takeaways
- Blue Ridge Bankshares faces a challenging outlook as it navigates a restrictive OCC consent order that has necessitated a deliberate contraction of its asset base from $3.1 billion in 2023Q4 to $2.4 billion in 2026Q1.
- While capital ratios have improved to an equity-to-assets ratio of 0.11, the bank continues to struggle with persistent net interest margin compression at 0.7% and elevated operational expenses.
- Investors should monitor the bank's ability to restore sustainable profitability, as current earnings remain highly volatile and sensitive to ongoing remediation costs.
Verdict Logic
the bank's structural inability to expand its 0.7% net interest margin and the ongoing regulatory constraints suggest significant execution risk for shareholders.
BRBS Growth Metrics
Blue Ridge Bankshares, Inc. (BRBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years31.9%
5 Years6.43%
3 Years-3.91%
TTM-
Profit CAGR
10 Years15.88%
5 Years-9.56%
3 Years-14.83%
TTM192.67%
EPS CAGR
10 Years-18%
5 Years-44.4%
3 Years-57.86%
TTM126.02%
Return on Capital
10 Years1.69%
5 Years0.53%
3 Years-4.33%
Last Year0.53%
BRBS Recent Earnings
Blue Ridge Bankshares, Inc. (BRBS) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.02
—
Rev
$32M
—
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$0.04
—
Rev
$34M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.04
—
Rev
$34M
—
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.06
—
Rev
$36M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.02 | $32M |
| Q2 2026 | Mar 12, 2026 | $0.04 | $34M |
| Q1 2026 | Jan 29, 2026 | $0.04 | $34M |
| Q4 2025 | Oct 22, 2025 | $0.06 | $36M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Blue Ridge Bankshares, Inc. (BRBS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $3.46 | $311.09M | 31.45 | -13.39% | 7.11% | 3.29% | 6.15% | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $32.32 | $718.22M | 23.09 | 6.24% | 33.81% | 24.82% | — | |
| $36.20 | $230.54M | 14.54 | 7.88% | 20.41% | 9.76% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $46.14 | $6.36B | 14.11 | 12.33% | 36.72% | 9.27% | — |
Compare BRBS vs Peers
Blue Ridge Bankshares, Inc. (BRBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BRBS SEC Filings & Documents
Blue Ridge Bankshares, Inc. (BRBS) SEC filings — annual & quarterly reports (10-K, 10-Q)
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BRBS Frequently Asked Questions
Blue Ridge Bankshares, Inc. (BRBS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Blue Ridge Bankshares, Inc. growing?
Blue Ridge Bankshares, Inc. (BRBS) saw revenue decline by 13.4% over the past year.
Is BRBS profitable?
Yes, Blue Ridge Bankshares, Inc. (BRBS) is profitable, generating $12.0M in net income for fiscal year 2025 (7.1% net margin).
Dividend & Returns
Does BRBS pay dividends?
Yes, Blue Ridge Bankshares, Inc. (BRBS) pays a dividend with a yield of 6.15%. This makes it attractive for income-focused investors.
What is BRBS's return on equity?
Blue Ridge Bankshares, Inc. (BRBS) has a return on equity (ROE) of 3.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Blue Ridge Bankshares, Inc.'s net interest margin?
Blue Ridge Bankshares, Inc. (BRBS) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Blue Ridge Bankshares, Inc.'s efficiency ratio?
Blue Ridge Bankshares, Inc. (BRBS) has an efficiency ratio of 54.4%. This is excellent, indicating strong cost control.